Fha Appraisal Attic Access

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements.

Fha appraisal attic access. Similar to conventional home loans fha loans feature fha appraisal requirements mandated by the hud. 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. Mortgagees bear primary responsibility for determining eligibility. Overview of fha appraisal guidelines for 2020.

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. Inspection the attic must be examined whether access is by pull down stairway or scuttle. If there is evidence of a deficient condition such as a water stained ceiling insufficient ventilation or smell of mold the appraiser must report this condition and render the appraisal subject to inspection and repairs if necessary. If you re trying to buy a house using an fha loan your fha lender will typically require an appraisal to validate the value of the home.

4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. Visually inspect the subject property both inside and out. According to the 2020 fha appraisal guidelines all properties being purchased with an fha insured mortgage loan must be appraised by a licensed hud approved home appraiser. At a minimum the appraiser must complete the following steps.

He told us we needed to install an access from inside the home. In cases where access through a scuttle is limited and the appraiser cannot fully enter the crawl space the insertion of at least the head and shoulders of the appraiser will suffice no where does it state the appraiser in his professional dressed clothing must crawl through the attic or the crawl space. The appraiser doing an fha appraisal told us that he cannot access the attic from the outside of the home only the inside and he can only use a maximum of a 4 ladder to access it. 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.

We cover those requirements and how they compare to conventional appraisals. Fha appraisers are required to observe the attic area. A graded roof is not inspected. The fha appraiser will look at the attic ceiling for signs that a graded roof leaks.

When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.