Does Fha Require Inspection Of Attic

The appraiser must observe the interiors of all attic spaces.

Does fha require inspection of attic.

As most realtors know when your customer is purchasing a home and going with a fha mortgage there must at least one mandatory fha inspection that must be completed by the lender prior to the closing. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. This is the double duty mentioned earlier. Fha does not require a home inspection just an appraisal.

The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Because there is no definition of attic assumptions have been made by fha and appraisers that the attic includes any space above the ceiling and below the roof inside dwellings despite that space in modern design homes typically not having any flooring. This has led to much frustration and confusion on the part of buyers and sellers alike. It s what makes the fha appraisal process unique.

Fha appraisers are required to observe the attic area. Fha has always had a requirement for appraisers to inspect attics. At a minimum the appraiser must enter head and shoulders into the attic. If the inspection reveals the need for roof repairs and the.

Clarifies that fha requires an inspection. Is an attic inspection required for fha. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what was observed and based on this whether the appraiser recommends further inspection. That means it must be worth the purchase price and have such basics as electricity drinkable water adequate heat a stable roof fire exits and more.

So the primary difference between fha and regular appraisals is the level of inspection that is required by hud. Head and shoulders is the alternateto a full inspection. But they strongly encourage it. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.

The fha loan program is managed by the department of housing and urban development hud. The appraiser must inspect the attic for evidence of possible roof problems. Unfortunately there is a lot of misinformation online regarding fha appraisal and inspection requirements. The roof cannot have more than three layers of roofing.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. Fha does not require a home inspection. It is hud that establishes all rules and guidelines for this program. However hud fha does not have a real definition of attic in their documentation.

But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety.