We are approved to perform appraisals for FHA mortgage
transactions. If you are utilizing the FHA
loan program and would like a quote please call us at (401)
The FHA program is
administered by the department of Housing and Urban
development (HUD). Their website is located here:
The FHA loan program has
some additional inspection items for the appraiser than many
lenders. This does not mean that your FHA appraisal has to
cost significantly more. ChiefAppraiser.com has competitive
The purpose of a repair is
to correct deficiencies which may effect the safely or
health of the occupants and the continued marketability of
the property. If possible, we suggest that you make any
repairs to your home prior to the appraisal. This will
improve the marketability and help the sale or refinance of
your home go smoothly.
the home was built prior to 1978, chipping, peeling paint
must be scraped and painted. This includes interior,
exterior, garages, sheds, fences, etc.
should have 2-3 years of useful life remaining and no more
than 2 layers of shingles. If it is covered in snow, you
must remove snow from a large portion of the roof for
inspection by the appraiser.
Broken windows should be replaced.
cause of wet basements should be cured (i.e., improve
drainage away from house, gutters, etc.).
Electric service must be 60 amp or greater. Electric
certification may be required if 60 amp appears to be
overloaded (i.e., larger than 1000 sq. feet with more than
2 major appliances).
Abandon inoperable wells must be capped and sealed by a
licensed well sealing contractor with certification.
Safety handrails should be installed in open stairwells of
three or more stairs, both inside and outside.
Infestation of any kind should be exterminated (i.e.,
insects, mice, bats, etc.).
Damaged or inoperable plumbing, electric and heating
systems should be repaired. The appraiser checks these
Structural or foundation problems must be repaired.
Flammable storage tanks must be removed and filler cap
sealed from the inside (i.e., buried oil tank).
there is a crawl space, it will be the home owner's
responsibility to make this area accessible so that it can
be thoroughly inspected.
space should be made accessible so the appraiser can
Keep in mind that these are
the most common repairs. Contact your mortgage broker
or lender with any specific questions regarding your
It is very important to note that the appraiser does not
perform a home inspection and is noting general condition,
amenities, and specific items required by the FHA program.
It is not a replacement for a home inspection.
If you are
purchasing a home see the HUD guide "For Your Protection-
Get a Home Inspection":
Areas we service for FHA
Rhode Island - All Counties
Massachusetts - Bristol County Only....