Fha Attic Inspection Requirements

Head and shoulders is the alternate to a full inspection.

Fha attic inspection requirements.

General acceptance criteria property eligibility and non residential use of property. 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. Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies 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 what. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures. Is an attic inspection required for fha.

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. 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. Attic and crawl space inspection requirements.

Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. Ensuring that mixed use properties comply with zoning. Fha s office of single family housing. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

At a minimum the appraiser must enter head and shoulders into the attic. However an fha inspection is highly recommended. This is to make sure the home is worth the selling price. 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.

Cost and income approach for value. The appraiser must observe the interiors of all attic spaces. Federal housing administration fha loans must meet safety. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. All appropriate approaches must be utilized when applicable. The appraisal the lender receives is enough to show the property meets the fha requirements. 12 attic and crawl space inspection requirements.

To a full inspection. Clarifying that fha requires an inspection. Fha appraisers are required to observe the attic area. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Head and shoulders is the. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.