{"id":762,"date":"2015-04-11T12:31:12","date_gmt":"2015-04-11T12:31:12","guid":{"rendered":"http:\/\/teammovemortgage.com\/2015\/04\/11\/is-a-swimming-pool-going-to-swan-dive-your-fha-loan\/"},"modified":"2020-07-13T22:35:05","modified_gmt":"2020-07-13T22:35:05","slug":"swimming-pool-guidelines-requirements-for-purchases-using-fha-home-loans","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/swimming-pool-guidelines-requirements-for-purchases-using-fha-home-loans\/","title":{"rendered":"Is a Swimming Pool Going to Swan Dive Your FHA Loan?"},"content":{"rendered":"<h3><strong>Swimming pools:\u00a0 You either love them or you hate them and usually there is no in between<\/strong>.\u00a0 One family dreams of sun filled days splashing around in the pool where another sees daily chores of cleaning, making sure the Ph is at the correct level, or covering the pool for the winter.<\/h3>\n<p>So if\u00a0a home you are considering to purchase includes a swimming pooland you plan to finance with the <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/fha\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a><\/span> home loan program, below are\u00a0some\u00a0items toconsider.\u00a0 <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/fha\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a><\/span> appraisers are required to confirm that all systems, electrical, plumbing, etc. are in functioning order before your loan will be allowed to close.<\/p>\n<h3><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"\/data\/uploads\/large\/ugly pool small pic.jpg\" alt=\"Swimming pools &amp; FHA mortgage requirements\" width=\"900\" height=\"605\" \/><\/strong><\/h3>\n<h3><strong>Is a swimming pool considered in the appraised value? <\/strong><\/h3>\n<p>If the swimming pool is in working order, in order to count value in an appraisal, there must be comparable sales that have a pool as well.\u00a0 Without proof that there is a market for homes with swimming pools, no value or at least very little value can be given to a swimming pool.\u00a0 No comparable sales with a pool means that it is too unique and lenders shy away from unique.\u00a0 In addition, if a pool is not in working order, it cannot be considered and included in appraised value.\u00a0 It is also important to make sure the pool meets <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a> health regulations and standards as well as all, local city and\/or county ordinances.<\/p>\n<h3><strong>Is perimeter fencing required?<\/strong><\/h3>\n<p>It is important to comply and obey all local ordinances, such as fencing, covers, etc. associated with swimming pools, even if empty and non-functioning.\u00a0 Also, an important note is that the cover must be sturdy enough to hold sufficient weigh and prevent a person from falling in the pool.\u00a0 Even if a buyer is paying cash for a home, there are insurance requirements for this area and even the liability of someone wandering into your pool and getting hurt or drowned.<\/p>\n<h3><strong>What about pools that have not been properly maintained?<\/strong><\/h3>\n<p>The appraiser must be able to view the bottom of the pool.\u00a0 If the equipment is operational but has been off for a period of time, it must be restarted.\u00a0 The pool must be properly cleaned, so it will pass re-inspection before loan closing.<\/p>\n<h3><strong>Are empty pools required to be filled in to avoid health and safety problems?<\/strong><\/h3>\n<p>For many years it was required that empty pools be filled in with dirt but recently <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a> announced some additional guidance to appraisers and underwriters.\u00a0 If the pool is deemed tohave unstable sides, then it\u00e2s required that it be repaired or filled in.\u00a0 If the sides are stable, a sturdy cover can be used but must support the weight of a person to avoid a person falling in.<\/p>\n<h3><strong>What about Above-Ground Pools?<\/strong><\/h3>\n<p>Above ground pools are not affixed directly to the property or land and arenot part of the sales contract.\u00a0 For this reason, <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/fha\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a><\/span> excludes the above ground pool from the appraisal inspection.\u00a0 Therefore, above ground pools neither adds nor subtracts value from the home appraisal.<\/p>\n<p>Read the\u00a0<strong><em>ACTUAL<\/em><\/strong> FHA guideline that refers to pools:\u00a0<span style=\"text-decoration: underline;\"><a href=\"http:\/\/portal.hud.gov\/hudportal\/documents\/huddoc?id=aprval.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"> Inspections &amp; Certifications: How should an empty or non-functioning in-ground swimming pool be treated? Does a swimming pool require perimeter fencing?<\/a><\/span> <span style=\"color: #ff0000;\">Go to page 14 of this FHA\u00a0FAQ link<\/span><\/p>\n<p><a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a><span style=\"text-decoration: underline;\"> has these guideline requirements in place to protect the home buyer and their family.\u00a0 Many times people believe these rules are\u00a0excessive but are necessary for the protection of the borrowers and all parties involved in the home purchase.<\/span><\/p>\n<p><a href=\"https:\/\/teammovemortgage.com\/blog\/2015\/05\/12\/usda-home-loan-updated-guidelines-for-properties-with-swimming-pools\/\">Learn about pools and USDA requirements here<\/a>.<\/p>\n<p>If you have questions about qualifying for an <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/fha\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a><\/span> loan and\/or purchasing a home with a pool, contact us at Team Move today!<\/p>\n<p>Need a pool inspection or pool repair?\u00a0 A great company within a 1 hour distance from Fayetteville \/ Lumberton, NC area is Parnell Pool &amp; Spa.\u00a0 They have top of the line pools as well as technicians and equipment to maintain and repair the pool system.\u00a0 <span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.parnellpoolandspa.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn more about Parnell Pool &amp; Spas here<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Swimming pools:\u00a0 You either love them or you hate them and usually there is no in between.\u00a0 One family dreams of sun filled days splashing around in the pool where another sees daily chores of cleaning, making sure the Ph is at the correct level, or covering the pool for the winter. So if\u00a0a home [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":763,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,17,40],"tags":[25,26,27,29,30,31,282,283,284],"class_list":["post-762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-products","category-tips","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-requirements","tag-fha-loans","tag-fha-purchase","tag-pool","tag-swimming-pool-requirements","tag-swimming-pools"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is a Swimming Pool Going to Swan Dive Your FHA Loan? - Team Move Mortgage Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/swimming-pool-guidelines-requirements-for-purchases-using-fha-home-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is a Swimming Pool Going to Swan Dive Your FHA Loan? - Team Move Mortgage Blog\" \/>\n<meta property=\"og:description\" content=\"Swimming pools:\u00a0 You either love them or you hate them and usually there is no in between.\u00a0 One family dreams of sun filled days splashing around in the pool where another sees daily chores of cleaning, making sure the Ph is at the correct level, or covering the pool for the winter. 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