Fha Attic Requirements

4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage.

Fha attic requirements.

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. Cost and income approach for value. The roof cannot have more than three layers of roofing. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair.

Attic and crawl space inspection requirements. Roofs and attics the roofing must keep moisture out. Fha has always had a requirement for appraisers to inspect attics. Mortgagees bear primary responsibility for determining eligibility.

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. However hud fha does not have a real definition of attic in their documentation. Clarifying that fha requires an inspection. The appraiser must inspect the attic for evidence of possible roof problems.

Fha does not have a specific requirement for insulation. Always have a balanced ventilation system. But that s not all the fha also requires a minimum amount of durability. All appropriate approaches must be utilized when applicable.

The roof should have a remaining physical life of at least two years. The house must beek building code so this may be where the hang up is. If you use an fha loan to buy a house the property will have to be appraised and inspected by a hud approved home appraiser. For large volume attics such as where roof slopes are greater than 8 12 designers also should consider increasing.

Regarding attic ventilation nrca recommends designers provide at least 1 square foot of nfva for every 150 square feet of attic space 1 150 ventilation ratio measured at the attic floor level ceiling. If the inspection reveals the need for roof. Federal housing authority recommends a minimum of at least 1 square foot of attic ventilation evenly split between intake and exhaust for every 300 square feet of attic floor space. 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.

Ensuring that mixed use properties comply with zoning. The covering must prevent moisture from entering and provide reasonable future utility durability and economy.