FHA Minimum Property Standards: What Buyers Should Know

When you’re using an FHA loan to buy a home, it must meet certain Minimum Property Standards (MPS). These are basic safety, security, and livability guidelines enforced by the FHA — and they can be deal-breakers if not

addressed early.

Common issues that might delay or derail FHA loan approval include:

· Peeling lead-based paint (especially in older homes)

· Electrical hazards or exposed wires

· Roof leaks or damaged shingles

· Non-functioning heating systems

· Mold, standing water, or structural cracks

That’s why a pre-purchase inspection is essential, especially by someone who understands FHA compliance — like Gregory Property Services.

We’ll help you:

· Identify red flags before they surprise your lender

· Determine whether repairs are worth the cost

· Decide if a 203k loan is a better path

Knowing the FHA standards upfront helps you make smarter, safer buying decisions.

Who is Curtis Gregory?

Curtis Gregory is the owner of Gregory Property Services, based in Indianapolis, IN. With years of experience in property inspection and renovation consulting, Curtis is passionate about helping homeowners transform their properties into sustainable, comfortable living spaces. His expertise in guiding clients through the rehab loan process has made him a trusted partner in revitalizing neighborhoods across Indianapolis. Curtis is committed to making homeownership more accessible and enjoyable for everyone in his community.