{"id":2276,"date":"2015-09-18T12:02:23","date_gmt":"2015-09-18T12:02:23","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=2276"},"modified":"2020-07-13T22:34:21","modified_gmt":"2020-07-13T22:34:21","slug":"fha-heat-source-requirements","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/fha-heat-source-requirements\/","title":{"rendered":"Do Not Let FHA Heat Source Requirements Leave You Out in the Cold"},"content":{"rendered":"

Fairly often we receive questions about FHA heat source requirements.\u00a0 So recently\u00a0we received one of the more popular questions from a real estate agent<\/a>.\u00a0 “Does a wood burning stove meet the FHA heat source requirements?”\u00a0\u00a0Basically, can a buyer use an FHA loan to purchase a home where the sole source of heat is a wood burning stove?\u00a0 The Realtor<\/a> did her homework up-front for her seller by asking a great question.\u00a0 By asking the question early, it gives the seller the right expectations of an FHA buyer.\u00a0\u00a0So let’s explore the actual FHA\u00a0heat source rules.\u00a0 Keep in mind this applies to only certain areas of the country where the weather <\/a>requires such a rule.<\/p>\n

FHA Heat Source Requirements<\/h2>\n

HUD<\/a>\u00a0has a specific definition for an FHA heat source, yet it still creates confusion.\u00a0 FHA says…<\/p>\n

The appraiser must notify the mortgagee if the permanently installed heating system does not do the following<\/strong>.\u00a0 Automatically heat the living areas of the house to a minimum of 50 degrees Fahrenheit in all gross living areas.\u00a0 Nor automatically heat non-gross living areas containing builder or system components subject to failure or damage due to freezing.\u00a0 If it does not provide healthful and comfortable heat or is not safe to operate. Next if it doesn’t rely upon a fuel source that is readily obtainable within the subject’s geographical area.\u00a0 Finally does not have market acceptance within subject’s marketplace and operate without human intervention for extended periods of time<\/p><\/blockquote>\n

Does a Wood Burning Stove Meet HUD Heat Source Requirements?<\/h3>\n
\"FHA
FHA requirements for heat source in home<\/figcaption><\/figure>\n

We actually asked an FHA appraiser this question to verify our answer.\u00a0 The answer is “No” for two reasons.\u00a0\u00a0Heating guidelines\u00a0state two key phrases\u00a0“automatically heat” and “without human intervention”.\u00a0 A wood stove requires a person to load wood into it.\u00a0 So a wood stove fails both of these heat requirements.\u00a0\u00a0Additionally a portable kerosene heater does not meet several of the FHA requirements.<\/p>\n

How to Meet FHA Heat Source Requirements?<\/h2>\n

There are several ways to meet approval of FHA and the appraiser.\u00a0 One option is to install a central HVAC system which will heat the entire area house.\u00a0 But this option is expensive as it requires new duct work and a new system.\u00a0 An affordable idea is to install a permanently mounted space heater.\u00a0 If the space heater has a temperature control, connected to a gas tank outside the home, and heats all required areas, then this could be an affordable solution.\u00a0 These space heaters would allow the wood stove to stay as long as the other heater(s) meets the minimum requirement.\u00a0 Most gas companies offer installation of these gas heaters <\/a>at an affordable price.<\/p>\n

Central Air Conditioning<\/h2>\n

Central air conditioning is not required but, if installed, must be operational. If it is not operational, the appraiser must\u00a0indicate several areas.\u00a0\u00a0These areas include stating the\u00a0level of deferred maintenance, analyze and report the effect on marketability, and include the cost to cure.<\/p>\n

[av_button_big label=’Find Answers to Other FHA Questions Here’ description_pos=’below’ link=’manually,http:\/\/teammovemortgage.com\/category\/fha\/’ link_target=’_blank’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ custom_font=’#ffffff’ color=’theme-color’ custom_bg=’#444444′ color_hover=’theme-color-subtle’ custom_bg_hover=’#444444′]
\nLots of FHA guidelines changed effective 9\/14\/15
\n[\/av_button_big]<\/p>\n

Follow our writer, Russell Smith<\/span><\/a>, on ActiveRain<\/span><\/a>.\u00a0 ActiveRain is a site\u00a0that real estate professionals, buyers, and sellers may use to gain helpful knowledge.<\/p>\n

Team Move\u00a0lends in\u00a0areas such as Wilmington<\/a>, Leland, Hampstead, Jacksonville, Camp Lejeune, Whiteville, Shallotte, Southport, Elizabethtown, Lumberton, Fort Bragg, Pope Air Force Base, Fayetteville, Rockingham, Raleigh, Garner, Smithfield, Clayton, Goldsboro, Charlotte, Greensboro, Winston-Salem, Durham, Chapel Hill, Burgaw, Castle Hayne, Holden Beach, Supply, Ocean Isle Beach, Sunset Beach, Hubert, Tabor City, Carolina Beach, Kure Beach, Laurinburg, Topsail Beach, North Topsail Beach, Surf City, Sneads Ferry, Richlands, Wrightsville Beach, New Bern, Oak Island, Saint James, Wallace, Sanford, Pittsboro, Apex, Cary, Raleigh, Holly Springs, Fuquay Varina, Siler City, Southern Pines<\/a>, Aberdeen, Pinehurst, Whispering Pines, Vass, Spring Lake, Fayetteville, Lillington, Hope Mills, Dunn, Angier, Smithfield, as well as the rest of NC.\u00a0 North Myrtle Beach, Myrtle Beach, Conway, Loris, Little River, Longs, as well as the rest of South Carolina and Virginia.<\/em><\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Fairly often we receive questions about FHA heat source requirements.\u00a0 So recently\u00a0we received one of the more popular questions from a real estate agent.\u00a0 “Does a wood burning stove meet the FHA heat source requirements?”\u00a0\u00a0Basically, can a buyer use an FHA loan to purchase a home where the sole source of heat is a wood […]<\/p>\n","protected":false},"author":2,"featured_media":2330,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24,33,88,17,40],"tags":[471,25,472,26,473,27,28,29,30,31,9,474,98,475],"class_list":["post-2276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fha","category-frequently-asked-questions","category-general-info","category-products","category-tips","tag-appraiisal","tag-fha","tag-fha-appraisal","tag-fha-guidelines","tag-fha-heat-source-requirements","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-requirements","tag-fha-loans","tag-fha-purchase","tag-first-time-buyers","tag-heat-source","tag-nc-purchase-contract","tag-wood-burning-stove"],"acf":[],"yoast_head":"\nFHA Heat Source Requirements Could Leave You Out in the Cold<\/title>\n<meta name=\"description\" content=\"FHA heat source requirements leave many buyers, realtors, and even lenders confused. 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