The rules state that centralized systems are not required, but “if installed, must be operational. operate without human intervention for extended periods of time” have market acceptance within the subjects marketplace and rely upon a fuel source that is readily obtainable within the subjects geographic area provide healthful and comfortable heat or is not safe to operate automatically heat the living areas of the house to a minimum of 50 degrees Fahrenheit in all GLAs, as well as in non-GLAs containing building or system components subject to failure or damage due to freezing “The Appraiser must notify the Mortgagee of the deficiency of MPR or MPS if the permanently installed heating system does not: Rules for the FHA appraisal address this directly: There may be situations where the heating system installed is not quite up to the task of managing the entire residence. There are some specific instructions where aspects of the appraisal are concerned, including systems found in the home such as heating, cooling, and plumbing.įor example, where heating the home is concerned, FHA loan rules begin by stating, “The Appraiser must examine the heating system to determine if it is adequate for healthful and comfortable living conditions, regardless of design, fuel or heat source.” FHA Appraisal Guidelines: Heating and PlumbingįHA appraisal rules are found in HUD 4000.1, which is the rule book for all FHA single family mortgage loans, refinancing, and reverse mortgages.
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