Fha Appraisal Attic Photo

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements.

Fha appraisal attic photo.

The guidance in this faq is effective for case numbers assigned on or after september 14 2015. O attic and or crawl space when present. Head and shoulders is the alternate to a full inspection. Fha hud requirement of 30 years.

Fha does not hold the appraiser to the level of inspection as a home inspector but it does not say just a head and shoulders inspection with photos is adequate. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Inspection the attic must be examined whether access is by pull down stairway or scuttle. The photos must show the sides front and rear of the home as well as any value adding improvements such as a pool or patio.

Fha appraisers are required to observe the attic area. If the appraiser cannot observe the entire attic a head and shoulders observation along with an explanation from the appraiser regarding why the entire attic could not be observed is sufficient. Head shoulders. Addition to your original photo.

Manufactured home appraisal report fannie mae form 1004c march 2005 required to report an appraisal of a one unit manufactured home. Is an attic inspection required for fha. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what.

In addition to commenting in the comment addendum of the appraisal the appraiser should include a picture of the obstructed entrance to the attic as verification that the appraiser could not see in the attic. Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. Please make sure to include both appraisal license and e o insurance copies. At a minimum the appraiser must enter head and shoulders into the attic.

Fha is black and white on many issues but other times appraisers simply need to use good judgment. Take photos of the property to be included within the loan file. That is what we have been doing and the new standards of observe and report are different than what we have been doing. Front back left right sides of the property.

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. And fha appraisal are very similar to appraisals performed for other lenders. Uniform residential appraisal report fannie mae form 1004 march 2005 required to report an appraisal of a one unit property or a one unit property with an accessory unit.