Fha Appraisal Attic Inspection

For an fha loan the u s.

Fha appraisal attic inspection.

Fha appraisers fha has always had a requirement for appraisers to inspect attics. Fha appraisers are required to observe the attic area. An fha inspection is conducted by a licensed hud approved property appraiser. The appraiser must inspect the attic for evidence of possible roof problems.

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. The roof cannot have more than three layers of roofing. It s what makes the fha appraisal process unique. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

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. However hud fha does not have a real definition of attic in their documentation. At a minimum the appraiser must enter head and shoulders into the attic. In order to pass inspection the home must meet minimum safety security and soundness standards.

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