SEPTIC TANK INSPECTIONS WITH AN FHA LOAN

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Is septic tank inspection required with an FHA purchase?

Septic system inspections are required only if:
(1) The appraiser observes evidence of system failure or suspects a problem with the system, or
(2) It is customary to obtain inspections in the area, or
(3) Inspections are mandated by the State or local jurisdiction. In the above instances the appraiser is to condition for an inspection and certification, by the local health authority, a licensed sanitarian or an individual determined by the lender to be qualified to inspect the system, that states the system appears to be operating properly.

If the home has been unoccupied for more than 30 days (and does not meet one of the conditions noted above) the lender's underwriter must decide if an inspection of the system is necessary. In addition to the above, a lender's underwriter can use his/her discretion to require an inspection of a system whenever the underwriter believes it prudent lending to do so.
Mortgagee Letter 05-4

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