Roof And Deferred Mainenance In Appraisal Report

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If the roof appears to be in poor condition in the appraisal pictures then often lenders will ask for a certification from a roof inspector estimating the remaining life of the roof.

Roof and deferred mainenance in appraisal report.

Deferred maintenance deferred maintenance consists of repair items on the house that should be fixed immediately but have not yet been repaired it is usually smaller type items like a broken window peeling paint hanging gutters etc. Now neglecting the condition of permanent home features is considered deferred maintenance. Minor conditions and deferred maintenance are typically due to normal wear and tear from the aging process and the occupancy of the property. Appraisal report form 1025 and the individual cooperative interest appraisal report form 2090 are non uad forms fannie mae does require that they be submitted to ucdp prior to loan delivery.

Because these items would require costly maintenance in the near future the appraiser would lower the appraisal value of your home accordingly. If the appraiser reports the existence of minor conditions or deferred maintenance items that do not affect the safety soundness or structural integrity of the property the appraiser may complete the appraisal as is and these items must be reflected in the appraiser s opinion of value. If there is evidence of major deferred maintenance on the property the mortgage will likely be declined. One of the most common deferred maintenance items is roof repairs.

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