10/16/2026
The seller says the house has good bones.
You’re hoping they mean structurally.
The doors close on their own. Something scratches behind the walls. And the peeling paint might be older than whatever’s living in the basement.
But when you’re buying with a standard FHA purchase loan, some conditions need more than ghost hunters.
Issues affecting the home’s safety or structural soundness can require repairs before closing. Peeling paint in homes built before 1978 can also require attention under FHA’s lead-based paint requirements.
Dated wallpaper might haunt your dreams, but it doesn’t automatically rule out a home. “Sold as-is,” however, won’t make required repairs vanish.
Before you fall in love with that Victorian and its suspiciously motivated seller, let’s talk about the property and your financing options.
Message me before you make an offer. Preferably while you still have cell service.
And if the house whispers “get out,” we should probably keep looking.
