FHA Home Loan Appraisals - Home Preparation

This section is not designed to give a home seller advice on "fooling" an FHA appraiser.  Rather, the following information is provided to point out common areas that FHA appraiser condition on an appraisal and the means to stay one step ahead of the process.  Most of these items should be repaired anyways.

An appraiser is required to inspect for chipping, peeling, or flaking paint on a home (see environmental issues).  If you notice any deficiencies, take the initiative to scrape, sand and apply two coats of paint on those areas that need attention.  This includes the inside of the house and most notably the inside of the window frames.

Check all electrical switches to make sure all lights come one.  If any have burned out light bulbs, replace the bulb with a working one.  If any switches don't work, replace them.  Check all electrical outlets to see if they work.  

Turn on your AC to see if it blows cold air.  Check to see if the heater blows hot air.  If not, an appraiser will probably condition for these items to be serviced.

In the bathroom, re-caulk the tubs and basins.  Repair any holes in the tile, tub or sinks.  Fix all leaks and clean any water stains from dripping faucets. 

Repair any holes, tears or rips in the flooring.  

Most importantly, make sure the house is neat and clean.  Vacuum the carpets, clean the kitchen, scrub the tub.  Be sure that the appraiser has clear access to the all areas of the house.  Remove the clutter and properly dispose of any hazards that may present a problem. 

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