source:
  type: guide
  id: hud-4000-1-i-e-post-approval-requirements
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — e. Post-approval
    Requirements (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — e. Post-approval
    Requirements (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-e-post-approval-requirements-full
  canonical_id: hud-4000-1-i-e-post-approval-requirements-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — e. Post-approval
    Requirements (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 I — e. Post-approval
      Requirements (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: 'e. Post-approval Requirements (04/10/2025) When completing any
      FHA assignment, the Appraiser must have a valid appraisal credential and be
      in good standing on the FHA Appraiser Roster for the state in which the Property
      is located. The Appraiser must maintain their personal and business information
      updated in FHAC, fully conform with Eligibility Requirements, and comply with
      the following requirements and restrictions. i. Compliance with Law The Appraiser’s
      performance must comply with all applicable federal, state, and local laws.
      The Appraiser must adhere to all state and local laws relating to appraisal,
      licensing, and certification requirements. ii. Appraiser Competency Requirement
      The Appraiser assigned to provide the appraisal must be able to complete an
      assignment for the property type, assignment type, and geographic location of
      the subject Property. The Appraiser must comply with USPAP, including the Competency
      Rule, when conducting appraisals of Properties intended as security for FHA-insured
      financing. iii. Communications with Appraisers An FHA Roster Appraiser must
      avoid conflicts of interest and the appearance of conflicts of interest. To
      avoid conflicts of interest and/or the appearance of conflicts of interest,
      the Appraiser must not be unduly influenced by: • a member of a Mortgagee’s
      loan production staff or any other person who is compensated based upon the
      successful completion of a loan; or I. DOING BUSINESS WITH FHA B. Other Participants
      1. FHA Appraiser Roster Handbook 4000.1 79 Last Revised: 11/26/2025 • anyone
      who reports ultimately to any officer of the Mortgagee not independent of the
      loan production staff and process. The Appraiser is bound by the confidentiality
      provisions of USPAP and may not discuss the value or conclusions of the appraisal
      with anyone other than the Direct Endorsement (DE) underwriter or FHA staff
      or their representatives. The Appraiser may discuss components of the appraisal
      that influence its quality and value with the DE underwriter who has responsibility
      for underwriting the case. The Appraiser may interact with real estate agents
      and others, during the normal course of business, to provide property access,
      information and other market data. iv. Appraisal Fees The Appraiser and the
      Mortgagee or Mortgagee-designated third party will negotiate the appraisal fees
      and due date. FHA does not establish appraisal fees or due dates. v. Obligation
      to Report to FHA (A) Professional Appraisal Organizations The Appraiser may
      be a member or hold designations in professional appraisal organizations. If
      the Appraiser is a member, candidate or associate of an appraisal organization,
      the Appraiser must report, by calling 1-800-CALLFHA (1-800-225- 5342) or sending
      an email to answers@hud.gov, any adjudicated actions resulting in a disciplinary
      action, or the suspension of the Appraiser, to FHA within 14 Days of such action.
      On disposition or adjudication of the action, the Appraiser must provide FHA
      with documentation and official Findings. FHA may consider sanctions, including
      removal of an Appraiser found guilty of professional misconduct as adjudicated
      by a professional appraisal organization. (B) Safeguards for Appraiser Independence
      The Appraiser must report attempts to influence independence to answers@hud.gov
      or by calling 1-800-CALLFHA (1-800-225-5342). In addition, the appraiser must
      report the attempts to HUD OIG Hotline (1-800-347-3735). Mortgagees, Appraisal
      Management Companies (AMC) and third parties are prohibited from influencing
      the independence of the Appraiser and the valuation process. Prohibited acts
      and attempts to influence the results of an appraisal include the following:
      • withholding or threatening to withhold timely payment or partial payment for
      an appraisal report; • withholding or threatening to withhold future business
      from an Appraiser, or demoting, terminating or threatening to demote or terminate
      an Appraiser; • making expressed or implied promises of future business, promotions
      or increased compensation for an Appraiser; I. DOING BUSINESS WITH FHA B. Other
      Participants 1. FHA Appraiser Roster Handbook 4000.1 80 Last Revised: 11/26/2025
      • conditioning the ordering of an appraisal report or the payment of an appraisal
      fee, salary, or bonus on the opinion, conclusion or valuation to be reached,
      or on a preliminary value estimate requested from an Appraiser; • requesting
      that an Appraiser provide an estimated, predetermined or desired valuation in
      an appraisal report prior to the completion of the appraisal report, or requesting
      that an Appraiser provide estimated values or comparable sales at any time prior
      to the Appraiser’s completion of an appraisal report; • providing the Appraiser
      with an anticipated, estimated, encouraged or desired value for a subject Property,
      or a proposed or target amount to be loaned to the Borrower, except for a copy
      of the sales contract for purchase and any addendum, which must be provided;
      • providing the Appraiser, appraisal company, AMC or any entity or person related
      to the Appraiser, with stock or other financial or nonfinancial benefits; •
      allowing the removal of an Appraiser from a list of qualified Appraisers or
      the addition of an Appraiser to an exclusionary list of qualified appraisers,
      used by any entity, without prompt written notice to the Appraiser that includes
      written evidence of the Appraiser’s illegal conduct, violation of USPAP or state
      licensing standards, improper or unprofessional behavior or other substantive
      reason for removal; • ordering, obtaining, using, or paying for a second or
      subsequent appraisal or Automated Valuation Model (AVM) in connection with a
      mortgage financing transaction, unless: o there is a reasonable basis to believe
      that the initial appraisal was flawed or tainted and such appraisal is clearly
      and appropriately noted in the loan file; or o such appraisal or AVM was completed
      pursuant to a written, preestablished bona fide pre- or post-funding appraisal
      review, quality control process or underwriting guidelines and the Mortgagee
      adheres to a policy of selecting the most reliable appraisal, rather than the
      appraisal that states the highest value; and • any other act or practice that
      impairs or attempts to impair an Appraiser’s independence, objectivity, impartiality
      or violates law or regulation, including, the Truth in Lending Act (TILA), Regulation
      Z and USPAP. (C) Roster Appraiser Administrative Responsibilities The FHA Roster
      Appraiser has the administrative responsibility to keep their personal and business
      information up to date via FHA Connection (FHAC). The FHA Roster Appraiser’s
      contact information must include their mailing address, phone number, and email
      address. The FHA Roster Appraiser’s credentials must be current before completing
      an appraisal for FHA. I. DOING BUSINESS WITH FHA B. Other Participants 2. 203(k)
      Consultants Handbook 4000.1 81 Last Revised: 11/26/2025 2. 203(k) Consultants
      a. Definition (11/07/2023) 203(k) Consultant refers to a person approved and
      active in the FHA 203(k) Consultant Roster, who, when engaged by a Mortgagee,
      conducts a personal on-site inspection of the Property to conduct Consultant
      functions in the 203(k) program.'
  judgment: false
