Which appraisal repairs FHA requires for safety and livability versus optional upgrades. The 2 Mortgage Guys at Luminate Bank in Kokomo, nationwide.
Home
FHA Loans
Required Repairs
FHA does not finance homes that fail Minimum Property Requirements — the appraisal checks safety, soundness, and security, not just value. When issues show up, they must be corrected before closing or handled through an approved repair plan. Ryan and Steve coordinate with your agent and appraiser so repair conditions do not surprise you at the finish line.
The appraiser verifies the home is livable and structurally sound — not move-in ready with a fresh coat of paint everywhere.
These show up most often on FHA appraisal reports in Indiana and across the Midwest.
Most FHA repair items must be completed before funding — but there are exceptions worth planning for early.
Repair flags are common — a clear plan keeps your closing date intact.
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Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will walk through the appraisal report with you and your agent — so required repairs are scoped, priced, and cleared before closing day.