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The appraiser must comply with the Uniform Standards of Professional Appraisal Practice (USPAP) and appraisal regulations, but also follow any additional requirements from the mortgage lender, Freddie Mac, Fannie Mae, FHA, USDA and VFor instance, some loans will require the property to meet certain minimum property requirements.
The basic appraisal calls for information on the property. The information needed to complete the appraisal ranges from comments by the appraiser, if applicable, legal description, sales price, square footage and price per square foot, age, condition, total rooms, date of appraised value and appraised value, among hundreds of other identifying aspects of the property.
Maximum Age of Appraisal Reports. Many lenders will accept an appraisal report when the date of the report is within 120 days of the date you submit the mortgage application, although some lenders may require the maximum age of the appraisal report to be 90 days or less. If you are applying for a mortgage through one of the federal housing programs,
Will My Mortgage Company Conduct an Appraisal on My Refinance? Most mortgage companies will require appraisals to determine a home’s current value. Related Articles
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