What are USDA Loan Well Water Requirements

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https://www.usdaloanpro.com/what-are-... • What are USDA Loan Well Water Requirements in Florida, Texas, Tennessee, and Alabama? • In the rural communities that we serve, you can probably guess that this is a common question. However, it is surprising that some lenders do not even know there are USDA loan well water requirements. • For example, I was recently told by a Realtor that a large online lender had told them that water tests were not required on USDA loans. Needless to say, that agent was driving around the day before closing scrambling to get a water test because that lender realized that USDA requires it! • Private wells are common throughout rural communities and understanding the USDA loan well water test requirements are extremely important towards keeping the timing of your transaction on track. • Pursuant to the USDA 3555 handbook guidelines, USDA loan requirements for individual water systems that are owned and maintained by the homeowner, must meet the requirements of the local and/or State Health Authority codes. • Additionally, USDA loan well water testing requirements include the following • The water quality of the well must meet the requirements of the state or local authority. If the state or local authority does not have specific requirements, the maximum contaminant levels established by the Environmental Protection Agency (EPA) will apply. • The local health authority or a state certified laboratory must perform a water quality analysis. The Safe Water Drinking Act does not apply to private wells. • The well location for individual water supply systems must be measured to establish the distance from the septic system. The separation distance between the well and septic systems must meet the SF Handbook (HUD Handbook 4000.1.) or be found acceptable by the local and/or State Health Authority. • Individual water systems/wells should be located on the subject property site. If located on an adjacent property, evidence of water rights and recorded maintenance agreement must be retained in the lender’s permanent loan file as acceptance of the well as the primary source of water. • In summary, when it come to USDA loan well water requirements, don't be scared - be aware! • As a USDA Approved Lender we offer in-house underwriting and are known for our extensive USDA home loan knowledge and experience. Remember to make sure are use my team as a resource and call if you have any specific questions about USDA loan well water testing requirements so we can review and advise. • Remember, check with the USDA loan experts at Metroplex Mortgage Services! • 800-806-9836 Ext. 280 • [email protected] • http://www.USDALoanPro.com • Download our FREE USDA Blueprint for Success! http://www.usdaloanpro.com/blue-print... • • GET MORE INSIGHTS • • More ProTips from USDA Loan Pro: • • Subscribe on YouTube: • http://www.youtube.com/subscription_c... • • Website: • http://www.usdaloanpro.com • • Facebook: • / metroplexmortgage • • Twitter: • / usdaloanpro

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