Fha Attic Requirements

However hud fha does not have a real definition of attic in their documentation.

Fha attic requirements.

Mortgagees bear primary responsibility for determining eligibility. If the inspection reveals the need for roof. Attic and crawl space inspection requirements. Fha has always had a requirement for appraisers to inspect attics.

But that s not all the fha also requires a minimum amount of durability. 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. 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. Roofs and attics the roofing must keep moisture out.

The roofing must be expected to last for at least two more years. Always have a balanced ventilation system. All appropriate approaches must be utilized when applicable. The house must beek building code so this may be where the hang up is.

General acceptance criteria property eligibility and non residential use of property. 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. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. 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 appraiser must inspect the attic for evidence of possible roof problems. Fha does not have a specific requirement for insulation. For large volume attics such as where roof slopes are greater than 8 12 designers also should consider increasing. Clarifying that fha requires an inspection.

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. The roof cannot have more than three layers of roofing. The roof should have a remaining physical life of at least two years. 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.

The covering must prevent moisture from entering and provide reasonable future utility durability and economy. This page was updated in january 2020 and to include the latest information on fha appraisal guidelines and requirements for 2020.