The Home Buyer's Korner

Information presented should be used for educational purposes only.

June 15th, 2015

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GREATER WAIANAE/MAKAHA HAWAII

The Home Buyer’s Korner

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FHA Rules on Well & Septic Systems

Septic SystemFHA requires a home to meet minimum property standards, so if you’re shopping for a home that can’t meet these standards financing with FHA will not be available and neither will USDA Rural Development or VA home loans. However, if a home can be modified, repaired or improved to meet their standards, the property becomes eligible for financing.

Some homes for example have features that can’t be improved. One such case would be a homes situated in an area where well water is the only source available. If the well doesn’t meet health and safety standards, the home will be considered inappropriate for an FHA mortgage. This can be easily determined by getting a bacteriological test on the well certifying the well water is drinkable and at least 50ft from any septic system.

One issue to be aware of is that if publicly owned sewer system is available, hook up is required. The cost for hookup can be expensive, so have your real estate agent check on public availability if any questions exist.

FHA state that the lender is responsible for making sure a home meet all local requirements and that any community sewage systems are property licensed and “adequate to service the property. The FHA does not maintain a specific list of “approved” septic systems.

Many homes are not connected to a public sewer system. This does not automatically render the home ineligible FHA or other financing, but the rules are clear. The system must be approved locally. For properties that cannot connect to a public system and are served by an individual sewage system, financing is acceptable if the system meets the standards of thee local health authority.

FHA further states a variety of septic systems qualify under this rule being cesspools, mound systems and individual pit privies and you’ll need only to get an inspection to insure the system is in working order and meets any local code, if applicable.

Sewer systems are not identical, but as long as the system is functioning properly and meets local codes, FHA does not disqualify the home simply because a sewage or septic system isn’t the same as a typical suburban system in a metropolitan area.

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HAWAII HOME OWNERSHIP TOOLS

Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will

have the option to “Create A Printable PDF of the Presentation”.

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