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Anyone Have FHA Loan Experience?

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Steel Valley Football

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Jan 31, 2011 11:02 PM
WebFire;660016 wrote:What are the requirements for egress from a bedroom?

All bedrooms must have adequate egress to the exterior in case of fire. Security bars are acceptable if they meet local fire codes. That's directly from the FHA handbook. Their example is that if an enclosed porch was added outside a bedroom then that may not qualify as a habitable bedroom according to HUD guidelines.
Jan 31, 2011 11:02pm
THE4RINGZ's avatar

THE4RINGZ

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Jan 31, 2011 11:10 PM
WebFire;660016 wrote:What are the requirements for egress from a bedroom?
5.7 square feet of clear opening in at least one window in a bedroom.
Jan 31, 2011 11:10pm
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WebFire

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Jan 31, 2011 11:13 PM
THE4RINGZ;660066 wrote:5.7 square feet of clear opening in at least one window in a bedroom.

Thank you, that helps greatly. Ours will be close. We have a bank of 4 smaller windows in 2 of the bedrooms.
Jan 31, 2011 11:13pm
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ZWICK 4 PREZ

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Jan 31, 2011 11:14 PM
I think I get to decide how many bedrooms there are, don't you? This bedroom has an oven in it. This bedroom's got a lot of people sitting around watching TV.
Jan 31, 2011 11:14pm
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THE4RINGZ

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Jan 31, 2011 11:15 PM
A bedroom is typically defined as a room with a door, a window, and a closet.
Jan 31, 2011 11:15pm
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WebFire

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Jan 31, 2011 11:35 PM
Shit. My windows aren't 5.7. This can't be serious. Ugh.
Jan 31, 2011 11:35pm
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Steel Valley Football

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Jan 31, 2011 11:38 PM
That 5.7 sf for windows isn't an FHA requirement, at least not in my handbook. Rings can you provide a HUD link saying it's an FHA requirement?
Jan 31, 2011 11:38pm
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Steel Valley Football

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Jan 31, 2011 11:39 PM
THE4RINGZ;660073 wrote:A bedroom is typically defined as a room with a door, a window, and a closet.


FHA dropped the closet requirement. In 2006 I believe.
Jan 31, 2011 11:39pm
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THE4RINGZ

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Jan 31, 2011 11:41 PM
Steel Valley Football;660102 wrote:That 5.7 sf for windows isn't an FHA requirement, at least not in my handbook. Rings can you provide a HUD link saying
it's an FHA requirement?
National Building Code for an egress window. No idea how to post a link.
Jan 31, 2011 11:41pm
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WebFire

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Jan 31, 2011 11:41 PM
Steel Valley Football;660102 wrote:That 5.7 sf for windows isn't an FHA requirement, at least not in my handbook. Rings can you provide a HUD link saying it's an FHA requirement?

I was wondering. 5.7 is the requirement of new construction code, but I cannot find any mention for FHA. I have the Comprehensive Valuation Package sheet from the department of housing and it doesn't even mention egress.
Jan 31, 2011 11:41pm
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Steel Valley Football

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Feb 1, 2011 12:10 AM
THE4RINGZ;660108 wrote:National Building Code for an egress window. No idea how to post a link.


It's actually international building code (IRC), but that's different than what FHA requires for existing structures.
Feb 1, 2011 12:10am
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Steel Valley Football

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Feb 1, 2011 12:10 AM
WebFire;660109 wrote:I was wondering. 5.7 is the requirement of new construction code, but I cannot find any mention for FHA. I have the Comprehensive Valuation Package sheet from the department of housing and it doesn't even mention egress.

The only thing I have on egress from HUD is what I posted above.
Feb 1, 2011 12:10am
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Steel Valley Football

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Feb 1, 2011 12:12 AM
ZWICK 4 PREZ;660072 wrote:I think I get to decide how many bedrooms there are, don't you? This bedroom has an oven in it. This bedroom's got a lot of people sitting around watching TV.

Just because you can pass out and sleep there doesn't make it a bedroom. :D
Feb 1, 2011 12:12am
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WebFire

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Feb 1, 2011 4:54 AM
Steel Valley Football;660143 wrote:Just because you can pass out and sleep there doesn't make it a bedroom. :D

I think he was trying to go the opposite way on that.
Feb 1, 2011 4:54am
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ernest_t_bass

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Feb 1, 2011 7:57 AM
Steel Valley Football;659964 wrote:His reply was about what I expected, though this is strictly by rule. If your appraiser is lazy, it may be different. That happens a lot.

- Chipping paint on the exterior needs corrected (including foundation block if painted).

SVF - I really appreciate you going out of your way to do this. Would you mind asking one more question? With the chipping exterior paint... with current weather conditions, the particular area that needs to be painted is in a very peculiar area. I would have to get on a roof to get to it. Do FHA appraisers ever overlook something b/c of the impossibilities of fixing something, given current weather conditions? Not to mention that exterior paint would not stick in temperatures like this.
Feb 1, 2011 7:57am
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ernest_t_bass

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Feb 1, 2011 7:57 AM
ZWICK 4 PREZ;660072 wrote:I think I get to decide how many bedrooms there are, don't you? This bedroom has an oven in it. This bedroom's got a lot of people sitting around watching TV.

Mitch Hedberg!?
Feb 1, 2011 7:57am
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Steel Valley Football

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Feb 1, 2011 8:17 AM
ernest_t_bass;660284 wrote:SVF - I really appreciate you going out of your way to do this. Would you mind asking one more question? With the chipping exterior paint... with current weather conditions, the particular area that needs to be painted is in a very peculiar area. I would have to get on a roof to get to it. Do FHA appraisers ever overlook something b/c of the impossibilities of fixing something, given current weather conditions? Not to mention that exterior paint would not stick in temperatures like this.
I'd rather not go back to him on that, but yes in the winter appraisers are "allowed" to overlook a whole slew of things. If we can't see the roof because of snow we just put a disclaimer in the report. I wouldn't worry about that item so much.
Feb 1, 2011 8:17am
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ZWICK 4 PREZ

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Feb 1, 2011 9:55 AM
ernest_t_bass;660286 wrote:Mitch Hedberg!?

fa sho
Feb 1, 2011 9:55am
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WebFire

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Feb 1, 2011 10:38 AM
ernest_t_bass;660284 wrote:SVF - I really appreciate you going out of your way to do this. Would you mind asking one more question? With the chipping exterior paint... with current weather conditions, the particular area that needs to be painted is in a very peculiar area. I would have to get on a roof to get to it. Do FHA appraisers ever overlook something b/c of the impossibilities of fixing something, given current weather conditions? Not to mention that exterior paint would not stick in temperatures like this.

I don't know if this his lender specific or not, but it was explained to me that if you can't do the repairs because of weather, you have to get an estimate and they hold 1.5 times the amount in escrow until you fix it.
Feb 1, 2011 10:38am
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ernest_t_bass

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Feb 1, 2011 10:53 AM
WebFire;660450 wrote:I don't know if this his lender specific or not, but it was explained to me that if you can't do the repairs because of weather, you have to get an estimate and they hold 1.5 times the amount in escrow until you fix it.

Good deal. I already have the estimate! :)
Feb 1, 2011 10:53am
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ernest_t_bass

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Feb 4, 2011 1:29 PM
PISSED off right now. Apparently the appraiser wants to come next Monday, and my peculiar spot that needs painted (that is in a VERY tricky spot, on a roof) NEEDS to be painted. WHY ARE PEOPLE SO F'ING STUPID!? In NO WAY is it safe for me to be up there to paint it. How is that allowed?
Feb 4, 2011 1:29pm
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ZWICK 4 PREZ

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Feb 4, 2011 1:42 PM
ernest_t_bass;664780 wrote:PISSED off right now. Apparently the appraiser wants to come next Monday, and my peculiar spot that needs painted (that is in a VERY tricky spot, on a roof) NEEDS to be painted. WHY ARE PEOPLE SO F'ING STUPID!? In NO WAY is it safe for me to be up there to paint it. How is that allowed?

Feb 4, 2011 1:42pm
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ernest_t_bass

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Feb 4, 2011 1:48 PM
^^^^
Practical and feasible all-in-the-same.
Feb 4, 2011 1:48pm
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ZWICK 4 PREZ

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Feb 4, 2011 1:49 PM
Fall protection harness tied off around the chimney. You're good to go.
Feb 4, 2011 1:49pm
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WebFire

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Feb 4, 2011 3:49 PM
ernest_t_bass;664780 wrote:PISSED off right now. Apparently the appraiser wants to come next Monday, and my peculiar spot that needs painted (that is in a VERY tricky spot, on a roof) NEEDS to be painted. WHY ARE PEOPLE SO F'ING STUPID!? In NO WAY is it safe for me to be up there to paint it. How is that allowed?

So he's been there once and told you to paint? Or first visit is Monday?
Feb 4, 2011 3:49pm