Ask the Residential Mortgage Underwriter: When is a septic inspection required on an FHA loan?

Q: When is a septic inspection required on an FHA loan?

A: Septic certifications are required when there is evidence of a malfunctioning system, when a property is vacant, or when a visible inspection is not possible due to snow coverage. When the appraiser visits the property, he checks out the septic and if he notates anything out of the norm, he will require a septic inspection to be done by a qualified inspector. Although the appraiser does not have snow get in the way of his inspection very often, the biggest takeaway of this rule is that a septic inspection is required when a property is vacant. It seems like every other property being sold these days is vacant, so make sure this is on your radar screen.


December 10, 2012 by · Leave a Comment

About James

James A. Williamson is currently the Sr VP of Sales Development for Shelter Lending Services (formerly Fairfield Mortgage). James joined Shelter in 1994 and was the company's top Loan Officer in GA for 20 straight years helping over 2500 families finance their homes. James now oversees an incredible group of Loan Officers in Atlanta while further building Shelter's Atlanta business.

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