HUD-compliant appraisals for FHA-insured home loans
FHA loans help millions of Americans achieve homeownership with lower down payments and more flexible credit requirements. FHA appraisals, however, have unique requirements beyond standard property valuations. As FHA-approved appraisers, we understand HUD guidelines and ensure your property meets all health, safety, and marketability standards required for FHA financing.
Whether you're a first-time homebuyer using an FHA 203(b) loan, refinancing with an FHA Streamline, or purchasing a fixer-upper with FHA 203(k) financing, our comprehensive FHA appraisals provide the detailed property assessment and valuation that HUD and FHA lenders require.
FHA appraisals include additional requirements to protect buyers and lenders
FHA requires properties to be safe, sound, and secure. We inspect for hazards, structural issues, and code violations that could impact habitability or safety.
Beyond valuation, we assess mechanical systems, structural integrity, roof condition, and foundation to ensure the property meets minimum property standards.
Certain deficiencies must be repaired before loan approval. We identify required repairs and distinguish them from recommended maintenance.
All appraisals must follow HUD Handbook 4000.1 requirements and use FHA-specific forms and reporting standards.
Standard FHA loan for home purchases with as little as 3.5% down payment.
Quick refinance for existing FHA borrowers with minimal documentation and no appraisal required in many cases.
Financing that includes purchase price plus renovation costs for fixer-upper properties.
Refinance to access home equity while maintaining FHA insurance benefits.
Refinance to lower interest rate or change loan terms without taking cash out.
Appraisals for condominiums in FHA-approved condo projects.
Issues we evaluate during FHA inspections
Minimum 2 years remaining useful life; repairs required for leaks or structural damage
No significant cracks, settlement, or structural deficiencies that affect safety
Heating, cooling, electrical, and plumbing systems must be functional and safe
Adequate water supply and sewage disposal meeting local requirements
Lead-based paint hazards must be addressed in homes built before 1978
Safe access to property, proper handrails, no trip hazards or safety issues
All windows and doors must be functional with no broken glass or missing components
Adequate ventilation, insulation, and no evidence of moisture or pest issues
Fully approved on the FHA Appraiser Roster with extensive experience in HUD-compliant appraisals.
Current with all FHA requirements including Handbook 4000.1 and recent policy updates.
Comprehensive property evaluation covering all FHA health, safety, and soundness requirements.
Detailed reports clearly identifying required repairs vs. recommended maintenance, avoiding delays.
30+ years of Bay Area experience with knowledge of local building codes and common property issues.
Your FHA lender orders the appraisal through the FHA Appraiser Roster.
Comprehensive inspection covering all HUD minimum property standards.
Market analysis and value determination using FHA-approved methodology.
Completed appraisal report submitted to lender via FHA portal.
Required repairs completed and verified before loan closing.
FHA appraisals remain valid for 120 days and "stick" to the property. If your deal falls through, the appraisal transfers to the next FHA buyer, which can be beneficial or challenging depending on the appraised value.
Unlike conventional loans where buyers can often waive inspection contingencies, FHA-required repairs must be completed before loan closing. Factor this into your timeline and negotiations.
FHA appraisers are assigned through the lender's approved appraiser roster. Buyers and sellers cannot select or influence the appraiser choice, ensuring independent valuations.
Work with an FHA-approved appraiser who understands HUD requirements