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Old 03-14-2018, 05:44 PM
 
Location: Pennsylvania
1,706 posts, read 1,931,197 times
Reputation: 1129

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I just had an FHA appraisal completed and the appraiser noted peeling paint on the exterior foundation wall (stone) and front/back door trim. The comment in the report is:

Quote:
Peeling paint was noted on the exterior of the foundation walls, basement windows and front & kitchen exterior door trim. All peeling paint surfaces must be scraped and repainted. ALL PAINT CHIPS MUST BE REMOVED FROM THE SITE IN ORDER TO PASS THE FINAL COMPLIANCE INSPECTION.
I understand removing old paint and repainting the wood and metal frame of the windows and doors. My preference is to leave the exterior foundation wall unpainted. My realtor is interpreting the above to mean that the stone must be repainted. The stone is 112 years old and wasn't intended to be painted in the first place. Is it truly necessary to actually repaint an exterior stone surface once the offending paint is completely removed?
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Old 03-14-2018, 06:21 PM
 
Location: Virginia
4,504 posts, read 2,334,841 times
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Quote:
Originally Posted by Clint. View Post
I just had an FHA appraisal completed and the appraiser noted peeling paint on the exterior foundation wall (stone) and front/back door trim. The comment in the report is:



I understand removing old paint and repainting the wood and metal frame of the windows and doors. My preference is to leave the exterior foundation wall unpainted. My realtor is interpreting the above to mean that the stone must be repainted. The stone is 112 years old and wasn't intended to be painted in the first place. Is it truly necessary to actually repaint an exterior stone surface once the offending paint is completely removed?
I would check with the FHA. They are notoriously picky about some of their requirements. I once got all new siding paid for by the sellers on a house because the existing masonite siding had some chipping and swelling in it; they put all new vinyl siding to cover it to meet the FHA's requirements. Unfortunately, this is one of the reasons that FHA financing is not always the best to use for very old houses.
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Old 03-14-2018, 06:24 PM
 
2,923 posts, read 4,317,298 times
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If your home was built before 1978 then ALL peeling paint must be removed from the premises.

If the foundation wall is painted and the paint is peeling then it will have to be scraped and repainted and all paint chips will have to be removed from the site.

IF the foundation wall is stone and you want to completely remove the paint and paint chips and the stone will look good with all paint removed then that should be fine with FHA and the appraiser.
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Old 03-14-2018, 08:17 PM
 
Location: Pennsylvania
1,706 posts, read 1,931,197 times
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Thanks for the advice. I contacted the appraiser for clarity as well.
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Old 03-15-2018, 10:17 AM
 
Location: Johns Creek, GA
13,154 posts, read 50,619,140 times
Reputation: 15354
"Clarity"? That's a nice way to put it!

FHA inspectors are pretty much like AHJ inspectors- don't question their authority; they just become A-holes! Give'em what they want a get-on down the road. Or; find a less imposing structure for inspection- a 100+yo house doesn't really fall into their "expertise".

Encapsulation of lead paint- and I'm sure that house has plenty(!)- is a mystery to the naked eye. Sometimes it just makes you wonder; what's the point?(!)
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