Appliances refer to refrigerators, ranges/ovens, dishwashers, disposals, microwaves and washers/dryers.
Appliances that are to remain and that contribute to the market value opinion must be operational.
The Appraiser must note all appliances that remain and contribute to the Market Value.
The Mortgagee must ensure that appliances that are to remain and that contribute to the market value opinion are present and operational.
For policy information see Handbook 4000.1 Sections II.A.3.a.ii(F) and II.D.3.e.iii. at