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#1 VA Minimum Property Requirements (Ch. 12) Page 34

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Requirements 12-34 27. Attics Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Expectations Fee appraisers must view the interior of…

VA Minimum Property Requirements (Ch. 12) · Ch12_Minimum_Property_Requirement_NEW 2022 02 17.pdf · Page 34 · View at official source (VA.gov — Construction and Valuation) →

Requirements 12-34 27. Attics Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Expectations Fee appraisers must view the interior of readily accessible attic spaces. The appraiser is not required to climb into the attic. The appraiser is not required to move insulation or personal items that may hinder visibility. If there is no scuttle or other access to the attic, there is no requirement to provide access. b. Deficient Conditions If a deficient condition (for example, a water-stained ceiling or insufficient ventilation) is apparent, the appraiser must prepare the appraisal subject to the repair.

#2 VA Lenders Handbook (Pamphlet 26-7) Page 445

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Minimum Property Requirements 12-34 27. Attics Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Expectations Fee appraisers must view the…

VA Lenders Handbook (Pamphlet 26-7) · VA-Lender-Handbook.pdf · Page 445 · View at official source (VA.gov — Appraisers/Staff Appraisal Reviewer) →

Minimum Property Requirements 12-34 27. Attics Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Appraiser Expectations Fee appraisers must view the interior of readily accessible attic spaces. The appraiser is not required to climb into the attic. The appraiser is not required to move insulation or personal items that may hinder visibility. If there is no scuttle or other access to the attic, there is no requirement to provide access. b. Deficient Conditions If a deficient condition (for example, a water-stained ceiling or insufficient ventilation) is apparent, the appraiser must prepare the appraisal subject to the repair.

#3 UAD 3.6 / URAR (FNMA) Page 99

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Dwelling Exterior Appendix F-1: URAR Reference Guide Page 99 of 375 Version 1.3 Dwelling Exterior: Factory Built Certification, Volume, and Window Surface Area Report Field ID…

UAD 3.6 / URAR (FNMA) · Appendix F-1 URAR Reference Guide v1.3.pdf · Page 99 · View at official source (fanniemae.com/uad) →

Dwelling Exterior Appendix F-1: URAR Reference Guide Page 99 of 375 Version 1.3 Dwelling Exterior: Factory Built Certification, Volume, and Window Surface Area Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance 8.016 Window Surface Area When requested by client Number of square feet The combined surface area for all windows in the structure. Note: When applicable, report the area provided. Attic Reference the appropriate government agency appraisal guidelines for more information. Dwelling Exterior: Attic Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance 8.017 Attic Required for FHA, USDA, and VA appraisals when Structure Design is not High-rise, Mid-rise, or Low-rise Yes | No Attic Exists: Indicates whether the structure has an attic. Notes: • For VA appraisals, “Yes” or “No” displays and no additional attic information is required. • For FHA and USDA appraisals: o When there is no attic, “No” displays. o When there is an attic, additional attic information is required. 8.017 Attic Required for FHA and USDA appraisals when Attic Exists is Yes Yes | No Attic Accessible for Observation: Indicates whether the attic is accessible for visual observation. • Yes • No (Inaccessible) 8.017 Attic Required for FHA and USDA appraisals when Attic Accessible for Observation is Yes Yes | No Visual Observation Completed: Indicates whether a visual observation of the attic, as defined by the applicable organization, was completed. • Yes (Visual Observation Completed) • No (No Visual Observation Completed) Remaining Economic Life and Effective Age Remaining Economic Life and Effective Age display in the Dwelling Exterior section for government agency appraisals when there is no Cost Approach section. Reference the appropriate government agency appraisal guidelines for more information. Dwelling Exterior: Remaining Economic Life and Effective Age Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance 8.018 Remaining Economic Life Displays for FHA, USDA, and VA appraisals when Cost Approach Developed by Appraiser is No Number of years The estimated number of years of the structure's remaining economic life.

#4 UAD 3.6 / URAR (FNMA) Page 363

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Appendix 4: Detached Garage Examples Appendix F-1: URAR Reference Guide Page 363 of 375 Version 1.3 Example 1: Detached Garage – Vehicle Storage Only In this example, the subject…

UAD 3.6 / URAR (FNMA) · Appendix F-1 URAR Reference Guide v1.3.pdf · Page 363 · View at official source (fanniemae.com/uad) →

Appendix 4: Detached Garage Examples Appendix F-1: URAR Reference Guide Page 363 of 375 Version 1.3 Example 1: Detached Garage – Vehicle Storage Only In this example, the subject has a 400 sq. ft. detached heated garage with no additional separate area. No Outbuilding Section When the detached garage has no additional separate area, it is not reported as an outbuilding, so the Outbuilding section does not display. Vehicle Storage When the detached garage has no additional separate area, it is reported in the Vehicle Storage section only. Any defects, damages, or deficiencies for the structure are reported in this section. If the garage has unique features, they are noted in Vehicle Storage Commentary. • In this example, the 400 sq. ft. detached garage is reported, and the heated garage is noted in Vehicle Storage Commentary. Sales Comparison Approach In this example, Comparable #1 has a 2-car heated garage with a half bath, and an additional outbuilding for which Outbuilding Type is Greenhouse. Vehicle Storage Subsection Information about the subject property’s driveway and garage populates from the Vehicle Storage section. If the subject or comparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to support adjustments and conclusions.

#5 HUD/FHA Single Family Handbook 4000.1 Page 1341

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III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2. Default Servicing Handbook 4000.1 1314 Last Revised: 11/26/2025 abandoned…

HUD/FHA Single Family Handbook 4000.1 · HUD_FHA_4000.1.pdf · Page 1341 · View at official source (HUD.gov — SFH Handbook 4000.1) →

III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 2. Default Servicing Handbook 4000.1 1314 Last Revised: 11/26/2025 abandoned post-foreclosure, or 15 business days following the determination that the Property is vacant and/or abandoned pre-foreclosure. (i) Locksets Where the Property has been conveyed to the Mortgagee after the foreclosure sale, the Mortgagee must: • ensure that the lockset on the main entranceway remains secured; and • rekey or replace all locksets on all secondary external entranceways and secure interior doorways, including attached garages and basements. When rekeying, the Mortgagee must reset all locksets at the Property to a random identical key code and document the key code in the “Mortgagee’s comments” of Part A of form HUD-27011. If locksets cannot be replaced or rekeyed or are antique or architectural locksets, the Mortgagee may utilize alternative methods to secure the door and prevent damage to the hardware or door. (ii) Exterior Doors The Mortgagee must secure all exterior doors. For exterior sliding glass doors, the Mortgagee must latch these doors and install or provide slider locks, anti-lift blocks, security bars, or another secondary security mechanism. The Mortgagee must not brace, nail shut, or otherwise block or damage the door. If no other locking mechanism exists, the Mortgagee must board/secure access doors, pet doors, and other panels providing access to basements and crawl spaces, where permitted by state or local law. (iii)Garage/Overhead Doors The Mortgagee must secure the garage or overhead doors by: • using existing locksets at garage/overhead doors if they can be rekeyed to the random identical key code for the Property; • securing the garage/overhead doors with a padlock and hasp if no other locking mechanism exists; • repairing or replacing inoperable garage doors; and • disconnecting automatic garage door openers, if present, and leaving any remote keys or transmitters securely in the Property. (iv) Outbuildings The Mortgagee must secure sheds and outbuildings by:

#6 HUD/FHA Single Family Handbook 4000.1 Page 855

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D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages 3. Acceptable Reporting Forms and Protocols (04/10/2025) Handbook 4000.1 828 Last Revised:…

HUD/FHA Single Family Handbook 4000.1 · HUD_FHA_4000.1.pdf · Page 855 · View at official source (HUD.gov — SFH Handbook 4000.1) →

D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages 3. Acceptable Reporting Forms and Protocols (04/10/2025) Handbook 4000.1 828 Last Revised: 11/26/2025 • ensure that finished basements and unfinished attic areas are not included in the total GLA; and • use the same measurement techniques for the subject and comparable sales, and report the building dimensions in a consistent manner. When any part of a finished level is below grade, the Appraiser must report all of that level as below-grade finished area, and report that space on a different line in the appraisal report, unless the market considers it to be Partially Below-Grade Habitable Space. In the case of nonstandard Properties and floor plans, the Appraiser must observe, analyze, and report the market expectations and reactions to the unique Property. The Appraiser may apply a supplemental measurement standard if it does not conflict with these requirements and the Appraiser discloses the use of the standard. iii. Additions and Converted Space The Appraiser must treat room additions and garage conversions as part of the GLA of the dwelling, provided that the addition or conversion space: • is accessible from the interior of the main dwelling in a functional manner; • has a permanent and sufficient heat source; and • was built in keeping with the design, appeal, and quality of construction of the main dwelling. Room additions and garage conversions that do not meet the criteria listed above are to be addressed as a separate line item in the Sales Comparison Approach (SCA) Grid, not in the GLA. The Appraiser must address the impact of inferior quality garage conversions and room additions on marketability as well as Contributory Value, if any. The Appraiser must analyze and report differences in functional utility when selecting comparable properties of similar total GLA that do not include converted living space. If the Appraiser chooses to include converted living spaces as GLA, the Appraiser must include an explanation detailing the composition of the GLA reported for the comparable sales, functional utility of the subject and comparable properties, and market reaction. Alternatively, the Appraiser may consider and analyze converted living spaces on a separate line within the SCA Grid, including the functional utility line to demonstrate market reaction. The Appraiser must not add an ADU or secondary living area to the GLA.

#7 2024 USPAP Page 403

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additional research and analysis as a new assignment, but it is not required. 169. DIFFERING SCOPE OF WORK Question: | recently completed an appralsal that complled with FHA…

2024 USPAP · 2024_USPAP_text.txt · Page 403 · View at official source (The Appraisal Foundation — USPAP) →

additional research and analysis as a new assignment, but it is not required. 169. DIFFERING SCOPE OF WORK Question: | recently completed an appralsal that complled with FHA guldelines, Including a more detalled physical Inspection of the subject property than Is normally performed for conventional loans. ‘The borrowers changed thelr minds and are now opting for a conventional loan. Can | simply remove any references to FHA guldelines and resubmit the appralsal for conventional loan Purposes? What If | had named FHA/HUD as an Intended user In my original appraisal report, ‘can I remove them as an Intended user as well? USPAP Guidance: Frequently Asked Questions co an © The Appraisal Foundation sac --- Page 300 --- Eos « APPRAISAL DEVELOPMENT ~ SCOPE OF WORK ISSUES Response: Because FHA/HUD was named as an intended user in your original report, USPAP requires you to treat the request as a new assignment, since the intended user(s) are an assignment element, and as such, cannot be changed once the assignment is complete. However, for the new assignment, recognize that if you obtained any information as a result of your inspection of the subject property for FHA purposes, you would have to disclose the results of that inspection, even if it were a more thorough inspection than would be required for conventional financing. For example, f you noted roof problems because you entered the attic when performing your inspection for FHA, you would be obligated to disclose those same results, even if you wouldn't typically access an attic when inspecting the subject property for conventional financing. Also, USPAP would not preclude you from removed references to any FHA guidelines in the appraisal report. See Advisory Opinion 26, Readaressing (Transferring) a Report to Another Party, and Advisory Opinion 27, Appraising the Same Property for a New Client, for additional guidance. 170. JUDGING THE ACTIONS OF AN APPRAISER'S PEERS Question: In the SCOPE OF WORK RULE, one of the two tests regarding the acceptability of an appraiser's scope of work Is what the appraiser's peers would do. There are many appraisers that do things differently, so how would I know what they would do In an assignment? Response: The SCOPE OF WORK RULE states that the acceptability of an appraiser's work is judged based on two tests: + the expectations of parties who are regularly intended users for similar assignments; and + what an appraiser's peers’

#8 VA Minimum Property Requirements (Ch. 12) Page 9

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Requirements 12-9 5. Encroachments Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Encroachments The appraiser must report any apparent…

VA Minimum Property Requirements (Ch. 12) · Ch12_Minimum_Property_Requirement_NEW 2022 02 17.pdf · Page 9 · View at official source (VA.gov — Construction and Valuation) →

Requirements 12-9 5. Encroachments Change Date March 28, 2019 • This chapter has been revised in its entirety. a. Encroachments The appraiser must report any apparent encroachments of the subject’s dwelling, garage, or other improvements onto an adjacent property, right-of- way, utility easement, or building restriction line and any apparent encroachments of a neighboring dwelling, garage, or other improvements onto the subject property. b. Prompt Notification The appraiser must notify the lender of the encroachment promptly to provide as much time as possible to resolve the issue.

Chief Appraiser Says Reading the actual guideline text below — never a general AI guess

# Garage Attic Access We looked through these guidelines and didn't find any specific passage about "garage attic access" as a defined term. The passages do address attic access generally—VA requires appraisers to view readily accessible attics without climbing into them or moving insulation—and the FHA/HUD handbook discusses securing garage doors during property preservation, but there's nothing that specifically addresses an attic space located above or accessed through a garage. If you're asking about a particular scenario, you may need to consult the full guideline chapters or contact your specific lender's requirements. Straight from VA Minimum Property Requirements (Ch. 12), VA Lenders Handbook (Pamphlet 26-7), UAD 3.6/URAR, HUD/FHA Single Family Handbook 4000.1, and 2024 USPAP — nothing added.

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