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Why FHA Appraisal Is Not Enough

Okay, so you're wondering why you paid for an FHA appraisal and home inspection report too.




You found your dream home. Your mortgage lender requires an appraisal. Your Realtor says every smart buyer uses a home inspection checklist. Why both?

FHA Loan Requirements

The truth is FHA does not guarantee the condition of your home. An FHA appraiser estimates the home's value to verify the sales price is reasonable for the neighborhood. The appraisal makes sure the house meets minimum FHA loan requirements.

Simply put, the FHA appraisal is for the mortgage lender.

Home Inspection Checklist

On the other hand, a home inspection report is 100% geared to a home buyer. Not only does it evaluate the general condition of a home, it points out what needs repairing or replacing, from toilet seal to roof.

So impress your Realtor and surprise your mortgage lender. Just happen to let them know you understand an appraisal is for the mortgage lender and the home inspection checklist is for you! And rest assured, both the FHA appraisal and the home inspection report are necessary for buying a house.

Streamlining FHA Mortgage Loans

There's so much more to discover about FHA mortgage loans. I've made it easy for you! Go next to FHA Streamline Refinance.

Ask Kate For Real Estate And Mortgage Answers

Ask Kate
What if you could ask a mortgage insider anything you wanted regarding the FHA loan program? Now you can. Ask Kate is specifically designed to answer your questions and create dialog regarding mortgage financing.

Here is my recommendation for this Reader on FHA appraisal requirements.

You'll also find a wealth of information at Kate's Best Mortgage Rate Blog packed with the latest additions to this website, interest rate updates and a fresh approach to homeownership.




Valuable Resource For My Home Buyers and Homeowners

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Finding The FHA And VA Help You Need

Today's FHA home loans are new and improved. Could low down payments be the solution for you?

FHA loan requirements, and there's plenty of them, weren't taught in school. But I can help with this. Here's how.

Join in with other Americans benefiting from FHA mortgage loans.

FHA Appraisal - Lenders require appraisals. Your Realtor says every smart buyer uses a home inspection. Why both?

Every time you call an FHA lender about a refinance, do you hear FHA Loan Limits are too low for your area?

What could be simpler than FHA Streamline Refinance?

FHA Refinance - Despite the myths, there are powerful benefits to refinancing with FHA mortgage loans.

Does our government owe you FHA refunds?

FHA Reverse Mortgage - Income and security for Seniors minus the payment.

Leaky roof, broken steps, peeling paint. FHA Rehab Loan to the rescue!

If you attempt an FHA Eligibility Calculator, without knowing the questions lenders will ask, you could miss out on a big opportunity.

Three powerful but simple tips to finding your best FHA Lenders.

VA Mortgage Loans - Zero down payment home loans for active military and veterans.

Ask Kate About FHA And VA - Ask a question to get an answer from Kate.

FHA/VA Q & A's - A complete collection of questions about FHA and VA, each with a individual answer from Kate.

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