When getting a USDA loan in New York State, what are the requirements as it pertains to a home's exterior?

Generally, the home has to be habitable and must have no safety or health deficiencies.. Since peeling paint can be eaten by kids, it will represent a health risk.. especially if the home was built prior to 1978 where it's possible there might be some lead based paint, so more than likely, the appraiser will note it has to be fixed.. as far as staining, that's more cosmetic, and would affect the appraised value, but it does not represent any safety or health risk.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Roof and exterior paint need to be in good condition, stain should protect the wood.

It's more lenient than it has been in the past actually. It all comes down to safety and function as interpreted by the appraiser. Any deferred maintenance not a safety issue or a function issue is supposed to be ok. (But will contribute to the overall condition of the house and therefore it's value). However, many appraisers err on the side of caution and add in items that might not need to be..... So it ends up that items that aren't obvious safety issues sometimes get included in as required repairs. Lowest rates. Best Service. 20 years experience in the industry. I am always happy to assist so if you need more information, a pre-qualification, or a competing rate quote you can go to my web page and use my live support button to discuss anything at all with me in an easier format. Web Address is: http://www.loansfromrob.com/quote/ Email is rhanson@gladewaternational.com and direct phone is 240-752-7549. Good Luck -- Rob Hanson

If you run into a relatively small issue with the property condition as determined by the appraisal, PrimeLending is a national lender that offers a repair escrow on USDA loans where the work can be completed after closing - usually within 30 days. I can refer you to a NY loan officer who could help. Good luck!