When applying for an FHA loan, there are certain safety standards the Federal Housing Administration requires the home to pass. If a home does not meet the basic minimum requirements, the FHA loan will not be approved. If you are in the market to sell or are considering buying a home, these 5 home issues that won’t pass FHA guidelines will help you spot potential problems ahead of time. Often times, a few quick fixes can prevent some lengthy hold ups.

1. Missing Handrails and Porch Railings

Stairs are one of the most common places accidents occur within a household. Older homes, or newly renovated homes, may not have handrails installed. While this issue may seem minor to some, a handrail can save a life. If someone is falling down the stairs, slips going up the stairs or twists their ankle, a handrail can give them something to hold on to. The same goes for the exterior of the structure. Non-existent or loose hand railing’s can be a disqualifier for an FHA loan. Installing proper handrails can prevent potential injury, surgery or worse. For these reasons, all stairways must have handrails to qualify for FHA financing.

2. Peeling Paint 

Given the dangers of lead paint, peeling paint is a big concern for FHA. Even if a home was built after 1978 and is unlikely to contain lead, peeling paint can still be a hazard. Thus, a home will not meet FHA requirements if peeling paint is present. Peeling paint is one of the most common home issues that won’t pass FHA guidelines. If you are selling a home and would like to appeal to FHA buyers, it’s best to correct this beforehand. A fresh coat of paint can also add value to your home.

3. Leaky Plumbing

There are a myriad of issues that stem from leaky plumbing. Water damage can rot wood, effecting the structural integrity of the home. Water dripping on electrical outlets or wiring can result in house fires. Finally, moisture creates the perfect opportunity for mold growth. If the plumbing isn’t up to snuff, the costs could devastate a home owner. Any non-functioning or leaky plumbing must be repaired to qualify for FHA financing.

4. Broken Windows

Windows and doors protect the integrity of the interior of a home. Thieves, pests, animals and weather can cause serious problems in a home. Broken glass can also create a walking hazard, which could result in a bodily injury. Energy systems also benefit from a properly insulated home. If there are cracks and spaces in a home’s windows, it is nearly impossible to maintain a steady temperate.

Other Home Issues that Won’t Pass FHA Guidelines

The above is merely the most common safety standards set by FHA. Click here for a more comprehensive list of home issues that won’t pass FHA guidelines. Given the large number of buyers who use FHA financing, you certainly don’t want to exclude FHA buyers from purchasing your home. By knowing some of these safety standards ahead of time, you can address them and avoid both buyer repair negotiations and closing delays.