Attic Inspection For Fha

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements.

Attic inspection for fha.

For an fha loan the u s. Fha s office of single family housing. Attic and crawl space inspection requirements. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety.

These revisions must be meet to qualify for fha financing. What is an fha inspection and appraisal. Is an attic inspection required for fha. Ensure all appliances are operational.

If the appraiser cannot observe the entire attic a head and shoulders observation along with an explanation from the appraiser regarding why the entire attic could not be observed is sufficient. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. Ensuring that mixed use properties comply with zoning. Fha appraisers are required to observe the attic area.

Department of housing and urban development washington dc 20410 8000 assistant secretary for housing federal housing commissioner special attention of. Federal housing administration fha loans must meet safety. These include many health and safety inspections. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. To a full inspection. General acceptance criteria property eligibility and non residential use of property. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Department of housing and urban development hud requires this plus an inspection of the home s condition in order to pass inspection the home must meet minimum safety. Handbook 4000 1 all fha approved mortgagees. All appropriate approaches must be utilized when applicable. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders.

Fully access the attic space if able to do so. At a minimum the appraiser must enter head and shoulders into the attic. Clarifying that fha requires an inspection. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

This is to make sure the home is worth the selling price. Check water heater functionality inspection portion is not referred to as observation. Cost and income approach for value. 12 attic and crawl space inspection requirements.

Head and shoulders is the. When an fha loan is being used the appraiser has two objectives. Clarifying that fha requires an inspection. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation.