Why FHA Well Water Tests Get Rejected
FHA well water tests are rejected every day across North Carolina—and most of the time, the water itself is not the problem. Rejections usually happen because the test was performed incorrectly, documented poorly, or submitted in a format lenders cannot accept.
Understanding why FHA well water tests fail helps buyers, agents, and sellers avoid unnecessary delays.
Common Reasons FHA Well Water Tests Are Rejected
The most common causes include:
Sampling performed at the wrong location
Filters or aerators left on the faucet
Missing Nitrate or Nitrite results
Non-certified laboratory analysis
Reports lacking clear identifiers or signatures
Any one of these can cause underwriting to kick the report back.
Sampling Errors Are the #1 Issue
FHA loans require water sampling to follow recognized procedures. Sampling from the wrong faucet or using improper collection methods introduces risk of contamination or false readings, which lenders will not accept.
Missing or Incomplete Documentation
Underwriters need clean, professional reports that clearly show:
Property address
Date and time of sampling
Analytes tested
Certified lab results
Handwritten notes, screenshots, or partial reports often result in rejection.
How to Prevent FHA Test Rejections
The solution is simple: testing must be performed for real estate lending purposes, not general curiosity testing. Reports should be formatted for underwriting review and submitted promptly.
Learn more about compliant options through
real estate well water testing in North Carolina
