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Old 12-19-2009, 09:30 AM
1 posts, read 4,727 times
Reputation: 11


I saw an older post from 2008 about this, but wanted to get a more updated answer. We want to make an offer on a home that is in great condition from what we see, it is only missing three appliances in the kitchen (Refrigerator, microwave, and stove). The seller is not accepting 203K loans, and we really want the home, but can not do conventional. Is there anyway, other than the seller paying for them, that we can still be able to get an FHA loan? We don't have a problem acquiring the appliances after we close. Please give me your thoughts.
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Old 12-19-2009, 09:45 AM
136 posts, read 421,982 times
Reputation: 61
If the seller is unwilling to pay for them I would just try to do Craigslist and get some free/cheap appliances just to get the loan closed.

We had this issue when we purchased our house. We bought the appliances and had them installed before closing a bit of a risk but we had access to the house so we could have gotten them out if the deal fell through.

I don't think the appraiser even looked to see if they were functioning just that they were in there.

You wouldn't need to get the microwave only the stove/refrigerator.
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Old 12-19-2009, 10:04 AM
Location: Tempe, Arizona
4,511 posts, read 8,088,157 times
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Actually, FHA shouldn't care about the refrigerator either. It's very common for them not to be included in the sale here. All you should need is the stove.
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Old 12-19-2009, 11:50 AM
Location: Mountain Ranch, CA The heart of Calaveras County
6,397 posts, read 12,603,041 times
Reputation: 5278
FHA appraisers are supposed to check that all appliance fixtures are functioning. Heck you might even try one of those rental places to have one in working order installed before the transaction.
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Old 12-23-2009, 08:20 PM
Location: Lansing
79 posts, read 306,743 times
Reputation: 52
I just closed an FHA deal where we asked the seller to provide a $1200 appliances allowance and a check was cut directly to Best Buy at closing for the appliances. It was on the seller's side of the HUD.
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