Fha Attic Requirements

General acceptance criteria property eligibility and non residential use of property.

Fha attic requirements.

If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. Roofs and attics the roofing must keep moisture out. 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 appraiser must inspect the attic for evidence of possible roof problems.

But that s not all the fha also requires a minimum amount of durability. Ensuring that mixed use properties comply with zoning. The roof should have a remaining physical life of at least two years. All appropriate approaches must be utilized when applicable.

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 house must beek building code so this may be where the hang up is. 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. However hud fha does not have a real definition of attic in their documentation.

Fha has always had a requirement for appraisers to inspect attics. Mortgagees bear primary responsibility for determining eligibility. The covering must prevent moisture from entering and provide reasonable future utility durability and economy. If the inspection reveals the need for roof.

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. For large volume attics such as where roof slopes are greater than 8 12 designers also should consider increasing. 4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. Always have a balanced ventilation system.

The roofing must be expected to last for at least two more years. Clarifying that fha requires an inspection. Cost and income approach for value. The roof cannot have more than three layers of roofing.

Attic and crawl space inspection requirements. 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.