Fha Attic Inspection Requirements

If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation.

Fha attic inspection requirements.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Fha appraisers are required to observe the attic area. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased.

Federal housing administration fha loans must meet safety. However an fha inspection is highly recommended. Cost and income approach for value. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what.

A home inspection is not required for a home loan. To a full inspection. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. All appropriate approaches must be utilized when applicable. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. The appraiser must observe the interiors of all attic spaces.

Ensuring that mixed use properties comply with zoning. 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. Clarifying that fha requires an inspection. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

General acceptance criteria property eligibility and non residential use of property. Head and shoulders is the. 12 attic and crawl space inspection requirements. What is an fha inspection and appraisal.

Fha s office of single family housing. If you use an fha loan to buy a house the property will have to be appraised and inspected by a hud approved home appraiser. Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. Is an attic inspection required for fha.

This is to make sure the home is worth the selling price. Head and shoulders is the alternate to a full inspection. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures. The appraisal the lender receives is enough to show the property meets the fha requirements.

At a minimum the appraiser must enter head and shoulders into the attic. For an fha loan the u s.