Fha Attic Mold

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.

Fha attic mold.

We breathe the air that is below our house. When there is no safe access to the attic the appraiser is to note the inaccessibility in the appraisal report. Large overgrowths of mold and mold in unusual locations are especially likely to lower a home s value. The guidance in this faq is effective for case numbers assigned on or after september 14 2015.

Fha appraisers are required to observe the attic area. 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. 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. Inspection the attic must be examined whether access is by pull down stairway or scuttle.

The appraiser is not required to disturb insulation move personal items furniture equipment or debris that obstructs access or visibility. Possible fha concern mold on the attic sheathing. 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. 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.

If the fha appraiser finds that the mold overgrowth is dangerous you might be required to. Anytime mold is found. Is an attic inspection required for fha. If an fha appraiser recommends mold abatement as a condition for approving the home for an fha mortgage that abatement must occur.

Logically mold in the attic is not likely an indoor air quality issue due to the stack effect. Possible fha concerns water stains on ceilings. Mortgagees bear primary responsibility for determining eligibility. The appraiser must observe the interiors of all attic spaces.

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. 4 requirements and eligibility standards for a federal housing administration fha insured 5 mortgage. In a attic we recommend you call a professional to have it inspected.