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FHA Guidelines. Save it to your desktop

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http://www.HUD.gov/groups/appraisers.cfm

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/4235.1/index.cfm


http://portal.HUD.gov/portal/page/portal/FHA_Home


http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-8f.cfm

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/4150.1/index.cfm

http://www.HUD.gov/offices/adm/hudclips/letters/mortgagee/ mortgage letters

http://www.HUD.gov/offices/hsg/sfh/faqs/atl1val.cfm

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/4150.2/index.cfm :blush: this is the main one

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-12.cfm


Until next time.....
 
one more

http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm Appraisal and Property Requirements
 
No case # no appraisal. Get paid and do it right. Just common sense We have lost touch with common sense and it comes from the lenders. Writing loans nobody can pay back? No common sense! Reelecting Gov officials who take sweet heart mortgages and bribes. No common sense! Crossing a street while blind with Andrew Cuomo as your guide. No sense at all!!!!!
 
Just released today

http://www.HUD.gov/groups/appraisers.cfm

Enjoy!


Most important ML Letter http://www.HUD.gov/offices/adm/hudclips/letters/mortgagee/files/05-48ml.pdf

Frequently Asked Questions Valuation Protocol http://www.HUD.gov/offices/hsg/sfh/appr/aprval.pdf


Others

http://www.HUD.gov/groups/appraisers.cfm main site

http://www.HUD.gov/offices/adm/hudcl...35.1/index.cfm home equity


http://portal.HUD.gov/portal/page/portal/FHA_Home FHA website


http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm reference guide (203k, condo, sewer, repair conditions, power lines, etc.)

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/ hand books for all

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-8f.cfm construction and new homes

http://www.HUD.gov/offices/adm/hudcl...50.1/index.cfm 4150.1 STILL APPLICABLE

http://www.HUD.gov/offices/adm/hudcl...ers/mortgagee/ mortgage letters

http://www.HUD.gov/offices/hsg/sfh/faqs/atl1val.cfm freq. asked questions

http://www.HUD.gov/offices/adm/hudcl...50.2/index.cfm :blush: this is the main one 4150.2 and appendix d valuation protocol

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-12.cfm reverse mortgages

http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm Appraisal and Property Requirements
 
Last edited:
Free FHA training videos with Q&A:
http://www.HUD.gov/webcasts/archives/sinfamily.cfm
Grab a cup of joe, sit back and relax, you'll need the coffee.





http://www.HUD.gov/groups/appraisers.cfm



Most important ML Letter http://www.HUD.gov/offices/adm/hudcl...es/05-48ml.pdf

Frequently Asked Questions Valuation Protocol http://www.HUD.gov/offices/hsg/sfh/appr/aprval.pdf


Others

http://www.HUD.gov/groups/appraisers.cfm main site

http://www.HUD.gov/offices/adm/hudcl...35.1/index.cfm home equity


http://portal.HUD.gov/portal/page/portal/FHA_Home FHA website


http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm reference guide (203k, condo, sewer, repair conditions, power lines, etc.)

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/ hand books for all

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-8f.cfm construction and new homes

http://www.HUD.gov/offices/adm/hudcl...50.1/index.cfm 4150.1 STILL APPLICABLE

http://www.HUD.gov/offices/adm/hudcl...ers/mortgagee/ mortgage letters

http://www.HUD.gov/offices/hsg/sfh/faqs/atl1val.cfm freq. asked questions

http://www.HUD.gov/offices/adm/hudcl...50.2/index.cfm :blush: this is the main one 4150.2 and appendix d valuation protocol

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-12.cfm reverse mortgages

http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm Appraisal and Property Requirements
 
New FHA and Fannie Regulations on condominium units

No more than 15% of project should have more than 30 days delinquent on HOA fee. FHA as of Nov 2, Fannie, current.

No more spot approval ( FHA)

For less than 25% down payment, borrower pays extra fee equal to 75% of closing cost regardless of credit scores (fannie)

No more than 20% of project floor non residential (fannie) no more than 25% of project floor
commercial(FHA)

For new construction, at least 70% of units should be sold (fannie)

Fedility insurance for projects with 20 or more units insuring HOA fund(fannie)

Borrower to obtain HO-6 insurance coverage unless the HOA has master policy interior
coverage.(fannie)

The coverage cannot be less than 20% of assessed value (fannie)

at least 50% of units owner occupied (both)

Very tough for condo owners to get a loan.
 
Free FHA training videos with Q&A:
http://www.HUD.gov/webcasts/archives/sinfamily.cfm
Grab a cup of joe, sit back and relax, you'll need the coffee.


http://www.HUD.gov/groups/appraisers.cfm



Most important ML Letter http://www.HUD.gov/offices/adm/hudcl...es/05-48ml.pdf

Frequently Asked Questions Valuation Protocol http://www.HUD.gov/offices/hsg/sfh/appr/aprval.pdf


Others

http://www.HUD.gov/groups/appraisers.cfm main site

http://www.HUD.gov/offices/adm/hudcl...35.1/index.cfm home equity


http://portal.HUD.gov/portal/page/portal/FHA_Home FHA website


http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm reference guide (203k, condo, sewer, repair conditions, power lines, etc.)

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/ hand books for all

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-8f.cfm construction and new homes

http://www.HUD.gov/offices/adm/hudcl...50.1/index.cfm 4150.1 STILL APPLICABLE

http://www.HUD.gov/offices/adm/hudcl...ers/mortgagee/ mortgage letters

http://www.HUD.gov/offices/hsg/sfh/faqs/atl1val.cfm freq. asked questions

http://www.HUD.gov/offices/adm/hudcl...50.2/index.cfm :blush: this is the main one 4150.2 and appendix d valuation protocol

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-12.cfm reverse mortgages

http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm Appraisal and Property Requirements
 
Free FHA training videos with Q&A:
http://www.HUD.gov/webcasts/archives/sinfamily.cfm
Grab a cup of joe, sit back and relax, you'll need the coffee.


http://www.HUD.gov/groups/appraisers.cfm



Most important ML Letter http://www.HUD.gov/offices/adm/hudcl...es/05-48ml.pdf

Frequently Asked Questions Valuation Protocol http://www.HUD.gov/offices/hsg/sfh/appr/aprval.pdf


Others

http://www.HUD.gov/groups/appraisers.cfm main site

http://www.HUD.gov/offices/adm/hudcl...35.1/index.cfm home equity


http://portal.HUD.gov/portal/page/portal/FHA_Home FHA website


http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm reference guide (203k, condo, sewer, repair conditions, power lines, etc.)

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/ hand books for all

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-8f.cfm construction and new homes

http://www.HUD.gov/offices/adm/hudcl...50.1/index.cfm 4150.1 STILL APPLICABLE

http://www.HUD.gov/offices/adm/hudcl...ers/mortgagee/ mortgage letters

http://www.HUD.gov/offices/hsg/sfh/faqs/atl1val.cfm freq. asked questions

http://www.HUD.gov/offices/adm/hudcl...50.2/index.cfm :blush: this is the main one 4150.2 and appendix d valuation protocol

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp1-12.cfm reverse mortgages

http://www.HUD.gov/offices/hsg/sfh/ref/chap1.cfm Appraisal and Property Requirements


TRANSFERRING APPRAISALS
http://www.HUD.gov/offices/adm/hudclips/letters/mortgagee/files/09-29ml.doc

http://www.HUD.gov/offices/hsg/sfh/ref/sfhp2-17.cfm

http://www.HUD.gov/offices/adm/hudclips/handbooks/hsgh/4000.2/40002c4HSGH.doc
 
Most FHA Links Not Working

Here is a good link to the Valuation Analysis for One-to-Four-Unit Dwellings . It even has a table of contents for quick reference. Save it to your desktop!! Another format FHA Appraiser Valuation Analysis

More FHA INFO

And if you still need more....


Appraiser Frequently asked Appraisal Questions for FHA Appraisers

FHA Vuation Protocol

Permanant Foundation Guide for Manufactured Homes

Other appraisal requirements (some info about liquidation appraisals)



Enjoy!!
Most of the links are broken.
 
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