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U.S. Department of Housing and Urban Development
Office of Housing
Special Attention of: Notice H 96-44
All State and Area Coordinators
All Directors, Office of Housing Issued: May 22, 1996
All Directors, Single Family Expires: May 31, 1997
Housing Division
All Chiefs, Real Estate Owned Branches Cross References: Handbook 4310.5
REV-2, Mortgagee Letter 96-10
Subject: Single Family Property Disposition Program - Disclosure
Requirements Related to Obtaining A Home Inspection
Attached is a revised Lead-Based Paint Disclosure notice, which now
includes information on the importance of obtaining a general home
inspection. Effective 30 days from the date of this Notice, use of the
revised disclosure notice is mandatory for all Single Family Property
Disposition sales that involve FHA mortgage insurance, notwithstanding the
construction date of the property. Mortgagee Letter 96-10 dated February 22,
1996 advised all approved mortgagees that the top portion of the revised
disclosure form must be retained in the case binder. Please notify selling
brokers of this requirement as soon as possible, and provide the revised
disclosure form and instructions in meetings with industry and in Brokers'
Information Releases.
The top portion of the revised disclosure form is applicable for all
sales that will involve FHA mortgage insurance and must be signed and dated
by the borrower(s), on or before the date that the sales contract is
executed, regardless of the date of construction of the property. The broker
must provide the top portion of the disclosure form to the mortgage lender
with the borrower's original signature and date on the first page. There is
no change to the use of the bottom portion of the disclosure form, which is
applicable to all sales of properties built before 1978. For these
properties, the broker must provide the disclosure form to the mortgage
lender with the borrower's original signature and date on the second page of
the disclosure form.
If you have any questions concerning this Notice, please call Ann M.
Sudduth, Director, Single Family Property Disposition Division, at (202) 708-
0740.
Assistant Secretary for Housing-
Federal Housing Commissioner
Attachment
HSIP: Distribution: W-3-1,W-2(OGC)(H)(Z),W-3(A)(H)(ZAOO),W-4(H),R-1,R-2,R-3,
R-3-1(H)(RC),R-3-2,R-3-3,R-6,R-6-1,R-6-2,R-7,R-7-1,R-7-2,R-8,R-8-1
U. S. Department of Housing and Urban Development
NOTICE TO PURCHASERS
THE IMPORTANCE OF A HOME INSPECTION
HUD does not warrant the condition of a property. It is important for you to
have a home inspection performed on the property you wish to purchase in
order to identify any possible defects. Up to $200 of the cost to perform the
inspection may be financed into your mortgage. Names of home inspection
companies can be found in the yellow pages of your telephone directory under
the heading "Home Inspection Services."
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Date Signature(s)
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NOTICE TO PURCHASERS AND RENTERS OF HOUSING CONSTRUCTED BEFORE 1978
WATCH OUT FOR LEAD-BASED PAINT POISONING!
If the home you intend to purchase or rent was built before 1978, it may
contain lead-based paint. About three out of every four pre-1978
buildings have lead-based paint.
WHAT IS LEAD POISONING?
Lead poisoning means having high concentrations of lead in the body.
LEAD CAN:
o Cause major health problems, especially in children under 7
years old.
o Damage a child's brain, nervous system, kidneys, hearing, or
coordination.
o Affect learning.
o Cause behavior problems, blindness, and even death.
o Cause problems in pregnancy and affect a baby's normal
development.
WHO GETS LEAD POISONING?
Anyone can get it, but children under 7 are at the greatest risk,
because their bodies are not fully grown and are easily damaged. The
risk is worse if the child:
o Lives in an older home (built/constructed before 1978, and
even more so before 1960.
o Does not eat regular meals (an empty stomach accepts lead more
easily).
o Does not eat enough foods with iron or calcium.
o Has parents who work in lead-related jobs.
o Has played in the same places as brothers, sisters, and
friends who have been lead poisoned. (Lead poison cannot be
spread from person to person. It comes from contact with lead.
Women of childbearing age are also at risk, because lead poisoning can
cause miscarriages, premature births, and the poison can be passed onto
their unborn babies.
WHERE DOES IT COME FROM?
The lead hazards that children most often touch are lead dust, leaded
soil, loose chips and chewable surfaces painted with lead-based paint.
A child may be harmed when it puts into its mouth toys, pacifiers, or
hands that have leaded soil or lead dust on them. Lead also comes from:
o Moving parts of windows and doors that can make lead dust and
chips.
o Lead-based paint on windows, doors, wood trim, walls and
cabinets in kitchens and bathrooms, on porches, stairs,
railings, fire escapes and lamp posts.
o Soil next to the exterior of buildings that have been painted
with lead-based paint and leaded gasoline dust in soil near
busy streets.
o Drinking water (pipes and solder).
o Parents who may bring lead dust home from work on skin,
clothes and hair.
o Colored newsprint and car batteries.
o Highly glazed pottery and cookware from other countries.
o Removing old paint when refinishing furniture.
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