Directors Mortgage will follow all Agency, State and local laws where CO detectors, smoke alarms, and water heater strapping are required. Please follow the below guidelines when an Appraisal or Property Inspection note these items are required but missing or improperly installed.
CONVENTIONAL AND VA LOAN TYPES:
Conventional Loan Types: When the Appraiser indicates CO detectors or smoke alarms are missing, or that inadequate strapping of a water heater is noted and marks the appraisal ‘‘SubjectTo’’ completion of these items, the completed work must be re-certified by the appraiser with a 1004D.
If the Appraisal notes the above items are missing or incomplete but appraisal is marked ‘‘AsIs,’’ we will accept the following to support the work has been satisfactorily completed:
1. Purchases: Directors Mortgage Certification form completed and signed by either the Seller
or Agent(s); PLUS #3 and #4
2. Refinances: Directors Mortgage Certification form completed and signed by Borrower(s);
PLUS #3 and #4
3. Paid receipts for the purchase of the items installed; And
4. Legible photos of the installed items in the required location (Note: One picture of the
home’s front entrance must also be included).
VA Loan Types: If the Appraiser indicates CO Detectors or Smoke Alarms are missing or that inadequate strapping of a water heater exists, the Underwriter should not indicate these items on the NOV regard less if the appraisal was done ‘‘As Is’’ or ‘‘Subject To.” VA does not consider these items to be part of the Federal Minimum Property Requirements. The Underwriter will, however, condition for these items to be completed. To satisfy the condition, Directors Mortgage will accept the same certification documentation evidence as outlined above for Conventional loans with ‘‘As Is” appraisals.
FHA AND USDA LOAN TYPES:
If the Appraisal does not indicate that these items are installed, then the Underwriter must condition for the appraiser to address whether they are in place where required. If it’s determined that they are missing these items, and there are any other repairs requiring corrections in-order for the property to meet the Agencies minimum property requirements, the loan must be conditioned for and re inspected by the Appraiser in order to obtain a clear 1004D.
However, if the Appraisal is ‘‘As Is’’ but the items are noted as missing, then Directors Mortgage will accept the certification and documentation outlined in the Conventional VA Loan Types section.
CO DETECTOR REQUIREMENTS
Qualifying CO sources:
- A heater, fireplace, furnace, appliance, or cooking source that uses coal, wood, petroleum products, or other fuels that emit CO as a by-product of combustion.
- Includes wood stoves, pellet stoves, and gas water heaters.
- Petroleum products include, but are not limited to, kerosene, natural gas, or propane.
- An attached garage with a door, ductwork, or ventilation shaft that communicates directly with a living space.
- Homes built in 2011 or newer, regardless of the presence of a CO source, are required to have CO detectors.
CO alarms should be installed:
- On each floor where bedrooms are located.
- In each bedroom or within 15 feet outside of each bedroom door.
- Located in accordance with the rules and applicable building codes at the time of construction or alteration.
- In accordance with the manufacturer’s instructions.
- Some local ordinances have additional requirements.
VA Loan Types: If the Appraiser indicates CO Detectors or Smoke Alarms are missing or that inadequate strapping of a water heater exists, the Underwriter should not indicate these items on the NOV regard less if the appraisal was done ‘‘As Is’’ or ‘‘Subject To.” VA does not consider these items to be part of the Federal Minimum Property Requirements. The Underwriter will, however, condition for these items to be completed. To satisfy the condition, Directors Mortgage will accept the same certification and documentation evidence as outlined above for Conventional loans with ‘‘As Is” appraisals.
Washington State law (RCW 19.27.530) requires carbon monoxide alarms to be installed in new residences. As of January 1, 2013, carbon monoxide alarms are required in existing apartments, condominiums, hotels, motels, and single-family residences, with some exceptions. Owner-occupied single-family residences, legally occupied before July 26, 2009, are not required to have carbon monoxide alarms until they are sold. For more information on the carbon monoxide alarm requirements, contact the local building code official or see the State Building Code Council’s Carbon Monoxide Alarm page.
Carbon monoxide alarms in dwelling units shall be installed outside of each separate sleeping area in the immediate vicinity of the bedrooms on each level of the dwelling and in accordance with the manufacturer’s recommendations. Where a fuel burning appliance is located within a bedroom or its attached bathroom, a carbon monoxide alarm shall be installed within the bedroom.
SMOKE DETECTOR REQUIREMENTS:
Smoke alarms in dwelling units shall be installed in each sleeping room as per the applicable requirements of the State Building Code at the time of construction and in the corridor or area giving access to sleeping areas according to the manufacturer’s instructions.
Where sleeping areas are located on an upper level, the smoke alarm or smoke detector shall be installed in an accessible location as close as practical to the center of the ceiling directly over the stairway. Where sleeping areas are widely separated (i.e., on different levels or opposite ends of the dwelling unit) and/or where a single smoke alarm or smoke detector will not adequately service all sleeping areas, a smoke alarm or smoke detector shall be installed adjacent to each sleeping area (OAR 837-045-0050)
• Outside bedrooms within 21 feet of all bedroom doors.
• On each level of the home (including the basement).
• In bedrooms, if required by state building code at the time of construction.
• All smoke alarms are to be installed according to the manufacturer’s recommendations.
At least one smoke detection device shall be installed to protect the sleeping area within each dwelling unit. A sleeping area is defined as the area or areas of the dwelling unit in which the bedrooms (or sleeping rooms) are located. Where bedrooms or rooms ordinarily used for sleeping are separated by otheruse areas (such as kitchens or living rooms but not bathrooms or closets), or are located on different stories or floor levels, they shall be considered as separate sleeping areas for the purposes of these rules. Dwelling units with more than one sleeping area shall require the installation of additional smoke detection devices to protect each sleeping area.
WATER HEATER STRAPPING REQUIREMENTS:
Both Oregon and Washington states have laws requiring double-strapping of water heaters in homes, with some specific provisions and exceptions. See the following:
Oregon: Straps are required on the upper one-third and lower one-third of the water heater. Straps are NOT REQUIRED in the following counties: Wasco, Jefferson, Deschutes, Crooks, Sherman, Wheeler, Gilliam, Marrow, Grant, Harney, Umatilla, Union, Baker, Malheur and Wallowa.
Washington: If straps are being bolted to the wall you need to use several ¼ inches by 3 inches or longer lad screws with oversized washers. If straps are being secured straight to concrete/concrete walls use ¼ inches expansion bolts and screws.