COVID-19: Is FHA continuing to require appraisals with interior property inspections for single family programs during the COVID-19 National Emergency?

In accordance with Mortgagee Letter (ML) 2020-05 and extended by Mortgagee Letter 2020-20, exceptions for two additional appraisal inspection scope of work options may be used for certain cases.  The exterior-only appraisal and the desktop-only appraisal options are permitted when circumstances warrant.  The FHA roster appraiser must complete all required appraisals in accordance with acceptable Appraisal Reporting Forms and Protocols.  The re-extension of Appraisal Guidance is effective immediately for appraisal inspections completed on or before August 31, 2020.
See ML 2020-05 and ML 2020-20 for more program specific details available at:
FHA continues to revise its FHA Single Family COVID-19 information as needed to keep stakeholders updated with the latest information about FHA’s response to the Presidentially-Declared COVID-19 national emergency.  Related information for FHA mortgagees, borrowers and other interested parties is available at: and on the website.

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-05428