source:
  type: guide
  id: hud-4000-1-ii-j-attic-observation-requirements
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic
    Observation Requirements (04/18/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic
    Observation Requirements (04/18/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-j-attic-observation-requirements-full
  canonical_id: hud-4000-1-ii-j-attic-observation-requirements-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic Observation
    Requirements (04/18/2023)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — j. Attic
      Observation Requirements (04/18/2023)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: '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. 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) Handbook 4000.1 833
      Last Revised: 11/26/2025 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.'
  judgment: false
