FHA Appraiser Roster: Everything You Need to Know

FHA appraiser roster

FHA-insured home purchase?

Appraising the property you want to buy is vital.FHA appraisers evaluate property value and condition.In this article, we will guide you through the FHA appraiser roster, its significance, and how it impacts your home buying experience.

Understanding FHA Appraisal

FHA purchasers need an FHA appraisal.

It ensures that the property meets certain standards set by the FHA, protecting both the borrower and the lender. The appraisal report provides an unbiased evaluation of the property’s market value, condition, and compliance with FHA guidelines.

Role of FHA Appraiser

The FHA appraiser plays a vital role in the home buying process. They inspect and value the property.

The appraiser’s impartiality ensures the report’s accuracy and objectivity.

FHA Appraiser Roster Importance

FHA-approved appraisers can appraise FHA-insured loans.

Being on the FHA appraiser roster signifies that the appraiser has met the FHA’s stringent requirements, including education, experience, and adherence to ethical standards. Lenders are required to select appraisers from this roster to ensure the integrity of the appraisal process.

Qualifications for FHA Appraisers

To become an FHA appraiser, individuals must meet certain qualifications. They need to complete a state-licensed or certified appraiser course and pass a national exam. Additionally, they must obtain a license or certification from the state in which they operate. FHA appraisers are also required to participate in continuing education to stay updated with industry standards.

How to Find an FHA Appraiser

When purchasing a home with an FHA loan, your lender will typically select an FHA appraiser from the FHA appraiser roster. However, you can request a different appraiser if you have a valid reason. It’s important to work with a knowledgeable and experienced appraiser who understands FHA guidelines and local market conditions.

Factors Considered in FHA Appraisal

FHA appraisers analyse the property’s size, location, condition, and amenities.

They also consider comparable properties in the area to determine the property’s market value. The appraiser looks for any health and safety issues, such as structural defects or hazards, that could affect the property’s livability.

The Appraisal Process

The FHA appraisal process involves scheduling an inspection of the property, both interior and exterior. The appraiser takes measurements, photographs, and notes about the property’s features and condition. They also assess any repairs or renovations needed to meet FHA standards. After completing the appraisal, the appraiser prepares a detailed report that includes their findings and the property’s appraised value.

Common Appraisal Issues

Certain issues commonly arise during FHA appraisals. These may include peeling paint, faulty electrical systems, water damage, or inadequate heating and cooling systems. Before loan approval, such difficulties must be resolved.

Buyers and sellers must be aware of appraisal difficulties and act to resolve them.

Appraisal Results and Their Impact

The appraisal report plays a significant role in the home buying process. It helps determine the maximum loan amount the FHA is willing to insure for the property. If the appraised value is lower than the agreed purchase price, buyers may need to renegotiate with the seller or provide additional funds to cover the shortfall.

Disputing an FHA Appraisal

In some cases, buyers or sellers may disagree with the results of an FHA appraisal. If you believe the appraisal is inaccurate or incomplete, you can challenge it by providing additional evidence or requesting a review of the appraisal. It’s important to follow the appropriate procedures and work closely with your lender during the dispute resolution process.

FHA Appraiser Roster vs. Non-Roster Appraisers

Choosing an appraiser from the FHA appraiser roster provides an added level of confidence in the appraisal process. These appraisers have undergone rigorous training and meet the FHA’s strict standards. While non-roster appraisers may also be qualified, using an FHA roster appraiser helps ensure consistency and adherence to FHA guidelines.


  1. Can I choose my own FHA appraiser?

 In most cases, your lender will select an appraiser from the FHA roster. However, you can request a different appraiser if you have a valid reason.

  1. How long does an FHA appraisal take? 

The duration of an FHA appraisal can vary depending on factors such as the property’s size, condition, and complexity. On average, it takes about one to two weeks to complete.

  1. What if the appraised value is lower than the purchase price?

 If the appraised value is lower than the purchase price, buyers may need to renegotiate with the seller or provide additional funds to cover the shortfall.

  1. Can an FHA appraisal be transferred to another lender? 

No, an FHA appraisal is generally non-transferable. If you switch lenders during the mortgage process, a new appraisal will be required.

  1. What happens if the property doesn’t meet FHA standards? 

If the property doesn’t meet FHA standards, the lender may require repairs or renovations to bring it into compliance before approving the loan.


The FHA appraiser roster is a crucial component of the FHA loan process. It ensures that properties meet specific standards and protects the interests of both buyers and lenders. Understanding the role of the FHA appraiser, the appraisal process, and potential issues can help you navigate the home buying process more effectively. Remember to work closely with your lender and consult with professionals when necessary to ensure a successful home purchase.

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