How may Hard Stop error messages be reconciled in the Electronic Appraisal Delivery (EAD) Portal?

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 StopDescriptionCause and ResolutionEligible for Override?
Appraiser
FHA201Appraiser must be on the FHA Appraiser RosterEAD 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
FHA202Appraiser must have a valid certification in the state where the property residesEAD 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
FHA203Appraiser certification was not active as of the appraisal effective dateAppraisers 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
FHA204Appraiser certification was terminated as of the appraisal effective dateIf 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
FHA205Appraiser was ineligible as of the appraisal effective dateIf 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
FHA210Appraisal contains supervisory appraiser informationFHA 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
FHA500FHA Case Number is missing or provided in an invalid formatThe 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
FHA501FHA Case Number on appraisal does not match Document FileEnsure the FHA case number within the EAD Portal Document File is correct.  Ensure the appraiser entered the correct FHA case number.N
FHA502FHA Case Number on appraisal is canceled or not foundEnsure 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
FHA503FHA Case Number assigned to property does not match subject addressAddress 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
FHA504FHA Case Number on appraisal is not assigned to lenderFor 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
FHA505FHA Case Number assigned to property does not match subject address stateError 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
9005Invalid form type for Appraisal 1: 1004D/4421004 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
FHA600Appraiser digital signature is missingFor 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
FHA601Appraiser digital signature is in an invalid formatFor 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
FHA602Appraiser digital signature name or certification information does not match appraisalFor 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
FHA603Appraisal could not be validated against appraisal digital signatureFor 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
FHA604Appraiser's signing key does not match appraiserFor 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
100Appraised value is missing or provided in an invalid formatThis is a UCDP hardstop also deployed in EAD. We must have a value estimate and it must be in the right format.N
101Appraised value is less than $5,000This 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
102Appraised value is less than or equal to $0Really 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
200Missing appraiser certification informationEnsure 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
300Missing subject addressMust have an address - see FHA Single Family Appraisal Report and Data Delivery Guide.N
302Unknown subject addressCould be a new construction or issue with USPS database.  Overrideable by MortgageeY
303Invalid address - unit number required or not validatedCondominium addresses can be problematic or an issue with USPS database.  Overrideable by MortgageeY
304Invalid address - multiple units per addressCondominium and multi-family addresses can be problematic or an issue with USPS database.  Overrideable by MortgageeY
401UAD compliance check failure (one or more fatal)These are really serious UAD errors that also violate FHA requirements. Appraiser must fix themN
402UAD compliance check failure (warnings only)These are more minor UAD issues that do not violate FHA requirements.  Overrideable.Y
9000Invalid submission: File too largeExceeds 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 largeN
9001Appraisal data in invalid format: Appraisal file deleted or renamed prior to submissionFHA 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
9001Appraisal data in invalid format: XML is not well-formedFHA 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
9001Appraisal data in invalid format: XML contains non-UTF8 charactersFHA 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
9001Appraisal data in invalid format: XML file type cannot be auto-detectedFHA 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
9001Appraisal data in invalid format: XML file does not match the specified format and formFHA 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
9001Appraisal data in invalid format: XSD check failureFHA 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
9003PDF not included in XML submissionDoes 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)
FHA3100A purchase transaction was indicated; a valid Date of Contract must be providedIf purchase transaction is checked, the date of contract must be entered using the format: MM/DD/YYYY.N
FHA3105A purchase transaction was indicated; the Contract Price must be provided in whole dollarsIf purchase transaction is checked, the sale price must be entered as a whole dollar number (no cents).N
FHA3200Location must be provided. Only one of "Urban," "Suburban" or "Rural" must be selectedAppraiser must choose only one.N
FHA3205Sum 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
FHA3210Neighborhood Predominant Price must be provided as a whole numberFormat issue so that the date can be ingested into FHA legacy systems.N
FHA3300Site Area must be greater than "0" unless under condominium ownershipEnsure 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
FHA4000Indication whether the market value of the subject property has declined must be providedIf 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
FHA4001Appraisal Update indicates that the market value of the subject property has declined in valueApplies 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 appraiserY
FHA4100Form purpose must be provided;  "Summary Appraisal Update Report" and/or "Certificate of Completion" must be selectedIf 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
FHA4200Effective Date of Appraisal must be provided as a valid dateThe Effective Date must be entered using the format: MM/DD/YYYY.N
FHA4205Effective Date of Appraisal Update must be provided as a valid dateThe Effective Date of this appraisal update  must be entered using the format: MM/DD/YYYY.N
FHA5000Building Status must be provided; only one of "Existing," "Proposed" or "Under Construction" must be selectedThe appraiser must check only one: "Existing," "Proposed" or "Under Const."N
FHA5005Year 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
FHA5010Effective 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
FHA5015Improvement Type must be provided; only one of "Detached," "Attached" or "Semi-Detached/End Unit" must be selectedAppraiser to choose only one.N
FHA5016Project Description must be provided; only one of "Detached," "Row or Townhouse," "Garden," "Mid-Rise," "High-Rise" or "Other" must be selectedCondo appraiser must choose only oneN
FHA5100Foundation Type must be provided; at least one value must be selectedAt 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
FHA5200Car Storage Type must be provided; at least one option (or "None") must be selectedMust not be blank.  None is a legitimate choiceN
FHA5400Number of rooms must be provided as a whole numberFormat issue so that the date can be ingested into FHA legacy systems.N
FHA5401Number of rooms must be greater than or equal to the number of bedroomsFormat issue so that the date can be ingested into FHA legacy systems.N
FHA5405Number of bedrooms must be provided as a whole number greater than or equal to 0Format issue so that the date can be ingested into FHA legacy systems.N
FHA5410Number of bathrooms must be provided and must be greater than or equal to 0Number of bathrooms must be entered in a numeric format.  May be greater than or equal to “0”.N
FHA6000A transfer in the past 3 years was indicated; the Price of Prior Sale/Transfer must be provided and greater than or equal to 0Format issue so that the date can be ingested into FHA legacy systems.   Non-disclosure states, enter $0 and explain in the analysis.N
FHA6005Gross Living Area must be provided and must be greater than 0Gross 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  - 1238N
 


 


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-03165