I regularly receive questions regarding FHA appraisals and recently more clients have had questions regarding the rules for the heating and cooling system for an FHA, so I am going to take this opportunity to explain.
FHA Heating and Cooling requirements
When your home is inspected by the appraiser, they will inspect the heating and cooling system in your home. A cooling system is not required to meet FHA guidelines, the only guideline is that if there is one it must work. If it does not work the appraiser is required to note what condition it is in, what is wrong and how it may affect the marketability and value of the home. A heating system however is required per FHA guidelines and provide healthful and comfortable condition as well as meet the safety, soundness, and security rules for the property.
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