Fha Attic Inspection Requirements

At a minimum the appraiser must enter head and shoulders into the attic.

Fha attic inspection requirements.

Clarifying 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. Attic and crawl space inspection requirements. Is an attic inspection required for fha.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. General acceptance criteria property eligibility and non residential use of property.

Ensuring that mixed use properties comply with zoning. Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. Federal housing administration fha loans must meet safety. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.

This is to make sure the home is worth the selling price. A home inspection is not required for a home loan. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. 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.

Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. Fha appraisers are required to observe the attic area. 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.

For an fha loan the u s. All appropriate approaches must be utilized when applicable. Fha s office of single family housing. 12 attic and crawl space inspection requirements.

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. Cost and income approach for value. What is an fha inspection and appraisal. To a full inspection.

The appraisal the lender receives is enough to show the property meets the fha requirements. The appraiser must observe the interiors of all attic spaces. 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. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what.

However an fha inspection is highly recommended. Head and shoulders is the.