Does a home have to have central heating to qualify for an FHA mortgage loan?

In general, FHA does require heating.. All habitable rooms must have a functioning heat source (except in a few select cities with mild winters). To know if your city is exempt, you should contact a local mortgage broker and ask them.. they will be on top of the current guidelines for your area.. 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. 480-287-5714 WilliamAcres.com