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