source:
  type: guide
  id: hud-4000-1-ii-8-appraisal-exhibits-and-photos
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Appraisal
    Exhibits and Photos (04/10/2025)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Appraisal
    Exhibits and Photos (04/10/2025).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-8-appraisal-exhibits-and-photos-full
  canonical_id: hud-4000-1-ii-8-appraisal-exhibits-and-photos-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Appraisal
    Exhibits and Photos (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 — 8. Appraisal
      Exhibits and Photos (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: '8. Appraisal Exhibits and Photos (04/10/2025) Handbook 4000.1
      1151 Last Revised: 11/26/2025 — My compensation for completing this assignment
      is not contingent upon the development or reporting of a predetermined value
      or direction in value that favors the cause of the client, the amount of the
      value opinion, the attainment of a stipulated result, or the occurrence of a
      subsequent event directly related to the intended use of this appraisal. — My
      analyses, opinions, and conclusions were developed, and this report has been
      prepared, in conformity with the Uniform Standards of Professional Appraisal
      Practice. — I have (or have not) made a personal inspection of the property
      that is the subject of this report. (If more than one person signs this certification,
      the certification must clearly specify which individuals did and which individuals
      did not make a personal inspection of the appraised property.) — No one provided
      significant personal property appraisal assistance to the person signing this
      certification. (If there are exceptions, the name of each individual providing
      significant personal property appraisal assistance must be stated.) — A field
      inspector was (or was not) used. I have reviewed and evaluated the work of the
      inspector and, in accordance with appraisal standards, incorporated those findings
      into the valuation opinion. I attest to the competency of the inspector and
      take full responsibility for the value determination of chattel interest. 8.
      Appraisal Exhibits and Photos (04/10/2025) If the Manufactured Home is already
      set on the lot, the Appraiser must include a legible street map showing the
      location of the subject, and, when used, each of the comparable properties,
      including sales, rentals, listings, etc., utilized. If substantial distance
      exists between the subject and comparable properties, additional legible maps
      must be included. The Appraiser must include a building sketch showing the GLA,
      all exterior dimensions of the house, patios, porches, decks, garages, breezeways,
      and any other attachments or out buildings contributing value. The Appraiser
      must show the calculations used to arrive at the estimated GLA. The Appraiser
      must provide an interior sketch or floor plan for Properties exhibiting functional
      obsolescence attributable to the floor plan design. The Appraiser must provide
      photographs as required in the table below and any additional exterior and interior
      photographs, reports, studies, analysis, or copies of prior listings in support
      of the Appraiser’s observation and analysis. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      F. Appraiser and Property Requirements for Title I Loans 9. HUD Certification
      Label Handbook 4000.1 1152 Last Revised: 11/26/2025 FHA Minimum Photograph Requirements
      Photograph Exhibit Minimum Photograph Requirements Subject Property Exterior
      • Front and rear at opposite angles to show all sides of the dwelling • Improvements
      with Contributory Value not captured in the front or rear photographs • Street
      scene photograph to include a portion of the subject site • For New Construction,
      include photographs that depict the subject’s grade and drainage • For Proposed
      Construction, a photograph that shows the grade of the vacant lot • For a Manufactured
      Home Lot Loan, a photograph that shows the above grade of the vacant lot Subject
      Property Interior • Kitchen, main living areas, bathrooms, and bedrooms • Any
      other room representing overall condition • Basement, attic, and crawl space
      • Recent updates, such as restoration, remodeling, and renovation • For two-
      to four-unit Properties, also include photographs of hallways, foyers, laundry
      rooms, and other common areas Comparable Sales, Listings, Pending Sales, Rentals,
      etc. (applicable to appraisals that use comparable approach) • Front view of
      each comparable utilized • Photographs must be taken at an angle to depict both
      the front and the side during the required exterior viewing of the comparable
      from the street when possible • Multiple Listing Service (MLS) photographs are
      acceptable to exhibit comparable condition at the time of sale. However, Appraisers
      must include their own photographs as well, to document compliance View • Photographs
      of any negative or positive view influences that substantially affect value
      or marketability Subject Property Deficiencies • Photographs of the deficiency
      or condition requiring inspection or repair Condominium or Leased Projects •
      Additional photographs of the common areas and shared amenities of the Condominium
      Leased Project 9. HUD Certification Label a. Definition (05/09/2022) HUD Certification
      Label, also known as a HUD seal or HUD tag, refers to a two inch by four inch
      aluminum plate permanently attached to Manufactured Homes. II. ORIGINATION THROUGH
      POST-CLOSING/ENDORSEMENT F. Appraiser and Property Requirements for Title I
      Loans 10. Data Plate Handbook 4000.1 1153 Last Revised: 11/26/2025 b. Standard
      (05/09/2022) Manufactured Homes must have an affixed HUD Certification Label
      located at one end of each section of the house, approximately one foot up from
      the floor and one foot in from the road side, or as near that location on a
      permanent part of the exterior of the house as practicable. Etched on the HUD
      Certification Label is the certification label number, also referred to as the
      HUD label number. Label numbers are not required to be sequential on a multi-section
      house. c. Required Analysis and Reporting (05/09/2022) The Appraiser must report
      the HUD label number for all sections, or report that the HUD Certification
      Label is missing or that the Appraiser was unable to locate it. 10. Data Plate
      a. Definition (05/09/2022) Data Plate refers to a paper document located on
      the interior of the Property that contains specific information about the unit
      and its manufacturer. b. Standard (05/09/2022) Manufactured Homes have a Data
      Plate affixed in a permanent manner, typically adjacent to the electric service
      panel, the utility room or within a cabinet in the kitchen. c. Required Analysis
      and Reporting (05/09/2022) The Appraiser must report the information on the
      Data Plate within the appraisal, including the manufacturer name, serial number,
      model and date of manufacture, as well as wind, roof load and thermal zone maps.
      If the Data Plate is missing or the Appraiser is unable to locate it, the Appraiser
      must report this in the appraisal and is not required to obtain the Data Plate
      information from another source. III. SERVICING AND LOSS MITIGATION A. Title
      II Insured Housing Programs Forward Mortgages 1. Servicing of FHA-Insured Mortgages
      Handbook 4000.1 1154 Last Revised: 11/26/2025 III. SERVICING AND LOSS MITIGATION
      A. TITLE II INSURED HOUSING PROGRAMS FORWARD MORTGAGES This section provides
      the standards and procedures applicable to the servicing of all Single Family
      (one- to four-units) Mortgages insured under Title II of the National Housing
      Act, except for Home Equity Conversion Mortgages (HECM). The Mortgagee must
      fully comply with all of the following standards and procedures when servicing
      a Mortgage insured by the Federal Housing Administration (FHA). 1. Servicing
      of FHA-Insured Mortgages Only FHA-approved Mortgagees may service FHA-insured
      Mortgages. Mortgagees may service Mortgages they hold or that are held by other
      FHA-approved Mortgagees.'
  judgment: false
