Fha Appraisal Attic Inspection

Inspection the attic must be examined whether access is by pull down stairway or scuttle.

Fha appraisal attic inspection.

It s what makes the fha appraisal process unique. Fha appraisers fha has always had a requirement for appraisers to inspect attics. The roof cannot have more than three layers of roofing. Fha appraisers are required to observe the attic area.

Department of housing and urban development hud requires this plus an inspection of the home s condition. If the hud approved appraiser flags certain issues such as peeling paint loose handrails or other safety issues those issues must be corrected before the loan will be funded. If the inspection reveals the need for roof repairs and the. In order to pass inspection the home must meet minimum safety security and soundness standards.

So the primary difference between fha and regular appraisals is the level of inspection that is required by hud. At a minimum the appraiser must enter head and shoulders into the attic. However hud fha does not have a real definition of attic in their documentation. There are things any appraiser will call out in an fha appraisal but there are times when appraisers have to consider how the spirit of fha might apply in a situation.

Fha is black and white on many issues but other times appraisers simply need to use good judgment.