FHA Appraisals and Reporting Requirements

Monday, March 3, 2014

The Appraisal Buzz recently caught up with Peter Gillispie and Craig Julian to discuss their upcoming continuing education class, "FHA Appraisals and Reporting Requirements". This one day class will be held Monday, May 12th in Annapolis, MD. We knew our readers would like to know a little more about the instructors and the class itself so we thought we would share their answers.

Buzz: Thank you for joining us Pete and Craig, could you tell us a little about your history in the appraisal industry.

Pete: I have worked in both the public and private sectors of the real estate appraisal industry for over 30 years. Before beginning my federal career in 1998, I worked approximately 18 years as a fee appraiser, the last twelve years with a firm in Maryland that offered valuation and consulting services related to commercial, industrial and residential properties. In 1998, I went to work for the U.S. Army Corps of Engineers as a staff appraiser, concentrating on eminent domain appraisals. In 2003, I started with FHA as a staff appraiser and left in 2013 as Deputy Director of the Home Valuation Policy Division whose responsibilities included providing oversight and direction to FHA appraisal staff as well as FHA approved lenders and Roster appraisers regarding appraisal reporting requirements and standards. Before leaving federal service, I was the Chairman of the Appraisal Subcommittee which provides oversight of the State regulatory appraisal programs and was able to gain unique insight on the problems and issues currently facing the appraisal industry.

Craig: I have been in real estate for over 30 years. This experience includes being a fee appraiser, staff appraiser, review appraiser, manager of review and staff appraisers, director of appraisal education for the largest real estate school in Texas, and manager of a credit risk department at a community bank. This appraisal experience includes residential and commercial properties. In regard to the residential assignments, I have completed appraisal reports on homes valued from $250 to $7,000,000. I have been an FHA appraiser since the 1990's and have previously written two FHA appraisal textbooks that were used in several states. I also have written an appraisal exam prep book that has been used throughout the United States and the United Kingdom. My practice today includes residential and commercial appraisals as well as writing projects for various national providers.

Buzz:Why was this course developed?

Pete: FHA is in the process of rolling out a comprehensive, single source, handbook which will encompass all aspects of FHA insured mortgages from application through loan endorsement, including appraisal reporting requirements and standards. This new handbook will be a searchable online document that will replace the myriad of handbooks, Mortgagee letters and other policy documents, most of which are not searchable, and will, for the first time, allow FHA lenders, appraisers and other industry users to quickly and easily access FHA policies and requirements. In developing this new handbook, FHA has made changes to its appraisal reporting requirements and property eligibility requirements. We have endeavored to capture all of these changes to ensure that those taking the course will have the opportunity to become familiar with the changes as well as to offer an overview of the FHA appraisal process for appraisers seeking to become approved to perform appraisals for FHA insured financing.

Craig: In addition to Pete's answer, I have reviewed numerous FHA appraisals over the past 10 years and many times I have seen reports that do not comply with FHA appraisal policy. I have a deep desire to assist the local FHA appraiser to understand the new requirements when completing an assignment.

Buzz: Who is the intended audience for this course? Can only appraisers attend?

Pete: As the course is a continuing education course for appraisers, it is designed to appeal to appraisers who are either already FHA approved or those appraisers who are thinking about doing FHA work. Appraisers are not the only ones who would benefit from this course. Underwriters and lenders who process and review appraisals performed for purposes of FHA insured financing will gain insight and knowledge of the FHA appraisal process and will be able to better perform these services.

Buzz: What topics does the course cover and why are they important to appraisers?

Pete: Much of what makes FHA appraisal reporting requirements unique are its property eligibility requirements and minimum property standards and requirements. To that end, the course addresses FHA requirements for both new and existing construction as well as repair and inspection requirements. Familiarity with and an understanding of these requirements is critical to an appraiser being able to perform acceptable appraisals of properties with deficiencies or subject to adverse conditions and hazards as well as to lenders who process loans secured by such properties. The course addresses the acceptable appraisal reporting forms endorsed by FHA, appraisal validity periods and how to appraise properties in changing markets as well as provides insight into FHA's internal appraisal review protocols and consequences for appraisers who do not comply with FHA reporting requirements. The Sales Comparison Approach is the single most relevant approach to value in appraising single family residential properties and the course provides acceptable methods for comparable sale selection as well as expectations for sales data verification and handling sales concessions.

Craig: In addition to Pete's answer, the course will include "real life" case studies to bring the FHA Handbook into the real world for a challenging class.

Buzz: What is one thing attendees should know before registering for this continuing education class?

Pete: As I previously indicated, FHA will be releasing a comprehensive, online handbook which will cover the FHA loan process from "soup to nuts". The course will address the appraisal component of this process and will enable attendees to familiarize themselves with any changes in appraisal reporting requirements and standards before they become effective.

Craig: When the appraiser completes this class, they will be able to do an FHA appraisal according to FHA policy.

Buzz: How have FHA appraisals changed in relationship to the industry and are they now more in sync with industry standards?

Pete: Over the past decade, FHA has endeavored to align its appraisal reporting requirements and standards with those of the conventional lending industry by standardizing and streamlining its appraisal reporting requirements. While this standardization has had much success, both statutory and regulatory constraints have continued to keep the FHA appraisal process a unique and idiosyncratic one, which must be complied with to ensure a successful loan transaction. A case in point would be the minimum requirements for placement on the FHA Appraiser Roster which, among other criteria, call for the appraiser to hold, at minimum, a state certified residential credential, which is in excess of the minimum standard for the industry as a whole.

Buzz: Thank you both so much for your time. It sounds like this class will be important for most appraisers to attend.

Appraisers who would like to register can go to http://allterragroup.com/events/allterra-group-appraiser-events and register. This continuing education class has been submitted for approval in DE and VA. It has already been approved for 7 hours of CE in MD and D.C. If you have any questions or need assistance registering contact info@allterragroup.com or call Ashley Hammond at (443) 994-0897.

Comments

The FHA virtually eliminated barriers to entry into the housing market to keep mortgage lending from completely drying up. FHA mortgages became so popular that today they make up nearly a third of the mortgage market. Many house buyers these days are guaranteed by Federal Housing Administration home loans. Is your sale house up to FHA standards? If not, you're missing out on potential buyers.

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