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FHA appraisals are not home inspections, and appraisers know this. Are Home Inspections Required for USDA Loans?If you notice any of these items need repair, tell your property manager or landlord right away. Doors lock or latch properly. FHA Inspection Checklist — Analyzes the site of the property. Confirm that all appliances in the house are working as expected. This is not a full list of all property conditions for FHA loans. There is a lengthy checklist that a licensed inspector will be looking for. Typical issues that appraisers report include homes without an efficient and acceptable heat source.