Does Fha Require Inspection Of Attic

Fha has always had a requirement for appraisers to inspect attics.

Does fha require inspection of attic.

Fha does not require a home inspection. However hud fha does not have a real definition of attic in their documentation. It is hud that establishes all rules and guidelines for this program. That means it must be worth the purchase price and have such basics as electricity drinkable water adequate heat a stable roof fire exits and more.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what was observed and based on this whether the appraiser recommends further inspection. The appraiser must inspect the attic for evidence of possible roof problems. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety.

This is the double duty mentioned earlier. At a minimum the appraiser must enter head and shoulders into the attic. As most realtors know when your customer is purchasing a home and going with a fha mortgage there must at least one mandatory fha inspection that must be completed by the lender prior to the closing. So the primary difference between fha and regular appraisals is the level of inspection that is required by hud.

Fha does not require a home inspection just an appraisal. But they strongly encourage it. The fha loan program is managed by the department of housing and urban development hud. Clarifies that fha requires an inspection.

Head and shoulders is the alternateto a full inspection. This has led to much frustration and confusion on the part of buyers and sellers alike. Fha appraisers are required to observe the attic area. So let me start by giving you the simple answer.

For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. If the inspection reveals the need for roof repairs and the. Unfortunately there is a lot of misinformation online regarding fha appraisal and inspection requirements. Is an attic inspection required for fha.

Hud does not require fha borrowers to have a home inspection. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. The roof cannot have more than three layers of roofing. Because there is no definition of attic assumptions have been made by fha and appraisers that the attic includes any space above the ceiling and below the roof inside dwellings despite that space in modern design homes typically not having any flooring.

It s what makes the fha appraisal process unique.