Fha Appraisal Requirements Attic Photo

Mls photos are not a substitute for original photos.

Fha appraisal requirements attic photo.

Pursuant to fha hud requirements report must contain original comparable photos taken by appraiser. The appraiser must select the appropriate appraisal form for reporting an fha appraisal from the following. If you re trying to buy a house using an fha loan your fha lender will typically require an appraisal to validate the value of the home. Intended user must include fha hud.

Appraiser must include property sketch including exterior dimensions of house patios. The appraiser will need to take photos and describe the area in his or her report. Report must state whether or not property conforms to minimum fha hud standards. If the appraisal is subject to repairs or inspection the appraiser must include photos of any noted significant deferred maintenance required repair or items that require inspection photos must be labeled with description details such as subject front main bath mold in middle bath roof damage settlement crack on west wall.

Similar to conventional home loans fha loans feature fha appraisal requirements mandated by the hud. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020. I would call the city to find out what their requirements are for attic access because that is what fha would probably use as their guideline requirements. Attic the appraiser will need to perform a head and shoulders inspection of the attic.

Sketches must show porches and outbuildings that have value and porches and decks must be indicated covered or uncovered photos of repair items are required. Please make sure there is access and a ladder available if need be for the inspection. Crawlspace please make sure there is an unsealed entry point for a crawlspace. Basic fha requirements fha case number must be shown on all pages of the report including photos sketch map etc.

We cover those requirements and how they compare to conventional appraisals. Fha residential appraisal requirements this section provides specific instructions for completing appraisal report forms. Mls photo may be included in addition to original photo s taken by appraiser. Comment that all utilities were on and functioning at time of inspection.

The appraisal reporting form to be used will depend on the property type that is being appraised. Photo and sketch requirements fha added additional photograph requirements in appraisal reports and has clarified some current requirements regarding building sketches. 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.