FHA loan inspection question

**derekdishon** · 01-31-2008, 09:56 AM

The house I am looking to buy has 1.0 mg of lead paint on three of the window trims. Thats it, none on the walls or ceilings. Everything else looks to be in good shape also. It just needs minor work, like paint touch ups, carpet mainly. The electrical, and plumbing look to be in great shape. I was told it might not pass the FHA inspection because of the lead paint. But there is only three window trims that we are planning on having replaced anyways. Do you think that it would have a problem passing inspection? Thank you for you help!

**Sean McAlister** · 02-01-2008, 05:32 AM

Sand down those area's lightly and re-paint them with latex paint.

Easy fix.

PM me if you need any more assistance

**Trotta Appraisal** · 02-02-2008, 12:25 PM

If the paint is chipping, that is an issue that must be reported by the FHA appraiser (if they're doing their job right). This will call for a proper scrape and paint of the surfaces. Not a light sand, scrape away all chipping areas, and 2-3 layers of paint.
you can go HUD website and search FHA guidelines.
the appraiser will check (visually observe) the basic safety and health issues:
electrical
plumbing/adequate water pressure
chipping paint (on houses built prior to 1978)
exterior safety/health concerns
etc

**Sean McAlister** · 02-03-2008, 05:09 AM

Originally Posted by Trotta Appraisal

If the paint is chipping, that is an issue that must be reported by the FHA appraiser (if they're doing their job right). This will call for a proper scrape and paint of the surfaces. Not a light sand, scrape away all chipping areas, and 2-3 layers of paint.
you can go HUD website and search FHA guidelines.
the appraiser will check (visually observe) the basic safety and health issues:
electrical
plumbing/adequate water pressure
chipping paint (on houses built prior to 1978)
exterior safety/health concerns
etc

You are correct if the paint is "chipping". There is NO need to scrape off the paint if it is not chipping. If the surface is clean and smooth, you can "lightly" sand the area and re-paint it with latex
Sean

**Trotta Appraisal** · 02-03-2008, 07:12 AM

Yes, Sean you are correct if it is not chipping you do not need to scrape and paint. If it is not chipping, than you don't need to do anything. A light sand and latex paint will not cure the lead paint issue anyways. But as far as the appraisal goes (that's all I claim to know), it will get flagged for chipping paint on a house built prior to 1978. But from your explanation it sounds like it is not chipping and therefore should pass FHA minimal standards.
Good Luck,
Shane

**Mike Taylor** · 02-04-2008, 05:42 AM

It doesn't sound like you in that bad of shape at all. I would just make sure that you disclose you knowledge of the lead paint weather you repaint or not.

**carlam** · 02-13-2008, 02:46 AM

If you are concerned with it, it must be taken care of. Why raise any issue with inspection if it can be taken care of by painting it. If you are the buyer, write a letter with this issue stated and have the seller take care of it, they want to sell their house.

And yes, you need to sign the Lead Base Paint disclosure, have you?

**mWoods** · 12-10-2009, 10:42 AM

As a buyer, of course you are concerned about it passing inspection. If nothing is chipping leave it alone. If the seller must sand it in order to get a new coat of latex to stick, request that they seal off that area and wear the proper respiratory protection. The last thing you want is for the dust of lead based paint circulating about the home. It is also a good idea to cover any vents during this process and turn off the HVAC.