source:
  type: guide
  id: hud-4000-1-ii-a-information-required-before-commencement-of-appraisal
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Information
    Required before Commencement of Appraisal (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Information
    Required before Commencement of Appraisal (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-a-information-required-before-commencement-of-appraisal-full
  canonical_id: hud-4000-1-ii-a-information-required-before-commencement-of-appraisal-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Information
    Required before Commencement of Appraisal (04/10/2025)
  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 — a. Information
      Required before Commencement of Appraisal (04/10/2025)
    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: 'a. Information Required before Commencement of Appraisal (04/10/2025)
      The Appraiser must obtain all of the following from the Mortgagee before beginning
      an appraisal: • a complete copy of the executed sales contract for the subject,
      if a purchase transaction; • the land lease, if applicable (see Leasehold Interest);
      • surveys or legal descriptions, if available; • any other property-related
      legal documents contained in the loan file; and • a point of contact and contact
      information for the Mortgagee so that the Appraiser can communicate any noncompliance
      issues. The effective date of the appraisal cannot be before the FHA case number
      assignment date unless the Mortgagee certifies that the appraisal was ordered
      for conventional lending or government-guaranteed loan purposes and was performed
      pursuant to FHA guidelines. When using an appraisal ordered originally for conventional
      lending or government- guaranteed loan purposes before the case number assignment
      date: II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT D. Appraiser and Property
      Requirements for Title II Forward and Reverse Mortgages 1. Commencement of the
      Appraisal Handbook 4000.1 808 Last Revised: 11/26/2025 • The appraisal must
      be in full compliance with the Uniform Standards of Professional Appraisal Practice
      (USPAP), which requires that this be classified as a new assignment. The intended
      use of the appraisal must indicate that it is solely to assist FHA in assessing
      the risk of the Property securing the FHA-insured Mortgage. Additionally, FHA
      and the Mortgagee must be indicated as the intended users of the appraisal report.
      • If the Appraiser determines that the scope of work is met with regard to FHA
      policy including MPR, MPS, and USPAP compliance, and further determines that
      a reinspection of the Property is not necessary, the effective date of the appraisal
      may be the date of the original inspection. • If an FHA-compliant inspection
      is required, the date of the new inspection will become the effective date of
      the new appraisal. b. Additional Information Required before Commencement of
      an Appraisal on New Construction (09/14/2015) The Appraiser must obtain, from
      the Mortgagee, a fully executed form HUD-92541, Builder’s Certification of Plans,
      Specifications, and Site, dated no more than 30 Days prior to the date of the
      appraisal order and documents related to New Construction, including plans,
      specifications, and any exhibits provided that will assist the Appraiser in
      determining what is to be built, or, if now Under Construction, what will be
      built when finished. c. Additional Information Required before Commencement
      of an Appraisal on a Property with an Exception from the Lead-Based Paint Poisoning
      Prevention Act (HECM Only) (04/29/2024) A Property’s ability to serve as collateral
      for the HECM program may qualify for an exception from the remediation of defective
      lead-based paint surfaces. To qualify for the exception under the Lead-Based
      Paint Poisoning Prevention Act (LPPPA), as amended by the Residential Lead-Based
      Paint Hazard Reduction Act of 1992, the Mortgagee must obtain the Borrower’s
      certification that the Property qualifies as housing for the elderly and that
      no child under six years of age resides, or is expected to reside, in the home.
      When performing an appraisal for a Property that meets the LPPPA exception requirements:
      • the Appraiser must receive from the Mortgagee a copy of the Borrower certification
      that the Property qualifies for the exception; • the repair of defective interior
      and exterior lead-based paint surfaces is not required to meet MPR and the appraisal
      report must reflect the impact of the Property’s defective lead-based paint
      surfaces; and • the appraisal report must prominently include the statement:
      “The mortgagee has identified that they have obtained borrower certification
      that this property qualifies for the exception from mitigating lead-based paint
      hazards under the Lead-Based Paint Poisoning Prevention Act.” II. ORIGINATION
      THROUGH POST-CLOSING/ENDORSEMENT D. Appraiser and Property Requirements for
      Title II Forward and Reverse Mortgages'
  judgment: false
