Fha Appraisal Attic Photo

Head and shoulders is the alternate to a full inspection.

Fha appraisal attic photo.

If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what. Fha does not hold the appraiser to the level of inspection as a home inspector but it does not say just a head and shoulders inspection with photos is adequate. Take photos of the property to be included within the loan file. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

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. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. The appraiser must observe the interiors of all attic spaces.

Is an attic inspection required for fha. Fha hud requirement of 30 years. 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. And fha appraisal are very similar to appraisals performed for other lenders.

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. At a minimum the appraiser must enter head and shoulders into the attic. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

That is what we have been doing and the new standards of observe and report are different than what we have been doing. Photo requirements include photos of subject property. Take a photo of each comparable sale transaction that is being used to support the appraisal. Fha appraisers are required to observe the attic area.

Front back left right sides of the property. Manufactured home appraisal report fannie mae form 1004c march 2005 required to report an appraisal of a one unit manufactured home. 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. O attic and or crawl space when present.

Please make sure to include both appraisal license and e o insurance copies. Fha is black and white on many issues but other times appraisers simply need to use good judgment. Head shoulders.