Does FHA Require Radon Testing?
Radon is a naturally occurring radioactive gas that can be found in homes across the United States. It is odorless, colorless, and tasteless, making it difficult to detect without proper testing. The Environmental Protection Agency (EPA) has identified radon as the second leading cause of lung cancer in the United States. As a result, many homebuyers and sellers are curious about whether the Federal Housing Administration (FHA) requires radon testing for homes that are being financed through their mortgage programs.
Understanding the FHA’s Role in Radon Testing
The FHA is a government agency that insures mortgages for borrowers who may not qualify for conventional loans. The agency’s primary goal is to provide affordable housing opportunities for low- and moderate-income individuals and families. While the FHA does not mandate radon testing as a requirement for obtaining an FHA mortgage, it does provide guidance and recommendations for lenders and borrowers regarding radon.
Recommendations for Lenders and Borrowers
According to the FHA, lenders are encouraged to advise borrowers to have their homes tested for radon before purchasing or refinancing. This is because radon levels can vary significantly from one home to another, even within the same neighborhood. The FHA suggests that lenders should inform borrowers of the potential health risks associated with radon exposure and encourage them to test their homes for the gas.
Radon Testing Requirements
If a borrower decides to proceed with a radon test, the FHA does not specify any particular testing standards or methods. However, the agency recommends that lenders require borrowers to use a qualified radon measurement professional to conduct the test. This professional should be certified by a recognized national or state organization, such as the National Radon Safety Board (NRSB) or the American Association of Radon Scientists and Technologists (AART).
Understanding Radon Levels and Mitigation
The FHA does not require lenders to ensure that radon levels in a home are below a certain threshold. However, if radon levels are detected above the EPA’s action level of 4 picocuries per liter (pCi/L), the FHA recommends that the borrower consider mitigation measures to reduce the radon levels. These measures may include installing a radon mitigation system or sealing cracks and other openings in the home to prevent radon from entering.
Conclusion
In conclusion, while the FHA does not require radon testing for homes financed through their mortgage programs, the agency does encourage lenders and borrowers to be aware of the potential health risks associated with radon exposure. Lenders are advised to inform borrowers of the importance of radon testing and to consider mitigation measures if radon levels are detected above the EPA’s action level. By taking these precautions, borrowers can ensure that their homes are safe and healthy environments for their families.
