No Attic Access Fha

July 20 2018 by zamira leave a comment.

No attic access fha.

Fha appraisers are required to observe the attic area. Do raisers really have to inspect the attic for an fha loan. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Fha friday attic inspections riverfront raisals.

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. 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. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. The appraiser must observe the interiors of all attic spaces.

Fha s foreclosure and eviction moratorium extended through december 31 2020. If you can fit through the crawlspace door you must crawl the crawl space and inspect it all. This ml announces a third extension of the foreclosure and. At a minimum the appraiser must enter head and shoulders into the attic.

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 appraiser doing an fha appraisal told us that he cannot access the attic from the outside of the home only the inside and he can only use a maximum of a 4 ladder to access it. Crawl spaces need to be free of debris like the one in the picture here. This appraisal post is going to address the attic observation and reporting requirements for an fha appraisal.

There is no fha requirement to cut open walls ceilings or floors to make the attic accessible. Inspection the attic must be examined whether access is by pull down stairway or scuttle. Posted on facebook reportedly from fha employees. Fha no access to attic.

Must inspect all the attic if there is access even if there is no flooring.