Fha Attic Inspection Requirements

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

Fha attic inspection requirements.

The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Fha appraisers are required to observe the attic area. Inspection the attic must be examined whether access is by pull down stairway or scuttle. The appraisal the lender receives is enough to show the property meets the fha requirements.

However an fha inspection is highly recommended. For an fha loan the u s. 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 what.

Is an attic inspection required for fha. At a minimum the appraiser must enter head and shoulders into the attic. Ensuring that mixed use properties comply with zoning. Head and shoulders is the.

Fha s office of single family housing. General acceptance criteria property eligibility and non residential use of property. Attic and crawl space inspection requirements. A home inspection is not required for a home loan.

What is an fha inspection and appraisal. To a full inspection. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Head and shoulders is the alternate to a full inspection.

Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. 12 attic and crawl space inspection requirements.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. All appropriate approaches must be utilized when applicable. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation. 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.

Federal housing administration fha loans must meet safety. This is to make sure the home is worth the selling price. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

The appraiser must observe the interiors of all attic spaces. Cost and income approach for value.