Fha Appraisal Attic Inspection

An fha inspection is conducted by a licensed hud approved property appraiser.

Fha appraisal attic inspection.

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. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Fha appraisers fha has always had a requirement for appraisers to inspect attics.

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. Department of housing and urban development hud requires this plus an inspection of the home s condition. It s what makes the fha appraisal process unique. The roof cannot have more than three layers of roofing.

So the primary difference between fha and regular appraisals is the level of inspection that is required by hud. In order to pass inspection the home must meet minimum safety security and soundness standards. For an fha loan the u s. The appraiser must inspect the attic for evidence of possible roof problems.

At a minimum the appraiser must enter head and shoulders into the attic.