The following is a list of items that could cause a property to be non-compliant for an FHA or VA loan: 


Crawl Space 



  • Blocked or inadequate access 

  • Space inadequate for maintenance (recommended 18 inches) 

  • Support beams not intact 

  • Excessive dampness or ponding of water 

  • VA only: Debris in crawl space 


Slab

  • Significant cracks that could affect structural soundness 


Roof 

  • Missing tiles, shingles, flashing etc 

  • Holes 

  • Signs of leakage 

  • VA only:  Flat Roof requires roof inspection 


Furnace/Heating System 

  • Unit does not turn on 

  • Heat is not emitted 

  • Unusual noise 

  • Smoke or irregular smell 

  • Significant holes or deterioration on unit  


Central Air Conditioning 

  • Unit does not turn on 

  • Cool air is not emitted 

  • Unusual noise 

  • Smoke or irregular smell 

  • Significant holes or deterioration on unit


Electrical System 

  • Electrical switches don’t work 

  • Outlets don’t work 

  • Presence of smoke or sparks from outlet 

  • Exposed frayed or unconnected wiring 


Plumbing System 

  • Significant drop or limitation in water pressure 

  • No hot water 

  • Toilets don’t function or have been removed 

  • Toilet leaks 

  • Sinks/bathtub/shower leaks (very minor leaks may be acceptable) 

  • Sinks/bathtub/shower does not work or have been removed 

  • Swimming pools not operational, in bad repair or not maintained 

  • VA only: Minor plumbing leaks 


Paint 

  • Chipped or peeling paint on interior or exterior of home and/or structures and improvements if home built before 1978. 

  • Chipped or peeling paint on exterior surfaces if finish is unprotected (ie, bare wood) if home built after 1978. 


Other 

  • Missing or inoperable exterior doors 

  • Broken or missing stairs 

  • Absence of built-in appliances 

  • Absence of free-standing stove (Santa Ana HOC only) 

  • Broken window glass 

  • VA only: Cracked window glass 

  • VA only:  Handrails required on all stairs of 3 risers or more