Fha Attic Inspection Requirements

Clarifying that fha requires an inspection.

Fha attic inspection requirements.

The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what. Ensuring that mixed use properties comply with zoning. All appropriate approaches must be utilized when applicable.

Attic and crawl space inspection requirements. Inspection the attic must be examined whether access is by pull down stairway or scuttle. At a minimum the appraiser must enter head and shoulders into the attic. Is an attic inspection required for fha.

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. Clarifying that fha requires an inspection. However an fha inspection is highly recommended. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Fha appraisers are required to observe the attic area. Head and shoulders is the. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. The appraisal the lender receives is enough to show the property meets the fha requirements. Fha s office of single family housing. Cost and income approach for value.

The appraiser must observe the interiors of all attic spaces. 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. A home inspection is not required for a home loan. 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. 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. Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. Federal housing administration fha loans must meet safety.

General acceptance criteria property eligibility and non residential use of property. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. 12 attic and crawl space inspection requirements. For an fha loan the u s.

Head and shoulders is the alternate to a full inspection. To a full inspection.