Does Fha Require Inspection Of Attic

The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

Does fha require inspection of attic.

Head and shoulders is the alternateto a full inspection. It is hud that establishes all rules and guidelines for this program. So let me start by giving you the simple answer. This is the double duty mentioned earlier.

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. But they strongly encourage it. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Fha does not require a home inspection just an appraisal.

The appraiser must inspect the attic for evidence of possible roof problems. Fha appraisers are required to observe the attic area. However hud fha does not have a real definition of attic in their documentation. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. 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. Is an attic inspection required for fha.

Unfortunately there is a lot of misinformation online regarding fha appraisal and inspection requirements. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety. 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. At a minimum the appraiser must enter head and shoulders into the attic. This has led to much frustration and confusion on the part of buyers and sellers alike. Hud does not require fha borrowers to have a home inspection.

Fha does not require a home inspection. Clarifies that fha requires an inspection. If the inspection reveals the need for roof repairs and the. So the primary difference between fha and regular appraisals is the level of inspection that is required by hud.

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