All Forum Posts by: Hae-Yuan Chang

Hi there!

My mother is going to be a coborrower on my loan. We will be using all her income/assets. We almost didn't get approved because of the debt/income ratio. My mom pays rent in the house that she lives in.

We got preapproved, but I'm worried that the underwriter is going to want proof of rent. Three tenants are on the lease for her house, but she pays 1200 dollars in a check every month to landlord and her sister pays 700 in a check back to her. She will only get approved if we can prove that she can pay $500 in rent or less. Will they be hard on us that we have a backwards way of paying rent? Thanks for any insight!

Hello! 

I am currently trying to buy a property with an FHA loan. We were wondering if there were a need for any repairs, do they need to come back out? Would this be an additional charge? Or do some allow photo evidence and take your word for it? For instance, we have an aquaponics with manmade ponds spanning 4x8 feet. It's a project that we took on to grow our own food. I guess it's unconventional, but we don't know if this sort of thing, since we do many garden projects, will affect our appraisal and inspection.

Appreciate any insight!

@Chris Mason

That's a great suggestion, thanks so much Chris!

@Chris Mason

Hey Chris! The shower drains through a thick layer of shells, that goes down the slope towards our garden (away from our house). However, it is right up against the corner of the house.

@Greg Nolan

There will be cookie baking and jokes to be passed around :).

@Greg Nolan

That's great, Greg!

From your personal experience, do you think tables and an outdoor shower up against the outer wall of the home be a problem? We just don't want to put in tons of work thinking that they were nitpicky, only to see that they cared bout primarily big safety issues. 

@Wayne Brooks

Thanks Wayne! In your experience, would things like tables and outdoor showers against the outer wall be a problem? Or is it an inspection primarily on safety? Thanks!

Hello!

I am trying to get this property ready for an FHA inspection.

It seems like it's geared toward safety issues. I have a shed that is a foot too close to the property. Will that be a huge problem? Do they look for coding issues or are nitpicky about these sort of things?

Thanks for any insight!

I haven't found a clear cut answer, so I wanted to ask this awesome community!

I know that a FHA appraiser will also be inspecting for safety issues. But will I need to get an inspector to pass a loan? I know that I will need to get a inspector for my own knowledge, but will I need to get an inspection to get a loan?

Thank you! Any insight on this and what to expect from an FHA appraisal safety inspection would be great.

It is a roommate situation living, one unit. I will ask that, thank you!