What improvements are allowed by the FHA?
The FHA requires you to make your home more energy efficient, but optional repairs that you can finance into your loan include:
- Repair to the structure of the home. This includes framing, chimneys, foundations, siding, new additions to the home, roofing, basement finishing, and more.
- Repair or the new building of bathrooms.
- New windows and/or skylights.
- Remodeling kitchens and new appliances.
- All types of flooring repairs or new flooring.
- Any repairs that are needed for safety like mold removal or lead paint.
- Repair to internal systems of the home like electrical, plumbing, heating, air conditioning, and ventilation.
- Repair or replacement of wells and septic systems (note that these repairs must be done first).
- Remodeling including new light fixtures, bathroom fixtures (even whirlpool bathtubs), painting, and more.
- Outdoor improvements including decks, patios, covered porches, landscaping, walkways, driveways, fencing, and more.
- Any rehabilitation that is necessary due to accessibility reasons for disabled people.
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