HUD/FHA requirements have NOT changes for Attic and Crawl space inspections. They are still HEAD/SHOULDERS ONLY. They are not requiring a full inspection and the appraiser is not qualified to make a full inspection. That is the call of a professional. The only change is that they require a photo of that head/shoulders access in the report.
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It covers the roof, the basement, crawl space, the mechanical systems of the home, foundation, and much more. fha refinance Loan Questions and Answers July 17, 2019 – Borrowers looking into their FHA refinance loan options aren’t always sure where to begin; the right kind of refinance loan for you may not be the right refinance for someone else.
All FHA loans require the borrower to pay two mortgage insurance. If the crawl space contains any system components, the minimum required vertical clearance is 18 inches between grade and the bottom of the floor joists. The crawl space must be properly vented unless the area is mechanically conditioned.
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HUD HOC Reference Guide. Basements and crawl spaces. chapter 1. Appraisal & Property Requirements Page 1-25. A: Basements: Basements must be.
Appraisal Rules For FHA Loans: Basements & Crawlspaces When reviewing your closing checklist or simply trying to plan for all the expenses of your fha home loan, the appraisal and the optional (but vital) home inspection are two of the expenses you’ll need to save for.
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All basement, crawl space, and attics must be in good condition. There must be adequate ventilation in each area as well as no evidence of mold or mildew. No evidence of lead-based paint. If the home is older, there could be a risk of lead-based paint. All homes must be free from this material before you can use FHA financing on them.