Fha Attic Inspection Requirements

What is an fha inspection and appraisal.

Fha attic inspection requirements.

All appropriate approaches must be utilized when applicable. 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. General acceptance criteria property eligibility and non residential use of property.

To a full inspection. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what. Head and shoulders is the. The appraisal does not check certain health and safety features such as operating ceiling fans or light fixtures.

However an fha inspection is highly recommended. 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. Ensuring that mixed use properties comply with zoning.

This is to make sure the home is worth the selling price. Cost and income approach for value. A home inspection is not required for a home loan. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. The appraisal the lender receives is enough to show the property meets the fha requirements. Attic and crawl space inspection requirements.

Head and shoulders is the alternate to a full inspection. Fha attic observation requirements will not change on september 14 2015 when the 4000 1 handbook becomes effective. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Clarifying that fha requires an inspection.

Federal housing administration fha loans must meet safety. At a minimum the appraiser must enter head and shoulders into the attic. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. 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. 12 attic and crawl space inspection requirements. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Is an attic inspection required for fha.

Fha s office of single family housing. For an fha loan the u s.