Contract Closeup: When the Lender Requires Repairs
Even if the parties are happy with the condition of a property, the lender may want repairs before it commits to a mortgage loan. In that case, Paragraph 7E of the One to Four Family Residential Contract (Resale) (TAR 1601, TREC 20-14) comes into play.
仅仅因为贷款人要求维修并不意味着维修就会进行. 根据7E段, absent another written agreement, neither party is obligated to pay for lender-required repairs. 而不是, if the parties don’t reach an agreement on the lender-required repairs, the contract will terminate, and the buyer will be refunded his earnest money. 也, if the cost of the lender-required repairs exceeds 5% of the sales price, the buyer can terminate the contract and receive his earnest money back.
Sounds like a possible conflict with the AS-IS provision.
是的，确实是这样，但贷款机构对具有无限修复潜力的房产有很大的下行风险敞口. 如果业主在关闭后发现他们不知所措，他们可能会决定让它取消抵押品赎回权.
一点也不. 买方购买房屋时，卖方不提供任何特殊条件的担保. 贷款人要求修理，贷款人说要修理，否则我们不会借给你钱.
有用的信息. 让他们继续来.
Examples of Lender Required repairs would be helpful. I would assume a roof that fails inspection might be one? 还有什么?
作为贷款人, 我见过许多不同的项目需要修复，以便能够满足投资者(房利美), 房地美, 联邦住房管理局或VA)要求. 大多数修理都与买方的安全有关，并在评估中列出，而不是在检查中列出. The most common is the water heater needing to be raised from the floor. 在某些地区，另一种常见的做法是拆除没有安全锁的防盗栏. All the investors have these requirements listed on their websites.
我们看到房子周围有腐烂的木头和WDI问题，因为贷方要求维修很多
我不同意莱蒂的观点. Most of these repairs are noted in the home inspector’s report. 评估师不是一个房屋检查员，这是在他们的大多数评估中指出的. If the water heater is in the garage according to Fannie, 房地美, 联邦住房管理局, 或弗吉尼亚州, it is ok because it can drain outside. If it is in the house it has to have a pan under it. 房屋检查员应该注意房屋内物品的问题，特别是安全物品. 我担心RE代理人不理解评估报告和… 阅读更多»
Usually required by 联邦住房管理局 或弗吉尼亚州 loans, the repairs could be anything structural like rotting siding or trim, bare external areas without a protective coat of paint, or safety issues like broken stairs or missing railings, anything not to code that is a safety issue, 破碎的窗户, 管道泄漏, 等.
白蚁和化粪池问题是我过去遇到的贷方需要“维修”的其他例子. 通过一些良好的谈判，我们能够使这些工作并达成协议.
联邦住房管理局 will probably be the biggest source of lender required repairs.
Rotten Wood, Peeling Paint or Exterior Wood Unpainted. 屋顶和基础通常是一大笔钱但如果你得到专家的签字，屋顶很好或者结构工程师说基础很好, then lender required repairs are manageable. 此外，我有一个保税承包商站在使大多数贷款人需要的报告，他将在关闭支付. Not all Contractors can or will do that….This was only a very short list….好关闭…..而且可能都是双赢的
1对4住宅合约是否必须由地产代理使用, even if one or both of the parties wants to use a different contract?
Is the current 1-4 family contract just a contract for real estate agents, 或者合同中是否有保护措施来帮助代理人避免被起诉?
A seller can require their own contract be used. Every handle a new home sale?
Please keep comments and/or questions relevant to the subject.
我最近有一个, even though closing costs in lieu of repairs had already been negotiated, 由于含铅涂料的可能性，估价师/贷款人要求在一个独立的车库涂上一层油漆(尽管买家说他们可能会拆除车库)。.
当买方终止，因为贷款人要求维修，并给卖方没有机会治愈? 贷款人表示，他们不是合同的当事方，需要披露所需的维修. 这样做通常是因为买家想出去买另一套房子，不想失去新兴市场.
If lender required repairs, exceed more than 5% of the sales price, can the seller terminate the contract? And return earnest money to buyer?
Had this pass yet if not when will it start .
如果潜在买家打算拆除房子(而不是住在里面)，然后建造新的建筑呢? Why would ANY prospective buyer, 在这种情况下, want to sink ANY more money for lender repairs … or any repairs?
在这种情况下，我的理解是买方将只购买地块/土地，并将通过银行获得临时贷款. 银行将简单地评估地块/土地，并同意贷款$$.
有用的信息.
这是很好的信息，
我的名字是玛丽亚戈麦斯，我住在美国佛罗里达州，今天我是一个快乐的女人, 我告诉自己，任何贷款人都可以改变我和我家人的生活, i will refer any person that is looking for loan to Them. 如果您需要贷款，并且您100%确定偿还贷款，请与他们联系，并告诉他们是玛丽亚·戈麦斯介绍您给他们的。 clienteleloanptyltd@gmail.com
玛丽亚·戈麦斯
再接再厉! Thank you so much for sharing a great posts.
是否有客户因为贷款人要求维修而要求退还定金, 在选择期之后，他们发现房子里有几个地方有石棉. The cost to remediate the asbestos is well over 5% of the purchase price, but the 卖家 were willing to make the repairs and remediate the asbestos. 买家已经卖掉了他们的房子，现在他们处于一个需要在两周内卖掉他们的房子并购买他们的新房子的位置… 阅读更多»