Will FHA loan fail due to missing shingles on roof?

Our bid was accepted on a HUD home, the appraiser was out last week, and we are awaiting his report. He noted shingles missing on the roof, but to me the roof does not look that terrible, no water hurt on the inside of the home. So will we not get the loan beacause of roof repairs? I know the seller won't fix the roof, we have the money to fix the roof, will HUD let us hire a contractor for the repairs? I am just wondering if we close the loan and then escrow money for the repairs, It took three weeks to get the appraisal, no one will give me an answer they say just wait, and see. I just wonder if repairs cited on the FHA appraisal report have to be fixed prior to close, are we allowed to fix them, or do we just get denied? Who gets the apprasers report, our realtor or banker? Then do we negotiate with HUD. I know the home appraises for what our offer is, it just needs minor repairs.


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2 Responses to “Will FHA loan fail due to missing shingles on roof?”

  1. Spock (rhp) says:

    "shingles missing" isn't specific enough to answer.

    If a few tabs are off the shingles, the roof probably isn't in danger other than from wearing out in a couple or three years. If pieces of the body of the shingles are missing, then roof work has to be done nearly immediately [the roofing paper underneath will dry out, crack, and start to leak].

    your realtor should be able to get a copy of the report even though it'll be sent to the bank — she or he wants this to close because they don't get paid until it does.

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