Fha Attic Mold

Mold in a crawl space below your house could contribute mold spores to interior air which is no guarantee of a health hazard but simply a statement of fact.

Fha attic mold.

Possible fha concerns water stains on ceilings. If an fha appraiser recommends mold abatement as a condition for approving the home for an fha mortgage that abatement must occur. Fha appraisers are required to observe the attic area. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

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. 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. At a minimum the appraiser must enter head and shoulders into the attic. Is an attic inspection required for fha.

If the fha appraiser finds that the mold overgrowth is dangerous you might be required to. Possible fha concern when you see this much chipping paint with no water stains it generally means that the ceiling was painted without putting primer on first. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. 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.

4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. Inspection the attic must be examined whether access is by pull down stairway or scuttle. The appraiser must observe the interiors of all attic spaces. Anytime mold is found.

Mortgagees bear primary responsibility for determining eligibility. Possible fha concern mold on the attic sheathing. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Large overgrowths of mold and mold in unusual locations are especially likely to lower a home s value.

In a attic we recommend you call a professional to have it inspected. We breathe the air that is below our house. 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 of mold can affect the resale of the property within the term of the loan where applicable.