Fha Appraisal Attic Photo

Addition to your original photo.

Fha appraisal attic photo.

At a minimum the appraiser must enter head and shoulders into the attic. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. If the appraiser cannot observe the entire attic a head and shoulders observation along with an explanation from the appraiser regarding why the entire attic could not be observed is sufficient. The photos must show the sides front and rear of the home as well as any value adding improvements such as a pool or patio.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Please make sure to include both appraisal license and e o insurance copies. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what. Fha is black and white on many issues but other times appraisers simply need to use good judgment.

The guidance in this faq is effective for case numbers assigned on or after september 14 2015. There are things any appraiser will call out in an fha appraisal but there are times when appraisers have to consider how the spirit of fha might apply in a situation. And fha appraisal are very similar to appraisals performed for other lenders. Is an attic inspection required for fha.

Fha hud requirement of 30 years. O attic and or crawl space when present. Front back left right sides of the property. The appraiser must observe the interiors of all attic spaces.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. Take a photo of each comparable sale transaction that is being used to support the appraisal. Manufactured home appraisal report fannie mae form 1004c march 2005 required to report an appraisal of a one unit manufactured home. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection.

That is what we have been doing and the new standards of observe and report are different than what we have been doing. In addition to commenting in the comment addendum of the appraisal the appraiser should include a picture of the obstructed entrance to the attic as verification that the appraiser could not see in the attic. Photo requirements include photos of subject property. Uniform residential appraisal report fannie mae form 1004 march 2005 required to report an appraisal of a one unit property or a one unit property with an accessory unit.

Head and shoulders is the alternate to a full inspection. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. Take photos of the property to be included within the loan file.