Essential Home Fixes for FHA and VA Approval: What You Need to Know

When preparing your home for FHA or VA financing, certain repairs and updates are necessary to meet the strict standards set by these agencies. These requirements ensure the property is safe, structurally sound, and livable. Missing key fixes can delay or even prevent loan approval, costing you time and money. This guide highlights the most important home repairs to focus on so your property qualifies for FHA or VA loans without hassle.

Well-maintained home exterior with no peeling paint or broken windows

Fix Peeling Paint and Surface Damage

One of the most common reasons homes fail FHA or VA inspections is peeling or chipping paint. Both agencies require the home’s exterior and interior surfaces to be free from peeling paint, especially in homes built before 1978, due to lead paint hazards.

• Scrape and repaint all areas with peeling or cracked paint.

• Use lead-safe practices if your home was built before 1978.

• Repair any damaged siding or trim before painting.

• Ensure all painted surfaces are smooth and fully covered.

  
  

This fix not only improves curb appeal but also addresses health and safety concerns that inspectors prioritize.

Replace Broken or Damaged Windows

Windows must be intact and functional. Cracked, broken, or missing panes are automatic red flags during inspections.

• Replace any broken glass immediately.

• Ensure all windows open and close properly.

• Check for and repair any water damage or rot around window frames.

• Weatherproof windows to prevent drafts and moisture intrusion.

  
  

Properly maintained windows contribute to energy efficiency and protect the home’s structure.

Ensure the Roof Is in Good Condition

The roof must be sound and free of leaks. FHA and VA guidelines require the roof to have at least two years of remaining useful life.

• Inspect for missing, damaged, or curling shingles.

• Repair leaks or damaged flashing.

• Replace the roof if it is near the end of its lifespan.

• Clean gutters and downspouts to prevent water damage.

  
  

A roof in good condition protects the entire home and is a critical factor in loan approval.

Install a Release Valve on the Hot Water Heater

Both FHA and VA inspections require the hot water heater to have a release valve that directs water safely to the floor or a drain in case of pressure buildup.

• Confirm the water heater has a temperature and pressure relief valve.

• Ensure the valve’s discharge pipe extends to within 6 inches of the floor or a proper drain.

• Replace or repair any missing or damaged valves or pipes.

  
  

This safety feature prevents potential flooding or explosions, which are serious hazards.

Check Handrails and Guardrails for Safety and Proper Spacing

Handrails on stairs and guardrails on decks must meet safety standards for height and spacing.

• Handrails should be sturdy and securely fastened.

• Spacing between balusters or rails must be less than 4 inches to prevent falls.

• Railings must be continuous on stairs and decks.

• Repair or replace any loose or damaged rails.

  
  

Proper railings reduce fall risks and are a common inspection point.

Additional Repairs to Consider

While the above fixes cover the most critical FHA and VA requirements, other repairs can improve your chances of approval:

• Electrical system: Ensure outlets, switches, and fixtures work safely.

• Plumbing: Fix leaks, drips, and ensure proper drainage.

• Heating and cooling: Confirm HVAC systems function properly.

• Foundation: Repair cracks or settling issues.

• Smoke detectors: Install or replace to meet local codes.

  
  

Addressing these areas helps present a well-maintained home that meets lender standards.

Preparing for the Inspection

Before the official FHA or VA inspection, conduct a thorough walk-through using the checklist above. Fixing issues early can prevent costly delays. Consider hiring a qualified home inspector to identify problems you might miss.

• Document all repairs with photos and receipts.

• Keep communication open with your lender and appraiser.

• Be ready to make additional repairs if requested.

  
  

Being proactive saves time and stress during the loan process.

Summary

To secure FHA or VA loan approval, focus on these essential home fixes:

• Eliminate peeling paint and repair damaged surfaces.

• Replace broken windows and ensure they function properly.

• Maintain a roof with at least two years of useful life.

• Install a proper release valve on the hot water heater.

• Ensure handrails and guardrails meet safety standards.