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With so many first-time buyers in the market now, FHA has become the loan of choice. With FHA loans come stricter appraisal requirements than with conventional loans. FHA appraisal guidelines look for items that are considered unsafe, a health hazard, or in nonworking order. Sometimes the roof can be a tricky area. I was out on inspection this week when the property inspector noted problems with the roof. Yes there was only one layer of shingles, but the roof though fairly new, had experienced some hail damage. The inspector suggested we contact a roofer for his professional opinion. The roofing consultant said yes the roof was totalled, the seller did not agree. Now we are calling in the insurance adjuster for a second opinion. If a new roof is needed and the seller doesn't agree, my buyer will be looking for another property and Mr. Seller will not be able to sell his property to a FHA buyer.

If you are looking to purchase and you need a buyer's agent, please contact me. I will be happy to assist you with your home purchase from offer to inspection, to closing...Shawna