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The closet requirement may be a Fannie Mae or ANSI requirement, but not FHA. I think the key for FHA is window egress, but ultimately market perception would determine whether a room is considered a bedroom or not assuming that the room meets minimum requirements. A lot of older houses (in my area, typicaly over 80 years old) may have very few built-in closets in any of the rooms, but that may be customary for the area in which it is located. Conversely if you consider a newer residence with a room that has no closet, and it is customary for a bedroom to have a closet, the room may not be perceived as a bedroom by the segment of buyers that would be defined as the market for that home.haha - I must give credit to this post over at AppraisersForum.com
I had a couple ask me if I could finance a home without a kitchen, they wanted to build a new home but evidently neither of them cooked. They ate out every night.
This was back before HVCC so I just wanted to see what my appraiser would say, AHHH, no, she would not accept the assignment. How funny, they wanted three bathrooms but no kitchen, must have a phobia about public restrooms.http://www.hud.gov/offices/hsg/sfh/ref/sfh1-17a.cfm
Having financed real estate in Florida and Michigan I say Yes, you have to have a closet. The APPRAISER is the one who would count that room as a "bonus room" or "den" and not a bedroom. I have ran into this many, many times. Sean is also on the ball with the window too. I have had that issue come up as well. The appraiser is going to be your key as what they report is.....what it is!!!!!!PS: If you did this yourself and county records don't match the appraisal you could have it come up later. Keep that in mind too.
No. FHA wouldn't have any say on that. Although this is quite uncommon in California, there are a lot of (older, think late 1800's - early 1900's) homes with bedrooms that don't have closets in some areas. It would be state/local real estate guidelines that would define a bedroom. Per California building code a closet is not required in a bedroom but there may be more local ordinances that define a bedroom. I would check with a local Realtor on that but to answer you question about FHA, no, a closet is not required. Hope this information helps!Sincerely,Greg
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