Go Back To Search Results Question Do you have to hook up to public water to refinance with FHA? We have well water and are refinancing our house with FHA. The appraiser said we may be required to hook up to public water. I need to know if it is required in a refinance. We do not currently have an FHA loan, we are refinancing with FHA. She didn't know if it was required since it was a refinance and not a new purchase. Thanks. By CLW Posted on 09/15/08 Total Answers 1 Answers- The appraiser is not authorized to speak as to FHA underwriting guidelines b/c he is not a licensed inspector nor an FHA underwriter. An FHA appraiser, appraises cosmetic condition and market value--period. It is not required. However, homes with a well do require a well test to ensure that the well is safe and located the appropriate distance from a sewer source. Local codes usually take care of the issue. In some rural areas, most people have wells. Answer by : Expert Realtor On Date 2008-09-15 17:58:25   Go Back To Search Results