Is Fha Appraiser Required To Look In The Attic

The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

Is fha appraiser required to look in the attic. 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. Department of housing and urban development hud requires this plus an inspection of the home s condition in order to pass inspection the home must meet minimum safety. At a minimum the appraiser must enter head and shoulders into the attic. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

However hud fha does not have a real definition of attic in their documentation. This is to make sure the home is worth the selling price. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. What is an fha inspection and appraisal.

Typically a mortgage lender requires an appraisal of the true value of the home to be purchased. The appraiser must observe the interiors of all attic spaces. For an fha loan the u s. Is an attic inspection required for fha.

The fha appraiser will look at all of the major components of the home including some appliances such as refrigerators and microwaves the attic the basement and the home s heating and air. Fha has always had a requirement for appraisers to inspect attics. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. The appraiser must observe the interiors of all attic spaces.