Is Fha Appraiser Required To Look In The Attic

This appraisal post is going to address the attic observation and reporting requirements for an fha appraisal.

Is fha appraiser required to look in the attic.

The appraiser must observe the interiors of all attic spaces. Is an attic inspection required for fha. Inspection the attic must be examined whether access is by pull down stairway or scuttle. 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 heating and air.

This is to make sure the home is worth the selling price. However hud fha does not have a real definition of attic in their documentation. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Department of housing and urban development hud requires this plus an inspection of the home s condition in order to pass inspection the home must meet minimum safety.

At a minimum the appraiser must enter head and shoulders into the attic. The appraiser must observe the interiors of all attic spaces. For an fha loan the u s. Fha has always had a requirement for appraisers to inspect attics.

What is an fha inspection and appraisal. Because there is no definition of attic assumptions have been made by fha and appraisers that the attic includes any space above the ceiling and below the roof inside dwellings despite that space in modern design homes typically not having any flooring. The guidance in this faq is effective for case numbers assigned on or after september 14 2015. Typically a mortgage lender requires an appraisal of the true value of the home to be purchased.