C Tann-Starr's Outside Blog


Interesting FHA Appraiser Certification Fact

I need an appraiser for two of my buyers, so I started poking around looking for a few candidates. While doing a bit of recreational reading I stumbled across this quote:

"No later than October 1, 2009, all FHA appraiser roster appraisers in all states and territories must be state certified in order to be eligible to conduct appraisals for FHA-insured mortgages and remain on the FHA Appraiser Roster. Commencing October 1, 2009, all FHA-approved lenders must use state certified appraisers for FHA-insured mortgages."

Here's the link to the full article:


I found myself wondering if I ever asked anyone if they were state certified. I think I just assumed it was a given and was rudely awakened to the fact that it may not be as automatic as I thought. It appears I have been caught assuming and taking this "fact" for granted. I confess and apologize. I'm sharing this because a few of you may have had the same assumption that I did. I'm glad that it will be mandatory Oct 2009 and so far have been using state certified professionals by the luck of the draw (LOL). The possibility of not using one just never occurred to me. I didn't know they existed... I was soooo not paying attention to that one.

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Comment balloon 17 commentsC Tann-Starr • January 21 2009 07:51AM



This is really good information and I am sure that there are more than just you and I that thought the same thing.

Posted by Don Rogers, Realtor, Broker, CDPE, GRI, OnullFallon MO & St Charles County MO homes (Keller Williams Realty Chesterfield) almost 12 years ago


A continued tightening of professional standards and licensing requirements for all real estate practitioners is needed. Thanks for the link on appraisers.


Posted by Richard Iarossi, Crofton MD Real Estate, Annapolis MD Real Estate (Coldwell Banker Residential Brokerage) almost 12 years ago

It must be something about your area.  In Texas they have to be FHA certified and not only is it hard but expensive as well.

Posted by Melody Botting, You Deserve The Best (Broker Associate PenFed Realty) almost 12 years ago

Don, it was a bit unsettling to sit and wonder what I may or may not have done for a client by suggesting they use a particular professional. I collect business cards and network all of the time. This certainly gave me pause...

Posted by C Tann-Starr (Tann Starr & Associates, Inc.) almost 12 years ago

Richard, they seem to be doing an overhaul across the board. It was a long time in coming.

Posted by C Tann-Starr (Tann Starr & Associates, Inc.) almost 12 years ago


I found this information from the inspector I try to use for my buyers.  He is very knowledgeable about all things inspection.  Now, I know how I sound to people who aren't as in to real estate as I am!  LOL.....

Posted by Suzanne McLaughlin, Sabinske & Associates, Realtor (Sabinske & Associates, Inc. (Albertville, St. Michael)) almost 12 years ago

In Kentucky they have to be certified. I went to appraisal school when I first got my real estate license and learned a lot of useful info from a fellow appraiser too. I almost went that direction instead of being a Realtor. 

Posted by Lizette Fitzpatrick, Lizette Realty, Lexington KY MLS - Kentucky Homes (Lizette Realty - Richmond KY) almost 12 years ago

LOL @ Suzanne. I sound a bit crazed on occasion (LMAO).

Posted by C Tann-Starr (Tann Starr & Associates, Inc.) almost 12 years ago

Lizette, I have wondered what being an appraiser is like. Maybe when I have more time on my hands I'll take a few of their classes to learn what they do. :-)

Melodious, I have no idea what is up with my area (LOL). I am learning and trying to discover if this is already mandatory here or about to be. From the article, it appears that it is not mandatory in all states. :-)


Posted by C Tann-Starr (Tann Starr & Associates, Inc.) almost 12 years ago

The appraiser I was an apprentice for, almost ten years ago, was licensed under a USPAP (Uniform Standards of Professional Appraisal Practice).  He could do appraisals in any state.  As an apprentice you work under an appraiser for two years before you are eligible to apply for your own license.  The appraiser has to sign off on every appraisal you write.  There is no statute of limitations, or wasn't ten years ago, on appraisals.  So if you do an appraisal when you are twenty you can be sued for it when you are 60.  Does that make sense?  I am glad I was an apprentice but it was not a career suited for me.  Also, now the association my appraiser belongs to is requiring he obtain his FHA certification even though he does very few FHA related appraisals.  Why?  Because there was enough work for him without spending the extra money.  However, the reason there are FHA appraisers falling off the roster is because they are all struggling to survive in this market.  It is somewhat like being a Realtor and they are directly affected by the mortgage crisis.  No loans, no appraisals, they cannot pay their bills and now they have to pay more fees to do their job.

Posted by Melody Botting, You Deserve The Best (Broker Associate PenFed Realty) almost 12 years ago

Correction- the appraiser I spoke of didn't do ANY FHA related appraisals.  He only does conventional and commercial.  You had to be FHA certified and he wasn't interested.

Posted by Melody Botting, You Deserve The Best (Broker Associate PenFed Realty) almost 12 years ago

Melodious, things are getting very interesting in this regard. Now that the credit crunch is making so many suffer, FHA loans are on the rise over here. I've been talking to my mortgage broker buddy and we hope to adjust to respond to the signs of the times. :-)

Posted by C Tann-Starr (Tann Starr & Associates, Inc.) almost 12 years ago

Search for an FHA certified appraiser here.   http://www.fhaoutreach.gov/lender/appraiser.do

This is HUD's own website. 

Posted by James Graner (Residential Services: http://appraisalmo.com) almost 12 years ago

Here the banks send out the appraisers, they have a pool of appraisers that they pick from.

Posted by JL Boney, III, Columbia, SC Real Estate (Coldwell Banker) almost 12 years ago

Morning C,

The mortgage broker we deal with and the lenders arrange for the appraisal. I, like you, assumed, one never should, that they were State certified.

Posted by Harold "Hal" Place (A1 Connection Realty, Inc.) almost 12 years ago

Hi C -

Believe me, that relatively new ruling caught a couple of my associates off guard... and although they have been in the business for decades, they had to scramble to upgrade their licenses in order to keep their FHA business going by 10/2009. 

In short, just because an appraiser hadn't bothered to upgrade their license from residential to certified (until now), does not make them less of an appraiser.  In the state of Oregon (perhaps all states soon), there will be no such thing as a 'residential' appraiser... you are either 'certified', 'general' or training under someone who is... It's all just a title, really.

I hope you don't mind if I link this to a blog that will be posted here.  Thanks.

Posted by Sara Goodwin, Portland, Oregon Appraiser (Ashcroft & Associates) almost 12 years ago

Sara, I don't mind at all. I think this is very fascinating. Thank you for the link. Will go check it out. :-)

Hal, it really took me by surprise.

JL, seems the banks do and we have buyers that like to do their own, just to have peace of mind. :-)

James, thank you for the website link, :-)

Posted by C Tann-Starr (Tann Starr & Associates, Inc.) almost 12 years ago

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