The guidance in this faq is effective for case numbers assigned on or after september 14 2015.
Fha attic mold.
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.
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.
The appraiser must observe the interiors of all attic spaces.
In a attic we recommend you call a professional to have it inspected.
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.
Fha appraisers are required to observe the attic area.
We breathe the air that is below our house.
The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.
When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.
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.
Inspection the attic must be examined whether access is by pull down stairway or scuttle.
Possible fha concern mold on the attic sheathing.
Logically mold in the attic is not likely an indoor air quality issue due to the stack effect.
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.
Is an attic inspection required for fha.
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.
Large overgrowths of mold and mold in unusual locations are especially likely to lower a home s value.
Mortgagees bear primary responsibility for determining eligibility.
If the fha appraiser finds that the mold overgrowth is dangerous you might be required to.
4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage.
Anytime mold is found.
If an fha appraiser recommends mold abatement as a condition for approving the home for an fha mortgage that abatement must occur.
