Attic Inspection For Fha

Head and shoulders is the.

Attic inspection for fha.

Handbook 4000 1 all fha approved mortgagees. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation. Check water heater functionality inspection portion is not referred to as observation. 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.

The department of housing and urban development hud requires him to determine the current market value as with any appraisal. When an fha loan is being used the appraiser has two objectives. Fha appraisers are now required to. All appropriate approaches must be utilized when applicable.

Ensuring that mixed use properties comply with zoning. 12 attic and crawl space inspection requirements. Fha s office of single family housing. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.

Federal housing administration fha loans must meet safety. Fha appraisers are required to observe the attic area. 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.

Fully access the attic space if able to do so. For an fha loan the u s. These revisions must be meet to qualify for fha financing. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety.

At a minimum the appraiser must enter head and shoulders into the attic. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. This is to make sure the home is worth the selling price. Is an attic inspection required for fha.

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

To a full inspection. These include many health and safety inspections. What is an fha inspection and appraisal. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Ensure all appliances are operational. 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.