Note: This page was updated in January 2019 and to include the latest information on FHA appraisal guidelines and requirements for 2019. If you use an FHA loan to buy a house, the property will have to be appraised and inspected by a HUD-approved home appraiser.

The structure of the home is a main focus of the FHA home inspection requirements. The inspector will look closely at the foundation as well as the interior/exterior walls, floors, and the roof. The things the inspector looks for include any type of holes or damage and water issues (mold or presence of water damage).

Federal Housing Administration Fha Loans Homes That Qualify For Fha Loan While FHA guidelines say that borrowers can qualify with a credit score as low as. Shop more than one lender because the FHA doesn’t set mortgage rates; lenders do. Explore first-time home buyer.