Does Fha Require Inspection Of Attic

It is hud that establishes all rules and guidelines for this program.

Does fha require inspection of attic. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. The fha loan program is managed by the department of housing and urban development hud. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Fha appraisers are required to observe the attic area.

Hud does not require fha borrowers to have a home inspection. So let me start by giving you the simple answer. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. If the inspection reveals the need for roof repairs and the.

Clarifies that fha requires an inspection. 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. 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. But they strongly encourage it.

Fha has always had a requirement for appraisers to inspect attics. This is the double duty mentioned earlier. 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.

This has led to much frustration and confusion on the part of buyers and sellers alike. As most realtors know when your customer is purchasing a home and going with a fha mortgage there must at least one mandatory fha inspection that must be completed by the lender prior to the closing. But they also require a property inspection to make sure the home meets hud s minimum standards for health and safety. Fha does not require a home inspection just an appraisal.

Is an attic inspection required for fha. It s what makes the fha appraisal process unique. Head and shoulders is the alternateto a full inspection. Fha does not require a home inspection.

So the primary difference between fha and regular appraisals is the level of inspection that is required by hud. 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 appraiser must observe the interiors of all attic spaces. Unfortunately there is a lot of misinformation online regarding fha appraisal and inspection requirements.

However hud fha does not have a real definition of attic in their documentation.