Attic Inspection For Fha

Typically a mortgage lender requires an appraisal of the true value of the home to be purchased.

Attic inspection for fha.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation. 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.

The appraiser must observe the interiors of all attic spaces. At a minimum the appraiser must enter head and shoulders into the attic. Cost and income approach for value. Head and shoulders is the.

For an fha loan the u s. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Attic and crawl space inspection requirements. Clarifying that fha requires an inspection.

12 attic and crawl space inspection requirements. Is an attic inspection required for fha. Fully access the attic space if able to do so. Handbook 4000 1 all fha approved mortgagees.

Clarifying that fha requires an inspection. Ensuring that mixed use properties comply with zoning. 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. When an fha loan is being used the appraiser has two objectives.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. This is to make sure the home is worth the selling price. Fha s office of single family housing. General acceptance criteria property eligibility and non residential use of property.

Federal housing administration fha loans must meet safety. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Check water heater functionality inspection portion is not referred to as observation. Ensure all appliances are operational.

These include many health and safety inspections. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. 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. The department of housing and urban development hud requires him to determine the current market value as with any appraisal.

All appropriate approaches must be utilized when applicable. Fha appraisers are required to observe the attic area. Fha appraisers are now required to. What is an fha inspection and appraisal.