Hard stop error messages must be resolved to receive a “Successful” appraisal submission status in the Electronic Appraisal Delivery (EAD) Portal. Some hard stops may be overridden and others require submission of a corrected appraisal.
When an appraiser makes corrections and resubmits an appraisal, the corrected appraisal must be re-uploaded to the same Document Type field as a new version (i.e., If the appraisal requiring correction is located in the Appraisal 1 field, the corrected appraisal must be uploaded as a new version in the Appraisal 1 field).
The table below may be used to help resolve some of the most common hard stop errors in the EAD Portal.
Additional resources, including user guides and fact sheets, are available on the Electronic Appraisal Delivery (EAD) Portal web page at https://www.hud.gov/program_offices/housing/sfh/lender/origination/ead
| Hard Stop | Description | Cause and Resolution | Eligible for Override? |
| Appraiser | |||
| FHA201 | Appraiser must be on the FHA Appraiser Roster | EAD matches current roster to appraiser certification number in the report. Possible mismatch on formatting between appraiser entry and ASC format. Mortgagee can view and over-ride if it is evident that it is the same appraiser. | Y |
| FHA202 | Appraiser must have a valid certification in the state where the property resides | EAD matches current roster to appraiser certification number in the report. EAD did not find a match for the state where property resides and a record that the appraiser is certified in that state. Check Roster on HUD.GOV. If appraiser is listed there for that state, contact the Roster Team to escalate. | N |
| FHA203 | Appraiser certification was not active as of the appraisal effective date | Appraisers must be active on the Roster as of the date of appraisal. EAD did not match an active certification with this appraiser. Check public Roster at HUD.GOV. If appraiser was not active as of the appraisal date, then that appraiser was ineligible to provide the service. Order new appraisal or if the appraiser is current on the list, the appraiser can redo the appraisal order with an eligible effective date. | N |
| FHA204 | Appraiser certification was terminated as of the appraisal effective date | If appraiser was terminated as of the date of appraisal, then that appraiser is ineligible to provide the service. If the appraiser has subsequently become current on the list, the appraiser can redo the appraisal order with an eligible effective date. | N |
| FHA205 | Appraiser was ineligible as of the appraisal effective date | If appraiser was not eligible as of the date of appraisal, then that appraiser is ineligible to provide the service on that date. The lender can order a new appraisal or if the appraiser is current on the list, the appraiser can redo the appraisal order with an eligible effective date. | N |
| Supervisory Appraiser | |||
| FHA210 | Appraisal contains supervisory appraiser information | FHA requires the appraisal be performed by an FHA Roster Appraiser. Only the assigned Roster Appraiser's name may be entered in the Appraiser Signature area. All of the supervisory fields MUST be blank. | N |
| Case Number | |||
| FHA500 | FHA Case Number is missing or provided in an invalid format | The FHA appraisal may not be transmitted to the Mortgagee without a FHA case number. The FHA case number must be entered in an 11 character format, ###-####### (3 numeric digits, followed by a dash, followed by 7 numeric digits). Example: 123-4589034. The FHA case number must be entered above the file number to correspond with the XML label: /VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFieIdentifier. In most software packages, this is formatted as an additional file number. The FHA case number may also appear in a similar place on other pages of the report but it is not a requirement. The loan product type i.e. "703" is not part of the case number. | N |
| FHA501 | FHA Case Number on appraisal does not match Document File | Ensure the FHA case number within the EAD Portal Document File is correct. Ensure the appraiser entered the correct FHA case number. | N |
| FHA502 | FHA Case Number on appraisal is canceled or not found | Ensure the FHA case number within the EAD Portal Document File is correct. Ensure the FHA case number in the appraisal report is correct. Review the FHA case number in FHA Connection to determine if the case number is canceled. | N |
| FHA503 | FHA Case Number assigned to property does not match subject address | Address matches are not always perfect. This allows the mortgagee to override the address and check to ensure that the information in CHUMS is accurate or if it needs to be changed. | Y |
| FHA504 | FHA Case Number on appraisal is not assigned to lender | For a transferred case, make sure the transfer is complete in FHA Connection. Ensure the FHA case number within the EAD Portal Document File is correct. Ensure the FHA case number in the appraisal report is correct. | N |
| FHA505 | FHA Case Number assigned to property does not match subject address state | Error typically caused by data input errors. Information in CHUMS must be accurate. Ensure that the case information is correct or if it needs to be changed because the appraiser is correct. | N |
| 1004D | |||
| 9005 | Invalid form type for Appraisal 1: 1004D/442 | 1004 D is either an update of appraisal or a follow on inspection for an appraisal. It cannot be uploaded in Appraisal1. Occasionally, we find that the mortgagee or its service provider may have created more than one Document File and thus the appraisal is in one and they are trying to load the 1004D into another that does not have the original appraisal loaded as appraisal1. | N |
| Digital Signature | |||
| FHA600 | Appraiser digital signature is missing | For Future Use: This message may be disregarded at this time. Once all Mortgagees are on boarded to the FHA EAD portal, this will provide security for the file, ensuring the Roster Appraiser signed the report and there is no evidence of tampering or changing data. FHA will announce when it goes live. | Y |
| FHA601 | Appraiser digital signature is in an invalid format | For Future Use: This message may be disregarded at this time. Once all Mortgagees are on boarded to the FHA EAD portal, this will provide security for the file, ensuring the Roster Appraiser signed the report and there is no evidence of tampering or changing data. FHA will announce when it goes live. | Y |
| FHA602 | Appraiser digital signature name or certification information does not match appraisal | For Future Use: This message may be disregarded at this time. Once all Mortgagees are on boarded to the FHA EAD portal, this will provide security for the file, ensuring the Roster Appraiser signed the report and there is no evidence of tampering or changing data. FHA will announce when it goes live. | Y |
| FHA603 | Appraisal could not be validated against appraisal digital signature | For Future Use: This message may be disregarded at this time. Once all Mortgagees are on boarded to the FHA EAD portal, this will provide security for the file, ensuring the Roster Appraiser signed the report and there is no evidence of tampering or changing data. FHA will announce when it goes live. | Y |
| FHA604 | Appraiser's signing key does not match appraiser | For Future Use: This message may be disregarded at this time. Once all Mortgagees are on boarded to the FHA EAD portal, this will provide security for the file, ensuring the Roster Appraiser signed the report and there is no evidence of tampering or changing data. FHA will announce when it goes live. | Y |
| Standard Hard Stops to be Carried over from UCDP to EAD | |||
| 100 | Appraised value is missing or provided in an invalid format | This is a UCDP hardstop also deployed in EAD. We must have a value estimate and it must be in the right format. | N |
| 101 | Appraised value is less than $5,000 | This is a UCDP hardstop also deployed in EAD. We must have a value estimate and it must be in the right format. FHA will allow mortgagee to override this because it is possible that the value is accurate. | Y |
| 102 | Appraised value is less than or equal to $0 | Really should not see a value of $0 or less. If the property really is zero or less than zero , there is obviously a serious issue with eligibility and the underwriter should be already consulting with the appraiser. | N |
| 200 | Missing appraiser certification information | Ensure the appraiser’s certification number was not mistakenly entered in the Licensed Appraiser field. Correct and update as a new version of the same document name (Appraisal 1/Appraisal 1). | N |
| 300 | Missing subject address | Must have an address - see FHA Single Family Appraisal Report and Data Delivery Guide. | N |
| 302 | Unknown subject address | Could be a new construction or issue with USPS database. Overrideable by Mortgagee | Y |
| 303 | Invalid address - unit number required or not validated | Condominium addresses can be problematic or an issue with USPS database. Overrideable by Mortgagee | Y |
| 304 | Invalid address - multiple units per address | Condominium and multi-family addresses can be problematic or an issue with USPS database. Overrideable by Mortgagee | Y |
| 401 | UAD compliance check failure (one or more fatal) | These are really serious UAD errors that also violate FHA requirements. Appraiser must fix them | N |
| 402 | UAD compliance check failure (warnings only) | These are more minor UAD issues that do not violate FHA requirements. Overrideable. | Y |
| 9000 | Invalid submission: File too large | Exceeds maximum file size that can be managed by EAD and FHA, usually due to scanning documents, images, state certification, etc. a high resolution. Have appraiser reset resolution to a level still readable but not as large | N |
| 9001 | Appraisal data in invalid format: Appraisal file deleted or renamed prior to submission | FHA only accepts appraisals in the MISMO 2.6 XML with embedded PDF format, as created by the appraiser. Ensure the appraiser’s software is updated with the most current version. Correct, and resubmit the appraisal. | N |
| 9001 | Appraisal data in invalid format: XML is not well-formed | FHA only accepts appraisals in the MISMO 2.6 XML with embedded PDF format, as created by the appraiser. Ensure the appraiser’s software is updated with the most current version. Correct, and resubmit the appraisal. | N |
| 9001 | Appraisal data in invalid format: XML contains non-UTF8 characters | FHA only accepts appraisals in the MISMO 2.6 XML with embedded PDF format, as created by the appraiser. Ensure the appraiser’s software is updated with the most current version. Correct, and resubmit the appraisal. | N |
| 9001 | Appraisal data in invalid format: XML file type cannot be auto-detected | FHA only accepts appraisals in the MISMO 2.6 XML with embedded PDF format, as created by the appraiser. Ensure the appraiser’s software is updated with the most current version. Correct, and resubmit the appraisal. | N |
| 9001 | Appraisal data in invalid format: XML file does not match the specified format and form | FHA only accepts appraisals in the MISMO 2.6 XML with embedded PDF format, as created by the appraiser. Ensure the appraiser’s software is updated with the most current version. Correct, and resubmit the appraisal. | N |
| 9001 | Appraisal data in invalid format: XSD check failure | FHA only accepts appraisals in the MISMO 2.6 XML with embedded PDF format, as created by the appraiser. Ensure the appraiser’s software is updated with the most current version. Correct, and resubmit the appraisal. | N |
| 9003 | PDF not included in XML submission | Does not meet FHA requirements. Instructions in FHA Single Family Appraisal Report and Data Delivery Guide. All five major software companies have participated in this development and have been providing compliant files for more than a year. Tell appraiser to make sure that he/she has the most recent update of their own choice of software and that they use the rules and tools provided for FHA appraisal reports. | N |
| FHA Appraisal Logging Screen Requirements (in addition to those listed above) | |||
| FHA3100 | A purchase transaction was indicated; a valid Date of Contract must be provided | If purchase transaction is checked, the date of contract must be entered using the format: MM/DD/YYYY. | N |
| FHA3105 | A purchase transaction was indicated; the Contract Price must be provided in whole dollars | If purchase transaction is checked, the sale price must be entered as a whole dollar number (no cents). | N |
| FHA3200 | Location must be provided. Only one of "Urban," "Suburban" or "Rural" must be selected | Appraiser must choose only one. | N |
| FHA3205 | Sum of all land uses must be at least 1% but not greater than 100% | It does not have to total 100% for FHA in EAD - flexibility in other land use types not on the form. Use only whole numbers. Form format assumes 000s so entering 170 equals $170,000 | N |
| FHA3210 | Neighborhood Predominant Price must be provided as a whole number | Format issue so that the date can be ingested into FHA legacy systems. | N |
| FHA3300 | Site Area must be greater than "0" unless under condominium ownership | Ensure Site Area is completed as follows: Square Feet: Enter site area as a whole number. Enter "sf" for square feet. If 1 acre or more, enter whole number or decimal. Enter "ac" for acre. If square meters, enter whole number or decimal. Enter "sqm" for square meters. Only the above abbreviation formats may be used. Do not use "square feet", "sq.ft.", "acres", etc. In compliance with Fannie Mae UAD, periods may not be used in the abbreviations. | N |
| FHA3700 | “As is” or a “Subject to” must be provided. If "as is" is selected, no other value may be selected. | At least one of “as is,” “subject to completion,” "subject to the following repairs,” or “subject to the following required inspections,” must be selected in the Reconciliation section. If “as is” is selected, no other value may be selected. One, two or all three of the "Subject to" boxes may be checked as long as the “as-is” box is not also checked. | N |
| FHA4000 | Indication whether the market value of the subject property has declined must be provided | If the 1004D is being submitted as an Appraisal Update the appraiser must check the block to indicate if the market value has declined or not. | N |
| FHA4001 | Appraisal Update indicates that the market value of the subject property has declined in value | Applies only to the 1004D when being used as an update of value. If property Declined, appraiser must mark that and the mortgagee must get a new appraisal. Overrideable so that the mortgagee must acknowledge the market condition reported by the appraiser | Y |
| FHA4100 | Form purpose must be provided; "Summary Appraisal Update Report" and/or "Certificate of Completion" must be selected | If the 1004D is being submitted as a Completion Report, this section must not be completed. On the 1004D, the appraiser must check the appropriate block to indicate the service provided by selecting: Summary Appraisal Update Report or Certification of Completion. | N |
| FHA4200 | Effective Date of Appraisal must be provided as a valid date | The Effective Date must be entered using the format: MM/DD/YYYY. | N |
| FHA4205 | Effective Date of Appraisal Update must be provided as a valid date | The Effective Date of this appraisal update must be entered using the format: MM/DD/YYYY. | N |
| FHA5000 | Building Status must be provided; only one of "Existing," "Proposed" or "Under Construction" must be selected | The appraiser must check only one: "Existing," "Proposed" or "Under Const." | N |
| FHA5005 | Year Built must be provided in YYYY format; if proposed or under construction, enter current year. | Year built must be provided in a numeric only format: YYYY. If Proposed or Under Construction, enter the current year. Text must not be entered. | N |
| FHA5010 | Effective Age must be provided as a whole number or a range of two whole numbers; if new, enter “0”. | Effective Age must be entered as a whole number or a range of two whole numbers. Do not enter text. e.g., “25” “15-20”. If new, enter “0”. | N |
| FHA5015 | Improvement Type must be provided; only one of "Detached," "Attached" or "Semi-Detached/End Unit" must be selected | Appraiser to choose only one. | N |
| FHA5016 | Project Description must be provided; only one of "Detached," "Row or Townhouse," "Garden," "Mid-Rise," "High-Rise" or "Other" must be selected | Condo appraiser must choose only one | N |
| FHA5100 | Foundation Type must be provided; at least one value must be selected | At least one Foundation Type value must be entered. If the Foundation Type is selected, ensure the appraiser’s software is updated with the most current version. (The appraiser may be using an older version or may have cloned an old report which is not loading correctly.) Note: Software providers are working on a solution for the erroneous transmission of this hard stop message for manufactured homes. | N |
| FHA5200 | Car Storage Type must be provided; at least one option (or "None") must be selected | Must not be blank. None is a legitimate choice | N |
| FHA5400 | Number of rooms must be provided as a whole number | Format issue so that the date can be ingested into FHA legacy systems. | N |
| FHA5401 | Number of rooms must be greater than or equal to the number of bedrooms | Format issue so that the date can be ingested into FHA legacy systems. | N |
| FHA5405 | Number of bedrooms must be provided as a whole number greater than or equal to 0 | Format issue so that the date can be ingested into FHA legacy systems. | N |
| FHA5410 | Number of bathrooms must be provided and must be greater than or equal to 0 | Number of bathrooms must be entered in a numeric format. May be greater than or equal to “0”. | N |
| FHA6000 | A transfer in the past 3 years was indicated; the Price of Prior Sale/Transfer must be provided and greater than or equal to 0 | Format issue so that the date can be ingested into FHA legacy systems. Non-disclosure states, enter $0 and explain in the analysis. | N |
| FHA6005 | Gross Living Area must be provided and must be greater than 0 | Gross living area must be entered in a numeric only format. Text must not be entered in this field. Incorrect - 1238 square feet, 1238 sq. ft, etc. Correct - 1238 | N |