Fha Attic Inspection Requirements

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

Fha attic inspection requirements.

Ensuring that mixed use properties comply with zoning. 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. 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.

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. Cost and income approach for value. The roof cannot have more than three layers of roofing. However hud fha does not have a real definition of attic in their documentation.

General acceptance criteria property eligibility and non residential use of property. All appropriate approaches must be utilized when applicable. A property s consideration for an fha loan guarantee requires a property inspection that rates the home s livability livability is defined as meeting minimum standards for the health and safety. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home.

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. If the inspection reveals the need for roof. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. Inspectors check the plumbing for running hot water any leaks and issues.

Roofs and attics the roofing must keep moisture out. The roofing must be expected to last for at least two more years. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. The appraiser must inspect the attic for evidence of possible roof problems.

Fha appraisers are required to observe the attic area. Attic and crawl space inspection requirements. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Clarifying that fha requires an inspection.