Birmingham, Alabama Real Estate Agent Tips: What is an MPR?

HUD Appraisal RequirementsI talk with real estate agents quite a bit in my day to day work as a real estate appraiser.  It seem like FHA appraisal requirements are the most confusing to them in relation to what appraisers look for during our appraisal inspections.  By knowing what an appraiser looks for, the agent can better prepare the home for listing so that there are no issues to get in the way of a smooth closing.

MPR stands for Minimum Property Requirements.  The three primary categories that an appraiser looks at are safety, soundness, and security. Items that fall under the safety category relate to the health, sanitary condition, and habitability of the property.  Common types of problems include malfunctioning electrical service or even missing hand rails on stairs.  Peeling or chipping paint can also affect the health and well-being of the occupants because it can be ingested and is poisonous.  This is especially important if the home was built prior to 1978 when lead based paint was used .

Items falling under the soundness category relate to the actual structure and the structural components.  This includes the foundation, roof, and walls on the inside of the home and porches and decks on the outside.  These components could have been built incorrectly or may be deteriorated and rotted.  The last category is security; not so much the security of the house itself but of the ability of the home to serve as security/collateral for the loan.  This could include its marketability (which may relate to the first two items).  If a home is in such a state of disrepair that no one would want to buy it then it would not be good collateral.  If the bank had to take the home back in foreclosure it would be very hard to resell it.

This is just a brief summary of HUD Minimum Property Requirements.  If you have any questions relating to appraisals for FHA loans please give me a call at 205-243-9304 I would be glad to help you.


  1. I meant “acronyms”. 🙂

  2. MPR, PMI, FHA, HVCC, HUD, FNMA… So many aconyms in real estate. Good information, Tom.

  3. Good info Tom. I have sent a few agents to you site to reference your FHA tips. It has been very helpful!


  1. […] secured by an FHA mortgage must meet HUD Minimum Property Requirements or MPRs. These requirements fall under three primary categories and include the safety, soundness, […]

  2. […] is to determine if the attic meets the “Three S’s” which I wrote about in my HUD MPR post. Take a look at the video below to see a recent attic I looked at during an appraisal […]

  3. […] guidelines to qualify for FHA financing.  I covered these “MPR” items in a previous post.  While there is a board nailed to the door opening to prevent potential accidents this would […]

  4. […] what types of repairs are required, and which ones are not.  As I have stated in a previous blog post, most items of repair in an FHA appraisal are related to safety, soundness, and security. Some […]

  5. […] of the subject property. These MPR items were covered in another blog post which can be viewed here.  After this is done the appraisal report will be acceptable for FHA […]

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