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If you’re looking into an FHA loan for a new property, you probably already know that there are certain standards that the property has to meet in order to be approved. If the property you’re looking into has a septic tank, there are specific standards that your approval is judged by.
Qualifying Systems
When it comes to septic tanks, there are a variety of types. Though, many different systems qualify for an FHA loan. This includes mound systems, cesspools and many others that may meet local codes and requirements.
Local Codes
The septic system has to meet the local government code. Usually, if a system does, then the FHA loan is approved quickly.
Inspection
If there is any sign of failure with the septic system, then you will need to have it inspected. Normally, the underwriter will decide if the inspection is necessary. Once this happens, passing inspection is imperative to get an approval.
Many homes aren’t connected to local sewer systems but instead have their own septic tanks. While no system is exactly the same, as long as the system is functioning and has met its local standards, there’s no reason why it shouldn’t be approved for an FHA loan. If you’re looking into more information on septic tanks, call West Coast Sanitation at 951-780-5922.

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