Fha Attic Inspection Requirements

Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective.

Fha attic inspection requirements.

To a full inspection. However an fha inspection is highly recommended. Cost and income approach for value. A home inspection is not required for a home loan.

The appraisal the lender receives is enough to show the property meets the fha requirements. The appraiser must observe the interiors of all attic spaces. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures.

This is to make sure the home is worth the selling price. For an fha loan the u s. Attic and crawl space inspection 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.

At a minimum the appraiser must enter head and shoulders into the attic. Head and shoulders is the alternate to a full inspection. General acceptance criteria property eligibility and non residential use of property. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

What is an fha inspection and appraisal. Clarifying that fha requires an inspection. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Fha appraisers are required to observe the attic area.

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. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what. 12 attic and crawl space inspection requirements.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. All appropriate approaches must be utilized when applicable. Is an attic inspection required for fha. Head and shoulders is the.

Fha s office of single family housing. Clarifying that fha requires an inspection.