Does Fha Require Inspection Of Attic

But they strongly encourage it.

Does fha require inspection of attic.

It is hud that establishes all rules and guidelines for this program. Head and shoulders is the alternateto a full inspection. If the inspection reveals the need for roof repairs and the. The appraiser must observe the interiors of all attic spaces.

The appraiser must inspect the attic for evidence of possible roof problems. 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 guidance in this faq is effective for case numbers assigned on or after september 14 2015. However hud fha does not have a real definition of attic in their documentation.

So let me start by giving you the simple answer. Is an attic inspection required for fha. Fha has always had a requirement for appraisers to inspect attics. Fha does not require a home inspection.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. At a minimum the appraiser must enter head and shoulders into the attic. 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. 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.

Fha appraisers are required to observe the attic area. Hud does not require fha borrowers to have a home inspection. It s what makes the fha appraisal process unique. This has led to much frustration and confusion on the part of buyers and sellers alike.

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. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety. This is the double duty mentioned earlier.

The roof cannot have more than three layers of roofing. So the primary difference between fha and regular appraisals is the level of inspection that is required by hud. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Clarifies that fha requires an inspection.

Unfortunately there is a lot of misinformation online regarding fha appraisal and inspection requirements.