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An appraiser on the FHA roster must perform any housing appraisal that is required by FHA guidelines. You are not allowed to have someone you know do the appraisal unless they are listed and approved by FHA.

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January 25, 2020
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

Who is Allowed to Do My FHA Appraisal?

FHA Common Question #38

All housing appraisals required by FHA guidelines must be performed by appraisers on the FHA roster. This rules out having someone you know do the appraisal unless they meet FHA guidelines and are currently listed by the FHA. The appraisal is a very important part of meeting FHA requirements and it's best to schedule it as early as possible. If there is a lot of FHA activity in your area you could find yourself in for a delay when trying to get your paperwork completed.

NEXT:  Why Do I Need a Property Appraisal?

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FHA Loan Articles and Mortgage News

One-Time Close Construction Loans: No Loan Limits?

January 21, 2020 - Is there really a construction loan that lets you build a house on your own lot with no loan limit? AND a zero-down loan at that? Believe it or not, such a loan DOES exist. It’s the VA Construction Loan, which can be offered as a One-Time Close mortgage.

Tips for FHA Home Loan Cosigners

January 18, 2020 - FHA loans permit cosigners, co-borrowers, even non-occupying co-borrowers. The rules for cosigning, co-borrowing, etc. are found in HUD 4000.1, the FHA Lender’s Handbook, but there may also be additional standards imposed by the lender.

Are You Due a Mortgage Insurance Refund From an FHA Loan?

January 15, 2020 - Some borrowers are, and some are not--much depends on the nature of your mortgage transaction. UFMIP is always required on FHA loan transactions and must be paid either in cash at closing time or must be financed into the loan amount.

There Are Different Kinds of One-Time Close Construction Loans

January 13, 2020 - A One-Time Close loan can help you build a home without the requirements some other construction loans have -- two applications, two loans, and two closing dates. These construction loans are for first-time home buyers AND experienced home owners alike.

FHA Home Loan Costs to Save for in 2020

January 12, 2020 - If you've already started saving for your down payment, your appraisal, compliance inspections, and other costs, you’re well ahead of the game. Those who haven’t started truly planning and saving may feel a bit lost when trying to get ready for the loan.