The guidance in this faq is effective for case numbers assigned on or after september 14 2015.
Fha attic mold.
When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report.
Mortgagees bear primary responsibility for determining eligibility.
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 is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility.
The appraiser must observe the interiors of all attic spaces.
Possible fha concern mold on the attic sheathing.
Inspection the attic must be examined whether access is by pull down stairway or scuttle.
Fha loan rules address environmental issues in general and it s safe to assume that mold issues are part of those general guidelines as the presence of mold can affect the resale of the property within the term of the loan where applicable.
Large overgrowths of mold and mold in unusual locations are especially likely to lower a home s value.
At a minimum the appraiser must enter head and shoulders into the attic.
Possible fha concern when you see this much chipping paint with no water stains it generally means that the ceiling was painted without putting primer on first.
If the fha appraiser finds that the mold overgrowth is dangerous you might be required to.
We breathe the air that is below our house.
In a attic we recommend you call a professional to have it inspected.
Federal housing administration fha loans must meet safety security and soundness standards which includes areas like roofs electrical water heaters and property access among others.
However fha appraisers are not mold experts if a home passes the appraisal that is no guarantee that the property is free of mold or other issues.
Logically mold in the attic is not likely an indoor air quality issue due to the stack effect.
Mold in a crawl space below your house could contribute mold spores to interior air which is no guarantee of a health hazard but simply a statement of fact.
4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage.
Is an attic inspection required for fha.
Or depending on the approval of the fha or the lender there must be proof that funds have been escrowed and a contact for that work to take place at a specific time.
Fha appraisers are required to observe the attic area.
If mold is present and detected by the fha appraiser it s safe to assume that in such cases the appraiser would consider recommending corrections repairs to fix the problem.
