Chief Appraiser Says
Reading the actual guideline text below — never a general AI guess
Here's what the guidelines say about missing floor covering: Fannie Mae requires that when an appraiser documents missing floor coverings in multiple rooms, they must assign the property a C5 condition rating (which means it needs repairs before financing), unless the appraisal is deliberately written as "subject to" the installation of new flooring—in which case a C4 rating applies. The VA and FHA handbooks don't directly address missing floor coverings in these passages. Straight from URAR (FNMA) — nothing added.
AI Search
General web information, outside Chief Appraiser’s vetted library — verify against the authoritative source before relying on it professionally
Searching the wider web…
📖 Want the complete reference, not just this passage?
See the full UAD 3.6 Appendix F-1: URAR Reference Guide (full reference guide) →
© Copyright Notice: © Fannie Mae. UAD 3.6 / URAR reference materials shown for research and reference only. Full documents available at fanniemae.com/uad. Reproduction restricted per Fannie Mae copyright policy.
Chief Appraiser Picks · Related Video
FHA Appraisals and Required Repairs: Unlock the Secret (Mortgages by Miles)
0.140
17 10. Inconsistencies in reporting Condition Appraiser noted that there are missing floor coverings in multiple rooms of the subject. They included these in the Defects, Damages,…
UAD 3.6 / URAR (FNMA) · uad-lessons-learned-job-aid.pdf · Page 17
· View at official source (fanniemae.com/uad) →
17 10. Inconsistencies in reporting Condition Appraiser noted that there are missing floor coverings in multiple rooms of the subject. They included these in the Defects, Damages, and Deficiencies (Unit Interior) table, but indicated that the recommended actions were None. By definition as seen in Appendix F-1: URAR Reference Guide, missing floor coverings should result in a C5 rating: • If this is intended to be an as-is appraisal due to the missing floor coverings, by definition this would be a C5. • If the appraisal was intended to be made subject to the installation of the floor coverings, then it could be made a C4.
0.134
Unit Interior Appendix F-1: URAR Reference Guide Page 140 of 375 Version 1.3 Flooring Condition Status (Choose one for each Flooring Type) Allowable Answer Definition / Additional…
UAD 3.6 / URAR (FNMA) · Appendix F-1 URAR Reference Guide v1.3.pdf · Page 140
· View at official source (fanniemae.com/uad) →
Unit Interior Appendix F-1: URAR Reference Guide Page 140 of 375 Version 1.3 Flooring Condition Status (Choose one for each Flooring Type) Allowable Answer Definition / Additional Guidance No Finish The flooring is missing its final finish. Note: When Flooring Type is Subflooring Only, select this answer and indicate the location of the missing flooring in Condition Comment (10.048). Walls and Ceiling The appraiser must provide information about the walls and ceilings in the unit. The Walls and Ceiling row always displays in the Interior Features table. The information in this row applies to all walls and ceilings in the unit. Unit Interior - Interior Features: Walls and Ceiling Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance 10.044 Feature Always required Reference the Definition / Additional Guidance column Interior Feature • Walls and Ceiling Note: Photo(s) of the walls and ceiling may be provided, which display in Unit Interior Exhibits, with the caption “Walls and Ceiling”. An additional caption may be provided to further identify the photo. 10.045 Detail Always required Choose one or more allowable answers from the Definition / Additional Guidance column Ceiling Height(s): The approximate ceiling height(s) in the unit, rounded to the nearest foot. • Less than 7 feet • 7 Ft. • 8 Ft. • 9 Ft. • 10 or more feet • 2 or more stories 10.045 Detail Always required Choose one or more allowable answers from table (Ceiling Style) Ceiling Style: The style(s) of ceilings in the unit. • Barrel • Beams • Cathedral • Coffered • Drop • Flat • Tray • Vaulted • Other (Describe) 10.046 Quality Comment If needed to describe the current quality of the walls and ceilings in the unit Free-form A brief description of the quality of the walls and ceilings as of the effective date. For further expansion of commentary, use Unit Interior Commentary (10.061).
0.074
Minimum Property Requirements 12-35 28. Crawl Space Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Expectation Fee appraisers are…
VA Lenders Handbook (Pamphlet 26-7) · VA-Lender-Handbook.pdf · Page 446
· View at official source (VA.gov — Appraisers/Staff Appraisal Reviewer) →
Minimum Property Requirements 12-35 28. Crawl Space Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Expectation Fee appraisers are required to view, but not enter, the crawl space. b. Requirements The crawl space must: • have adequate access, • be clear of debris, and • be properly vented. c. Floor Joists The floor joists must be sufficiently above the highest level of the ground to provide access for maintenance and repair of ductwork and plumbing. d. Dampness Any excessive dampness or ponding of water must be corrected. e. Vacant Area Beneath House Not all houses with a vacant area beneath the flooring are considered to have a crawl space particularly if no mechanical systems are present, and there is no reason for access. If the area is properly vented and free of moisture, this condition is acceptable.