Fha And Mold Attic

Possible fha concerns water stains on ceilings.

Fha and mold attic.

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. Anytime mold is found. 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 issue like the presence of mold comes up in the appraisal process the local health authority and its rules would have an important say on what happens next.

In the vast majority of cases the mold growth is caused by condensation. 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. Popular fha topics include credit requirements fha loan limits mortgage insurance premiums closing costs and many more. This occurs when the temperature of the sheathing drops below the dew point creating a thin layer of moisture on the substrate.

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. 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. The most common cause of attic mold by far is blocked or insufficient ventilation of the attic space. In a attic we recommend you call a professional to have it inspected.

If an fha appraiser recommends mold abatement as a condition for approving the home for an fha mortgage that abatement must occur. August 16 2017 at 2 03 pm. 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. Mold on attic sheathing mold growth on attic roof sheathing is a common issue in cool climates such as the pacific northwest.

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. Fha regulations defer to federal state or local authority where applicable. 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. The fha and hud do not regulate or control guidelines and standards for health issues related to mold.