Fha Max Roof Layers

If more than 2 layers exist and repair is necessary then all old roofing must be removed as part of the re roofing.

Fha max roof layers.

Asphalt shingles typically can have one more layer added over the top two roofs total. If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof. Can i get an fha loan on a house if it has 2 layers of shingles and the 2nd layer is less than 20. A federal housing administration loan or fha loan has very similar requirements to the va loan.

We get many questions about the fha home loan appraisal process including specific questions about certain conditions that may or may not affect the sale of a given home. Fha loan appraisal questions. Steep sloped roof products such as tile slate metal and shakes only allow one layer. Water heaters the water heater must meet local building.

For many years it was acceptable to put even the third layer. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. Hud requires that the roof have at least 2 years remaining life the condition must clearly state whether the roof is to be repaired or re roofed. If it has that many layers certification is likely out of reach unless the whole roof is replaced.

But that s not all the fha also requires a minimum amount of durability. As with the va loan an fha loan requires that the roof on a home not be leaking. Fha will accept a maximum of 3 layers of existing roofing. Also with multiple layers of roofing the nails or.

This of course is a judgment call that the appraiser is required to make. Here s one of the most recent. Fha will accept a maximum of 3 layers of existing roofing. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair.

If more than 2 layers of existing roofing and repair is necessary then all old roofing must be removed as part of the re roofing. The appraiser must clearly state whether the subject is to be repaired or re roofed. One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced.