Does Fha Require Inspection Of Attic

Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Does fha require inspection of attic.

It s what makes the fha appraisal process unique. 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. Fha appraisers are required to observe the attic area. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

The appraiser must inspect the attic for evidence of possible roof problems. So let me start by giving you the simple answer. If the inspection reveals the need for roof repairs and the. This is the double duty mentioned earlier.

This has led to much frustration and confusion on the part of buyers and sellers alike. Is an attic inspection required for fha. It is hud that establishes all rules and guidelines for this program. Unfortunately there is a lot of misinformation online regarding fha appraisal and inspection requirements.

Clarifies that fha requires an inspection. The appraiser must observe the interiors of all attic spaces. Fha does not require a home inspection. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety.

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. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal.

Head and shoulders is the alternateto a full inspection. But they strongly encourage it. 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. At a minimum the appraiser must enter head and shoulders into the attic.

Fha does not require a home inspection just an appraisal. The roof cannot have more than three layers of roofing. The fha loan program is managed by the department of housing and urban development hud. Hud does not require fha borrowers to have a home inspection.

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