FHA Loans and Sewage Requirements MNIndividual Home Septic or Public Sewer System

The record setting Power Ball Lottery just passed with no multi-million dollar winning ticket sold in Minnesota. Most families that are planning to buy a house this year will have to get a mortgage loan to finance the purchase. FHA Home Loans are one of the most common kinds of loans on the market. In order to qualify for a FHA or HUD loan, homes must meet minimum requirements for Sewage Treatment. Properties in rural MN communities are likely to have an Individual Septic System rather than hooking up to a public sewer system. As a MPCA Certified Septic Inspector, Custom Septic, Inc. (CSI) is qualified to provide Septic Compliance Inspections to verify that the sewage system is acceptable to the local health department and mortgage lender.


FHA Home Loan Requirements for Sewage Treatment

Individuals seeking a Home Mortgage Loan from HUD/FHA have to be sure that the property is equipped with a Compliant Sewage Treatment System. In rural areas of Minnesota and many of the outer Minneapolis and St Paul MN suburbs this would mean having an Individual Septic System that meets local health code requirements.

  • Home Sewage Treatment Systems that are acceptable to local health requirements are also okay for FHA/HUD requirements
  • Many different types of Individual Septic Systems are approved by the US Dept of Housing and Urban Development (HUD)
  • Septic Compliance Inspections may be needed in some cases such as the following circumstances:
  1. Sewage System Failure is suspected
  2. Asked for by the mortgage lender
  3. Required by the local regulations or by local community


MN Septic Compliance Inspections

In MN, a Septic System Compliance Inspection can be performed by a MPCA Certified Septic Inspector or a qualified individual from the local health department. The inspection can be added as a condition of the home appraisal. The inspection will show if the sewage system meets code and is working properly at this time. A Certificate of Compliance or Notice of Noncompliance will be issued after the compliance inspection is completed.


MN Certified Septic Inspector

Custom Septic Inc. (CSI) is a local Minnesota Septic Contractor that is qualified to conduct Septic Compliance Inspections. During the application process for a HUD – FHA qualifying Home Mortgage Loan, an inspection may be ordered. It is also a good way for home buyers to have peace of mind that the Sewage Treatment System that they are about to purchase along with the home is functioning properly.

In Northern MN or rural Minneapolis and St Paul MN suburbs, call a MPCA Certified Septic Inspector at Custom Septic Inc. (CSI) at 763-218-4769