Fha Attic Inspection Requirements

Clarifying that fha requires an inspection.

Fha attic inspection requirements.

General acceptance criteria property eligibility and non residential use of property. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. 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. Cost and income approach for value.

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. The roof cannot have more than three layers of roofing. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. Fha appraisers fha has always had a requirement for appraisers to inspect attics.

Attic and crawl space inspection requirements. Fha appraisers are required to observe the attic area. While functioning air conditioning is not required in fha inspections the heat must turn on and be in working condition. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

All appropriate approaches must be utilized when applicable. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. 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. The appraiser must enter the attic and observe the interior roof structure and attic for evidence of leaks water damage structural problems previous fire damage frt sheathing exposed and frayed wiring deficient materials deficient insulation and adequate ventilation by vent fan or window.

Roofs and attics the roofing must keep moisture out. The roofing must be expected to last for at least two more years. At a minimum the appraiser must enter head and shoulders into the attic. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home.

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. 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. Inspectors check the plumbing for running hot water any leaks and issues.