FHA Home Loan Appraisals - Personal Property

Items such as ranges, refrigerators, dishwashers, washers/dryers and microwaves may be considered as part of the real estate and included as part of the sale.  No other appliances or chattel should be considered part of the real estate.  

A dollar for dollar reduction to the mortgage amount for items not considered part of the real estate is required unless the item has no monetary value and left to the buyer's discretion to dispose of the property.