I was looking at a home this week, for an FHA loan, that had screw in fuses. Have you ever seen these? They use to be common years ago, however at some point they were replaced with circuit breakers. I have been asked by homeowners and real estate agents if these fuses meet HUD’s minimum property requirements (M.P.R.), so I thought I would share the answer with you.
The short answer to the question is “yes”. Screw in fuses are acceptable for homes being financed with an FHA loan, however there are some conditions. First of all the fuses must meet local building codes. If they are acceptable then the appraiser must make sure that there are no frayed or exposed wires, which could cause and electrical fire. Some of the older screw in fuses are limited to 60 amps but if this is adequate for the size of the home and it’s requirements then it should pass FHA guidelines.
Appraisers are not electricians and they are not qualified to make the final decision regarding the adequacy of electrical service for homes that have had upgrades over the years but have not had the electrical system updated. It may be necessary to upgrade the electrical service to meet code. When this is the case appraisers may call for an inspection by an electrician, who will then report on the adequacy and may make recommendations. If this occurs the the loan underwriter will most likely make the final decision if any repairs or upgrades need to be made. I hope this answers any questions you may have about the older screw in fuses and whether they pass FHA/HUD appraisal requirements. If you have any other questions let me know and I would do my best to answer them for you.