From: "Saved by Windows Internet Explorer 7" Subject: HUD FHA HOC Reference Guide Chapter 1 Appraisal and Inspections Date: Tue, 21 Jul 2009 13:56:58 -0400 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01CA0A0B.1D66E100" X-MimeOLE: Produced By Microsoft MimeOLE V6.0.6000.16669 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01CA0A0B.1D66E100 Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.hud.gov/offices/hsg/sfh/ref/sfhp1-05.cfm =EF=BB=BF HUD FHA HOC Reference Guide Chapter 1 Appraisal = and Inspections
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Appraisal=20 & Inspection

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Chapter 1
Appraisal & Property=20 Requirements
Page 1-05

A: Appraisal fees

3D"  HUD no longer establishes fees or due dates. = See: Mortgagee=20 Letter 1997-22.
3D"  The appraiser and lender will negotiate the = price and=20 due date. This includes fees for canceled assignments, = missed=20 appointments, etc. Collection of unpaid fees is the=20 responsibility of the appraiser. The Department = expects=20 lenders to promptly pay appraisers for work=20 completed.
3D"  Fee is paid for market value opinions based = on HUD=20 policy and procedure. Fees are never contingent upon = the=20 appraiser arriving at a predetermined specific value, = a=20 predetermined minimum value, a range or direction in = value, a=20 value that favors the cause of any party, or the = attainment of=20 a specific result or occurrence of a specific = subsequent event=20 such as loan approval.
3D"  Appraisal Management Firms may charge the = mortgagor a=20 fee for the appraisal that may encompass fees for = services=20 performed by the firm as well as fees for the = appraisal=20 itself. However, the total of these fees is limited to = the=20 customary and reasonable fee for an appraisal in the = market=20 area where the appraisal is performed. Compliance with = all=20 aspects of RESPA is required While the = owners/operators of=20 such Appraisal Management firms may be licensed, the = appraiser=20 actually performing the FHA appraisal must be on HUD's = approved Roster. No "supervisory" appraisals will be = accepted.=20 That is, the assigned licensed/approved appraiser must = visit=20 the subject and all comparable sales and complete the=20 appraisal analysis. If any portion of the work = involves=20 assistance from others, the appraiser must summarize = the=20 extent of that assistance including providing the name = (s) of=20 those providing assistance. Appraisal trainees are not = eligible to perform nor sign a FHA appraisal=20 = report.

B: Inspection Fees
3D"  Inspection and Mileage Fee. HUD no longer = establishes=20 fees. Please see Mortgagee=20 Letter 2006-04.
3D"  203(k) Inspections. The fees for 203(k)s are = outlined=20 in HUD=20 Handbook 4240.4 Rev-2 and Mortgagee=20 Letter = 1995-40.

C: Appraisal Forms
3D"  Mortgagee=20 Letter 2005-48, Revised Appendix D, Page D-1 = provides=20 instruction on the use the four appraisal forms = released by=20 Fannie Mae in March of 2005. They are:=20
3D"  Uniform Residential Appraisal Report = (FNMA=20 1004)
3D"  Manufactured Home Appraisal Report (FNMA=20 1004C)
3D"  Individual Condominium Unit Appraisal = Report (FNMA=20 1073)
3D"  Small Residential Income Property = Appraisal=20 Report (FNMA=20 = 1025)
3D"  Use of these forms is mandatory for all = appraisals=20 performed on or after January 1,=20 2006

Please see: HUD=20 Handbook 4150.2 Section (1-2)

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