Fha Attic Requirements

The house must beek building code so this may be where the hang up is.

Fha attic requirements.

4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. If you use an fha loan to buy a house the property will have to be appraised and inspected by a hud approved home appraiser. For large volume attics such as where roof slopes are greater than 8 12 designers also should consider increasing.

This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. The covering must prevent moisture from entering and provide reasonable future utility durability and economy. All appropriate approaches must be utilized when applicable. The appraiser must inspect the attic for evidence of possible roof problems.

If the inspection reveals the need for roof. Fha has always had a requirement for appraisers to inspect attics. Always have a balanced ventilation system. However hud fha does not have a real definition of attic in their documentation.

Mortgagees bear primary responsibility for determining eligibility. 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. General acceptance criteria property eligibility and non residential use of property. Roofs and attics the roofing must keep moisture out.

Fha does not have a specific requirement for insulation. The roof should have a remaining physical life of at least two years. The appraiser is required to report what they see and if they reported that the home did not have insulation then the lender probably made this a requirement to get the loan. The roof cannot have more than three layers of roofing.

But that s not all the fha also requires a minimum amount of durability. Attic and crawl space inspection requirements. Ensuring that mixed use properties comply with zoning. However the 6 appraiser is the on site representative for the mortgagee and provides preliminary verification 7 that the property acceptability criteria have been met.

Cost and income approach for value. The roofing must be expected to last for at least two more years.