So, you are getting an FHA loan. Do you still need a home inspection? There is a lot of confusion on that subject. Your Mortgage lender will require an appraisal no matter what type of loan you are getting.

An appraisal is different from an inspection but does have an inspection component. An appraisal is done to ensure to the lender that the property has a market value equal to or more than the amount of the loan. The appraiser has to consider the general condition of the house to determine its market value.

A professional home inspection is much more in-depth and specific than an appraiser’s inspection. It will provide information on hidden problems and defects that an appraiser is not trained to look for or recognize. The FHA does not recommend FHA home inspections as that is simply a part of the appraisal.

Many people do not realize that the Federal Housing Administration (FHA) is a part of the Department of Housing and Urban Development (HUD). FHA does not maintain its website but if you search for it you will be directed to the HUD website.

The FHA/HUD recommends you use a local, professional, licensed home inspector to provide you with a written inspection report. Here is a quote from the FHA/HUD website, “To find a qualified home inspector ask for references from friends, Realtors, local licensing authorities, and organizations that qualify and test home inspectors.” Here is a link to the full article where you will find that quote;  https://www.hud.gov/sites/dfiles/OCHCO/documents/92564-CN.pdf.

Space City Inspections, LLC has provided Home Inspections in Houston, Galveston, since 2003. We are certified by the Master Inspector Certification Board as "Certified Master Inspector" and by the American Society of Home Inspectors. ASHI Certified Inspectors (ACI) are accredited by the National Commission for Certifying Agencies (NCCA).