FAQs

The Housing and Recovery Act of 2008 does not provide a grandfather provision for licensed appraisers who are currently on the roster. FHA issued mortgagee letter 2008-39 which states that "No Later than October 1, 2009, all FHA Appraiser Roster appraisers in all states and territories must be state certified in order to be eligible to conduct appraisals for FHA-insured mortgages and remain on the FHA Appraiser Roster."

No. The Mortgagee Letter states that in order for approved appraisers who are licensed but not certified to remain on the FHA Appraiser Roster, they must hold the certified residential or certified general appraiser designation from the issuing state by October 1, 2009. All licensed appraisers who have not upgraded their credentials to a state-issued certification by this date will be removed from the Roster. FHA has determined that the Appraisal Foundation is a "nationally recognized professional appraisal organization" within the meaning of the revised National Housing Act and will only accept state-issued appraisal certifications. Effective October 1, 2008, FHA stopped accepting application to the FHA Appraiser Roster from licensed but uncertified appraisers.  

If you received an error message when you were entering your application into FHAC, you likely have a federal debt in the Credit Alert Interactive System and must follow up to clear that item with the agency to which you owe the debt. If you received an email after FHA reviewed your application, without instructions about how to clear those items, the explanations and links to the appropriate web pages are:

Credit Alert Interactive System: CAIVRS is a Federal government database of delinquent Federal debtors that allows federal agencies to reduce the risk to federal loan and loan guarantee programs. CAIVRS alerts participating Federal lending agencies when an applicant for credit benefits, or for a position of trust in support of the administration of a Federal credit program, has a Federal lien, judgment or a Federal loan that is currently in default or foreclosure, or has had a claim paid by a reporting agency.

GSA's Excluded Parties List System (EPLS): The purpose of Excluded Parties List System is to provide a comprehensive list of individuals and firms excluded by Federal government agencies from receiving federal contracts or federally approved subcontracts and from certain types of federal financial and non-financial assistance and benefits.

HUD's Limited Denial of Participation (LDP) List: A Limited Denial of Participation (LDP) is an action taken by HUD, which excludes a party from further participation in a HUD program area. An LDP generally expires in one year. LDPs are issued to parties (individuals and companies) who fail to comply with HUD program standards. In most cases, the causes of an LDP action can be remedied by the party. LDP actions include provisions for an appeal process, which begins with a conference at the HUD office that issued the LDP.

You must request reinstatement, but only if you are state-certified general or residential and meet all eligibility requirements. 

No. The system will not assign a user ID and password until after you are in an active status on the roster. Read the eligibility requirements first, take the roster demonstration training and submit your application. After you are active on the roster, you may request an ID to access your record and to keep your information current. 

If you remember your ID but not your password, you must use the "Forgot Your Password" link on the ID maintenance web page. The process works like this: If your email address is correct, complete the registration form and you will receive an email within 48 hours informing you that a new ID was issued. You will also receive a letter in the mail within 7-10 business days, which will include the user ID and password. Put these in a safe place. You may not need to use them again until you renew and you will likely not recall them from memory.

If you do not remember your ID, or if you keyed your email in error the same way twice during the application process, you must send an email to AppraiserFHACid@hud.gov, with "Request User ID Reset" in the subject line AND include your full name, phone number, address and email address in the text. You will be contacted by phone. Do not send any other business to this mailbox as it will be deleted without response. You will receive a response within 10 business days of HUD's receipt of your email. 

If you remember your ID but not your password, you must use the "Forgot Your Password" link on the ID maintenance web page. The process works like this: If your email address is correct, complete the registration form and you will receive an email within 48 hours informing you that a new ID was issued. You will also receive a letter in the mail within 7-10 business days, which will include the user ID and password. Put these in a safe place. You may not need to use them again until you renew and you will likely not recall them from memory.

The system will not accept a second application. The roster on FHA.gov updates less frequently than the FHA Connection roster on HUD.gov. Lenders use the HUD.gov roster when they select an appraiser. You must be certain that all of your information is correct on the HUD.gov roster through the FHA Connection. See "Update Your Information." You will not have an active record on the roster, and you will not be permitted to perform FHA appraisals if you have been sanctioned in any state, even though you may be certified in more than one state but sanctioned in only one. 

If FHA lenders are unable to locate an appraiser listed on the roster by using the number shown on the state issued license or certification, lenders may use the FHA Connection Appraiser List screen and search by name and state. The license or certification number displayed on the Appraiser List page for the selected appraiser should be used when ordering a Case Number on the Case Number Assignment. 

In most cases, the answer is that the response back to you containing the newly reset user ID and password is going to the wrong mailing and/or email address. Send an email to the technical help desk at sfadmin@hud.gov, describe the problem and include any error message you may have received. They will be able to help you if it is a technical issue, or if not a technical issue, they will advise you as to exactly what to write in the email to the roster team at AppraiserRoster@hud.gov. Be sure to put "Request User ID Assistance" in the subject line of your email. 

Type your number as shown in the National Registry, otherwise FHA Connection will reject your certification. 

It could be the data was incorrectly typed by FHA if you submitted a paper application before FHA automated the process or it could be incorrect on the National Registry and an automated renewal occurred. If the latter is the case, you must have your state appraisal regulatory agency send the correct info to the National Registry. Once received by the National Registry, it will take at least 24 hours to show in the roster. An expired license or certification will cause you to be ineligible to perform FHA appraisals. 

Unless you updated the expiration date, or you are adding a credential for an additional state, it is not necessary to upload a copy. The National Registry forwards the information to FHA. If neither of those fields has changed, the ability to upload is not needed because you are not changing any details of the certification.

Most licenses and certifications are renewed automatically if certain other information in the roster matches the National Registry and the overnight update from the Registry to FHA has occurred. If the information is not correct in the National Registry, it will not be correct in the roster. The information must be an exact match and you must have your state regulatory agency send an update to the National Registry.

To be reinstated, you must comply with all eligibility requirements and request a reinstatement. If you are eligible, request a reinstatement by emailing a PDF copy of your state certification to AppraiserRoster@hud.gov with "Reinstatement Request" in the subject line. FHA will process your request within 10 business days of receiving your email. Effective October 1, 2008, if you are a licensed vs. state-certified appraiser you will not be reinstated.

If FHAC will not allow you to upload your credentials after changing the expiration date, it may be that the updated expiration date is not yet shown on the National Registry. You must wait for, or effect the change in the National Registry before updating FHAC. Your information must exactly match the National Registry. The National Registry will update the FHAC overnight the next business day. 

FHA has a system that interfaces with the ASC's National Registry. If your FHA information matches that in the National Registry, the system will automatically update your expiration date. Although this automation occurs, you must continue to check the FHA roster when it is time for your renewal and to verify that all information in the system is correct. If it is not, you must update your information in FHAC with the information that will cause the National Registry to match when the renewal is processed. 

FHA can only update the roster after receiving confirmation that the certification expiration date has been updated in the ASC's National Registry. Until FHA can confirm your updated license or certification information on the National Registry, your status will remain expired on the roster. The National Registry is updated when your state appraisal regulatory agency reports to ASC. When it does, you must wait for the FHA system to update overnight on normal business days. 

If FHA lenders are unable to find you on the FHA appraiser roster by using the number shown on the state issued license or certification, they can use the FHA Connection Appraiser List screen and search by name and state. The license or certification number displayed on the Appraiser List screen for the selected appraiser should be used when ordering a Case Number. 

The Code requires that an appraiser must be licensed or certified by the state in which the property to be appraised is located.

• perform a complete visual inspection of the interior and exterior areas of the subject property;
• inspect the neighborhood;
• inspect each of the comparable sales, at least from the street;
• research, verify, and analyze data from reliable public and/or private sources; and
• report his or her analysis, opinions, and conclusions in the appraisal report.

Twenty-eight (28) hours of continuing education every two years are required. All licenses will expire June 30 of the even number years.

Go to the Complaint Forms button and print the form. Fill it out and submit to the address on the form. Please include any appraisal reports or other paperwork that may be of assistance to the Commission in its investigation. An investigator may contact you. You will be notified of the decision of the Commission in regards to the complaint. NOTE: Members of the Commission review all complaints that are received. The Complaint process is lengthy, and you may not receive the Commission's decision for several months.