Fha Attic Inspection Requirements

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders.

Fha attic inspection requirements.

For an fha loan the u s. A home inspection is not required for a home loan. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Attic and crawl space inspection requirements.

The appraisal the lender receives is enough to show the property meets the fha requirements. Cost and income approach for value. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. 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 what. Clarifying that fha requires an inspection. Fha appraisers are required to observe the attic area. Is an attic inspection required for fha.

Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. Fha s office of single family housing. General acceptance criteria property eligibility and non residential use of property. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures. Federal housing administration fha loans must meet safety.

The appraiser must observe the interiors of all attic spaces. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. However an fha inspection is highly recommended. 12 attic and crawl space inspection requirements.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. What is an fha inspection and appraisal. Inspection the attic must be examined whether access is by pull down stairway or scuttle. 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.

Head and shoulders is the alternate to a full inspection. At a minimum the appraiser must enter head and shoulders into the attic. To a full inspection. This is to make sure the home is worth the selling price.

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