No Access To Attic Fha

Access is defined as ability to visually examine all areas the crawl space.

No access to attic fha.

If no access can be gained to an attic due to their being no scuttle the appraiser will report the lack of accessibility to the attic. In cases where access through a scuttle is limited and the appraiser cannot fully enter the crawl space the insertion of at least the head and shoulders of the appraiser will suffice no where does it state the appraiser in his professional dressed clothing must crawl through the attic or the crawl space. Specifically the minimum distance is 18 inches. Crawl spaces need to be free of debris like the one in the picture here.

The property us a duplex and the seller says it s closed off because the other half of the house has the attic access. Fha s office of single family housing 22 continued from previous page the appraiser must be able to access the crawl space for inspection. The federal housing administration fha published mortgagee letter ml 2020 27 extension of foreclosure and eviction moratorium in connection with the presidentially declared covid 19 national emergency. Do raisers really have to inspect the attic for an fha loan.

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. The roof on the house was replaced in 2013. August 31 2020 by zamira leave a comment. Cardboard attic baffles j r s inc getting an fha loan understand the energy programs homeersright2know gaf ventilation calculator fha raisals the crawl e.

There us no access to the attic because it has been turned into a closet. Fha s foreclosure and eviction moratorium extended through december 31 2020. This ml announces a third extension of the foreclosure and. If there is no access to the crawlspace but there is.

Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements. When observing the crawl space the. This appraisal post is going to address the attic observation and reporting requirements for an fha appraisal. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.

Fha appraisers are required to observe the attic area. The appraiser must observe the interiors of all attic spaces. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. At a minimum the appraiser must enter head and shoulders into the attic.

355444 please note that this access code has changed from the code published in fha s online article on march 18 2015 attendees should thoroughly review the content referenced above and have access to this information during the call. I m awaiting an fha appraisal on a house we are looking to purchase. Inspection the attic must be examined whether access is by pull down stairway or scuttle.