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## II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT

### D. Appraiser and Property Requirements for Title If Forward and Reverse Mortgages

#### 2. General Appraiser Requirements

##### a. Nondiscrimination Policy (11/07/2023)

The Appraiser must be knowledgeable of and fully comply with all federal, state, and local laws, including any antidiscrimination laws, rules applicable to the appraisal of the subject Property, or any provisions of the Fair Housing Act.

No part of the appraisal analysis or reporting may be based on the race, color, religion, sex (including sexual orientation or gender identity), age, national origin, familial status, disability, marital status, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act of either the prospective owners or occupants of the Property, present owners or occupants of the Property, or the present owners or occupants of the properties in the vicinity of the Property, or on any other basis prohibited by federal, state, or local law.

##### b. Compliance with FHA Guidelines and USPAP (04/10/2025)

The Appraiser must follow FHA guidance and comply with the Uniform Standards of Professional Appraisal Practice (USPAP) when completing appraisals of Property used as security for FHA-insured Mortgages. The Appraiser must observe, analyze, and report whether the Property meets HUD’s Property Acceptability Criteria, including Minimum Property Requirements (MPR) and Minimum Property Standards (MPS).

MPR refers to general requirements that all homes insured by FHA be safe, sound, and secure.

MPS refers to regulatory requirements relating to the safety, soundness, and security of New Construction.

Every Property must be safe, sound, and secure so that the Mortgagee can determine eligibility. The Appraiser must note every instance where the Property is not safe, sound, and secure and does not comply with HUD’s MPR and MPS, or they must clearly state when no deficiencies with HUD’s Property Acceptability Criteria have been observed or are known.

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**Handbook 4000.1 817**  
Last Revised: 01/10/2025
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