FHA Checklist

SELLING
Written By Eric Deniger

Preparing Your Home for FHA Buyers

Many buyers in the South Bend and Michiana area use FHA financing. To qualify, the property must meet HUD’s minimum health, safety, and structural standards. The good news? Most issues found during an FHA appraisal can be corrected quickly and do not have to derail a sale.

What FHA Appraisers Commonly Check

Before listing (or as soon as you know a buyer is using an FHA loan), walk through these key areas:

Exterior & Structure

  • Roof condition and remaining life (generally needs at least two years of useful life and no active leaks)

  • Foundation soundness and drainage

  • Exterior doors, windows, and garage door operation

  • Decks, patios, and handrails (safe and secure)

  • Paint condition — especially peeling or chipping paint on homes built before 1978

Systems & Utilities

  • HVAC, furnace, and water heater function properly

  • Electrical system (no exposed or unsafe wiring; GFI outlets where required)

  • Plumbing, toilets, and water supply work correctly

  • Well or septic system is functional (if applicable)

Interior, Safety & Other

  • Basement, crawl space, and attic are free of excessive moisture, debris, and wood-destroying insects

  • Stairs have proper handrails

  • Overall health and safety hazards are addressed

Providing clear photos of the front, rear, street view, sides, and any outdoor living areas (decks, patios, etc.) also helps both marketing and the appraisal process.

How Jennifer Lillie Helps Sellers Get FHA-Ready

As a top-producing South Bend realtor with Cressy & Everett Real Estate and more than 18 years of local experience, Jennifer Lillie guides homeowners through exactly what FHA lenders and appraisers look for. She can:

  • Walk you through the specific requirements that apply to your property

  • Help prioritize repairs and upgrades that matter most for appraisal approval

  • Recommend practical solutions so the process stays on track

  • Position your home to appeal strongly to FHA buyers while highlighting its strengths

The result is a smoother path to closing and fewer surprises for both you and the buyer.

Ready to prepare your home for FHA buyers? Call Jennifer Lillie today at 574-286-9667.

Eric Deniger
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