Is the FHA Mortgagee or the FHA Roster appraiser responsible for the quality of an FHA appraisal?

The Mortgagee must evaluate the appraisal and ensure it complies with the requirements in Valuation and Reporting Protocols, and any additional appraisal requirements that are specific to the subject Property.

For additional information see Handbook 4000.1 II.A.3.a.v. and II.D available at


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-01988