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.

Head and shoulders is the alternate to a full inspection. 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. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures.

Cost and income approach for value. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. A home inspection is not required for a home loan.

Clarifying that fha requires an inspection. What is an fha inspection and appraisal. Federal housing administration fha loans must meet safety. To a full inspection.

Fha s office of single family housing. General acceptance criteria property eligibility and non residential use of property. However an fha inspection is highly recommended. Is an attic inspection required for fha.

Fha appraisers are required to observe the attic area. The appraiser must observe the interiors of all attic spaces. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Head and shoulders is the.

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. At a minimum the appraiser must enter head and shoulders into the attic. The appraisal the lender receives is enough to show the property meets the fha requirements. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what.

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. Clarifying that fha requires an inspection. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. 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.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. For an fha loan the u s. Attic and crawl space inspection requirements. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased.

This is to make sure the home is worth the selling price. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.