Fha Appraisal Attic Photo

Take photos of the property to be included within the loan file.

Fha appraisal attic photo.

Front back left right sides of the property. The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. 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. The appraiser must observe the interiors of all attic spaces.

Fha appraisers are required to observe the attic area. Manufactured home appraisal report fannie mae form 1004c march 2005 required to report an appraisal of a one unit manufactured home. Fha hud requirement of 30 years. O attic and or crawl space when present.

The guidance in this faq is effective for case numbers assigned on or after september 14 2015. 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. Head and shoulders is the alternate to a full inspection. Fha requires that the appraiser observe the attic for evidence of needed repairs and non compliance with fha property eligibility requirements.

If unable to observe the entire attic or crawl space area the appraiser must report the scope of the observation what. Is an attic inspection required for fha. 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. Photo requirements include photos of subject property.

Fha s office of single family housing training module attic and crawl space inspection requirements clarifies that fha requires an inspection. 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. Please make sure to include both appraisal license and e o insurance copies. And fha appraisal are very similar to appraisals performed for other lenders.

That is what we have been doing and the new standards of observe and report are different than what we have been doing. Fha is black and white on many issues but other times appraisers simply need to use good judgment. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Take a photo of each comparable sale transaction that is being used to support the appraisal.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. 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. At a minimum the appraiser must enter head and shoulders into the attic.