Attic Inspection For Fha

Ensure all appliances are operational.

Attic inspection for fha.

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. This is to make sure the home is worth the selling price. 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. Fha s office of single family housing.

Handbook 4000 1 all fha approved mortgagees. Fully access the attic space if able to do so. 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. At a minimum the appraiser must enter head and shoulders into the attic.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. The department of housing and urban development hud requires him to determine the current market value as with any appraisal.

To a full inspection. For an fha loan the u s. Is an attic inspection required for fha. These include many health and safety inspections.

Head and shoulders is the. The appraiser must observe the interiors of all attic spaces. General acceptance criteria property eligibility and non residential use of property. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

Department of housing and urban development washington dc 20410 8000 assistant secretary for housing federal housing commissioner special attention of. Clarifying that fha requires an inspection. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Clarifying that fha requires an inspection.

Fha appraisers are now required to. Ensuring that mixed use properties comply with zoning. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety. All appropriate approaches must be utilized when applicable.

Federal housing administration fha loans must meet safety. What is an fha inspection and appraisal. 12 attic and crawl space inspection requirements. Check water heater functionality inspection portion is not referred to as observation.

Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. When an fha loan is being used the appraiser has two objectives. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Cost and income approach for value.