Fha Attic Mold

Fha appraisers are required to observe the attic area.

Fha attic mold.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. In a attic we recommend you call a professional to have it inspected. Mold in a crawl space below your house could contribute mold spores to interior air which is no guarantee of a health hazard but simply a statement of fact. Anytime mold is found.

The appraiser must observe the interiors of all attic spaces. Possible fha concern when you see this much chipping paint with no water stains it generally means that the ceiling was painted without putting primer on first. We breathe the air that is below our house. Federal housing administration fha loans must meet safety security and soundness standards which includes areas like roofs electrical water heaters and property access among others.

However the 6 appraiser is the on site representative for the mortgagee and provides preliminary verification 7 that the property acceptability criteria have been met. If mold is present and detected by the fha appraiser it s safe to assume that in such cases the appraiser would consider recommending corrections repairs to fix the problem. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Is an attic inspection required for fha.

Possible fha concerns water stains on ceilings. However fha appraisers are not mold experts if a home passes the appraisal that is no guarantee that the property is free of mold or other issues. At a minimum the appraiser must enter head and shoulders into the attic. Mortgagees bear primary responsibility for determining eligibility.

Or depending on the approval of the fha or the lender there must be proof that funds have been escrowed and a contact for that work to take place at a specific time. 4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Fha loan rules address environmental issues in general and it s safe to assume that mold issues are part of those general guidelines as the presence of mold can affect the resale of the property within the term of the loan where applicable.

If the fha appraiser finds that the mold overgrowth is dangerous you might be required to. Large overgrowths of mold and mold in unusual locations are especially likely to lower a home s value. Logically mold in the attic is not likely an indoor air quality issue due to the stack effect.