Can you close on an FHA mortgage loan with no appliances in 2014?

If the home calls for "built In" appliances, then yes. otherwise, appliances are not required for FHA financing.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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

Possible if the home is in live in condition and borrower has suffient reserves.

FHA does not require appliances however your lender may. See reference below from HUD.gov website:Neither a new home nor an existing home has to have a stove in order to be eligible for FHA financing.Handbook 4905.1 REV1, Section 2-5Handbooks are available on HUD's website at ttp://portal.hud.gov/hudportal/HUD?src=/program_offices/administration/hudclips/handbooks/hsgh