In order to do appraisals for FHA loans (including reverse mortgages and REO properties), you must be listed on the FHA appraiser roster. Below, we’ve provided answers to several common questions regarding how to get on the FHA roster. Whether you’re a new applicant or a former FHA roster appraiser, we hope you find the following information helpful.
What are the eligibility requirements?
To be eligible to apply for the FHA appraiser roster, you:
- Must be a state-certified appraiser
- Must not be listed on GSA’s Excluded Parties List System (SAM), the System for Award Management, Limited Denial of Participation (LDP) list, or HUD’s Credit Alert Verification Reporting System (CAIVRS)
- Must not be subject to current loss of standing or suspension as an appraiser in any state
How do I apply as a new applicant?
If you meet the minimum eligibility requirements, you can apply for FHA roster status at HUD.gov. Applications must be submitted online, following HUD’s step-by-step directions.
As part of the application process, you must also certify that you have “read and fully understand and will comply with FHA Single Family Housing Policy Handbook (SF Handbook) and FHA Single Family Housing Residential Appraisal Report and Data Delivery Guide.”
How do I apply as a former FHA appraiser?
If you have ever been on the FHA roster, you are not required to go through the same application process as a new applicant. Instead, you must apply for reinstatement. The FHA will reject applications of former roster appraisers who fill out the application as “new” applicants.
Why would an appraiser be removed from the FHA appraiser roster?
Appraisers with expired state credentials are automatically removed from the FHA roster until the credential is renewed. Appraisers with suspended or revoked credentials will also be removed from the FHA roster.
Appraisers are requested to renew their licenses at least 45 days prior to expiration in order for the state to process the record and report it to the ASC’s National Registry.
Need to renew your appraisal license? McKissock’s Unlimited Learning Membership is your one-stop, money-saving solution.
Is there anything else I should know about being an FHA appraiser?
Appraisers listed on the FHA roster must have in-depth knowledge of and remain up-to-date on policies and procedures for conducting FHA appraisals.
As an FHA roster appraiser, you must review all policies and procedures in FHA’s guidance and policy documents, which include handbooks, mortgagee letters, federal register notices, and the Code of Federal Regulations. It is important to understand that policies and procedures in older handbooks are often updated and/or superseded by mortgagee letters or federal register notices. Be sure to always read the most recent guidance.
Also, remember that you must comply with USPAP, including the COMPETENCY RULE, when conducting FHA appraisals.
For more information on the FHA appraiser roster, eligibility requirements, and the application process, please refer to the “Doing Business with FHA” section of the Single Family Housing Policy Handbook 4000.1 (SF Handbook).
Don’t forget to check out the following FHA appraisal courses offered by McKissock Learning.
- Online courses:
- Live webinars:
Editor’s note: This post was originally published on August 25, 2020 and updated in June 2023.