Must be stable and free of significant cracks, shifting, or water intrusion .

Any staircase with three or more steps must have a secure handrail . 2. Health & Environmental Hazards FHA Home Inspection Checklist: What Appraisers Look For fha loan inspection

Must be free of leaks and have at least two years of remaining useful life . It cannot have more than three layers of shingles . Must be stable and free of significant cracks,

The appraiser evaluates the property based on "The Three S’s": (protecting occupants), Security (protecting the FHA's investment), and Soundness (structural integrity) . 1. Structural & Exterior Standards Security (protecting the FHA's investment)

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