Fha Attic Requirements

If the roof has less than two years remaining life then the appraiser must call for re roofing or repair.

Fha attic requirements. Roofs and attics the roofing must keep moisture out. The roof should have a remaining physical life of at least two years. For large volume attics such as where roof slopes are greater than 8 12 designers also should consider increasing. However hud fha does not have a real definition of attic in their documentation.

But that s not all the fha also requires a minimum amount of durability. 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. The covering must prevent moisture from entering and provide reasonable future utility durability and economy. The roofing must be expected to last for at least two more years.

Cost and income approach for value. If the inspection reveals the need for roof. All appropriate approaches must be utilized when applicable. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.

Always have a balanced ventilation system. General acceptance criteria property eligibility and non residential use of property. Federal housing authority recommends a minimum of at least 1 square foot of attic ventilation evenly split between intake and exhaust for every 300 square feet of attic floor space. Attic and crawl space inspection requirements.

The appraiser must inspect the attic for evidence of possible roof problems. Ensuring that mixed use properties comply with zoning. 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. Mortgagees bear primary responsibility for determining eligibility.

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. 4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. Clarifying that fha requires an inspection. The house must beek building code so this may be where the hang up is.

The roof cannot have more than three layers of roofing. Regarding attic ventilation nrca recommends designers provide at least 1 square foot of nfva for every 150 square feet of attic space 1 150 ventilation ratio measured at the attic floor level ceiling.