FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — j. Attic Observation Requirements
HUD effective date: 04/18/2023 · section II.D.3 · Handbook 4000.1
FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic Observation Requirements (04/18/2023).
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Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 3. Acceptable Reporting Forms and Protocols (04/10/2025) — j. Attic Observation Requirements — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic Observation Requirements (04/18/2023)
j. Attic Observation Requirements (04/18/2023) The Appraiser must visually observe the interiors of attic spaces to the extent these areas are safely accessible. The Appraiser is not required to disturb insulation or move items that obstruct access or visibility. If the observation reveals evidence of a deficient condition (such as a water-stained ceiling, insufficient ventilation, or smell of mold, etc.), the Appraiser must report this condition, and render the appraisal subject to inspection or subject to repairs in compliance with the Repair Requirements. The Appraiser must report when the attic space is not safely accessible. The Appraiser must complete the appraisal subject to inspection by a qualified third party only if further observation of inaccessible attic area(s) is necessary to determine compliance with MPR and MPS.
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