Just could be their guideline and not required by FNMA. Don't know why they would require it if the appraiser is Licensed though. Unless the subject is outside of the Licensed individuals license level. Then perhaps this is why.
Is the trainee actually licensed, or registered, an associate, has a provisional license or any one of the other many terms used for trainees?
The states are developing rules regarding trainees, such as how many trainees a supervisor can supervise and on which how many inspections a supervisor must accompany his/her trainee.
Additionally, lenders have their own requirements. Many lenders are hip to the fact that, while they ordered from/engaged a well-qualified professional, what they often get is a trainee who can't spell 'appraisal' much less complete one competently.
QUESTION: How is your state handling trainees? It would be interesting to see what the other states are up to.
in dc and md you can get a trainee license without taking the test but i believe you have to have the classes. in VA you need to take all the classes and pass the lic. res. exam. the problem chase is (saying) they are having with me at least is that our hands are tied! licensed (VA) trainees must have a supervisor accompany them and i think FNMA does not require this but i dont have time to research. none of regular lenders have a problem, only the occasional new one. i would just love to be able to quote the guideline if it exists. md, dc and VA regs all say a licensed trainee (knowing how each state gives trainee licenses) can inspect a property and have a sup. sign off w/o inspecting.