Fha And Mold Attic

The most common cause of attic mold by far is blocked or insufficient ventilation of the attic space.

Fha and mold attic.

The authors have written thousands of blogs specific to fha mortgages and the site has substantially increased readership over the years and has become known for its fha news and views. Popular fha topics include credit requirements fha loan limits mortgage insurance premiums closing costs and many more. Fha regulations defer to federal state or local authority where applicable. In the vast majority of cases the mold growth is caused by condensation.

If mold is present and detected by the fha appraiser it s safe to assume that in such cases the appraiser would consider recommending corrections repairs to fix the problem. 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. If an fha appraiser recommends mold abatement as a condition for approving the home for an fha mortgage that abatement must occur. Possible fha concern mold on the attic sheathing.

Inside the house 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. This occurs when the temperature of the sheathing drops below the dew point creating a thin layer of moisture on the substrate. Attics usually have a passive ventilation system in which outside air comes in through the soffit eave vents at the bottom warms up in the attic and escapes through the can or ridge vents at the top because hot air rises. Or depending on the approval of the fha or the lender there must be proof that funds have been escrowed and a contact for that work to take place at a specific time.

Mold on attic sheathing mold growth on attic roof sheathing is a common issue in cool climates such as the pacific northwest. Fha loan rules address environmental issues in general and it s safe to assume that mold issues are part of those general guidelines as the presence. However fha appraisers are not mold experts if a home passes the appraisal that is no guarantee that the property is free of mold or other issues. The fha and hud do not regulate or control guidelines and standards for health issues related to mold.

Possible fha concerns water stains on ceilings. There is nothing in fha guidelines that prohibits attics and basements from having bathrooms as long as it is built to within city building code and is safe and sound. In a attic we recommend you call a professional to have it inspected. Anytime mold is found.