Do you have to hook up to public water to refinance with FHA?
CLW asked:
We have well water and are refinancing our house with FHA. The appraiser said we may be required to hook up to public water. I need to know if it is required in a refinance. We do not currently have an FHA loan, we are refinancing with FHA. She didn’t know if it was required since it was a refinance and not a new purchase. Thanks.
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We have well water and are refinancing our house with FHA. The appraiser said we may be required to hook up to public water. I need to know if it is required in a refinance. We do not currently have an FHA loan, we are refinancing with FHA. She didn’t know if it was required since it was a refinance and not a new purchase. Thanks.
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The appraiser is not authorized to speak as to FHA underwriting guidelines b/c he is not a licensed inspector nor an FHA underwriter.
An FHA appraiser, appraises cosmetic condition and market value–period.
It is not required. However, homes with a well do require a well test to ensure that the well is safe and located the appropriate distance from a sewer source.
Local codes usually take care of the issue.
In some rural areas, most people have wells.