Fha Attic Inspection Requirements

To a full inspection.

Fha attic inspection requirements.

Fha s office of single family housing. This is to make sure the home is worth the selling price. A home inspection is not required for a home loan. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what.

General acceptance criteria property eligibility and non residential use of property. Federal housing administration fha loans must meet safety. 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. Head and shoulders is the alternate to a full inspection.

However an fha inspection is highly recommended. Is an attic inspection required for fha. Clarifying that fha requires an inspection. 12 attic and crawl space inspection requirements.

Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. What is an fha inspection and appraisal. 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. Fha appraisers are required to observe the attic area.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. At a minimum the appraiser must enter head and shoulders into the attic. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. Cost and income approach for value.

Clarifying that fha requires an inspection. Attic and crawl space inspection requirements. All appropriate approaches must be utilized when applicable. Ensuring that mixed use properties comply with zoning.

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

The appraiser must observe the interiors of all attic spaces. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures. The appraisal the lender receives is enough to show the property meets the fha requirements. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Head and shoulders is the. For an fha loan the u s.