FHA does not require a recorded road maintenance agreement on a private street that is not maintained by the HOA; however, there will need be evidence of some type that provides assurance that the road will be maintained. This is usually noted by the appraiser.

Answer: [tweet-start]If the only access to a home is a non-public road, call me for the details on what is and is not acceptable to lenders.[tweet-end] FHA requires that a home have safe and adequate access from EITHER a public street or a private street that is protected by a permanent recorded easement, ownership interest, […]

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