AWACSMortgage compliance intelligence from Flightline

FHA · Mortgagee Letter ML 2025-24 · Published

Updates to FHA Appraiser Roster Management

FHA has updated its Appraiser Roster management policies, requiring appraisers to electronically complete and sign Form HUD-92563-A in FHAC and ensure their FHAC name matches the ASC National Registry. Credential records are now validated automatically via the ASC, eliminating renewal PDF uploads, and expired credentials result in state suspension rather than roster removal.

Action requiredIn effect nowChecks passed· adjusted automaticallyRead the letter ↗ (opens in a new tab)

Loan impact

From the letter text · needs review

Applies to: FHA-insured Single-Family Title II forward mortgage and Home Equity Conversion Mortgage (HECM) programs.

Addressed to
All FHA-Approved Mortgagees
Investor
FHAFrom the publisher, not quoted from the text
Programs
FHAFrom the publisher, not quoted from the text
Affected area
EnforcementGuide Section I.B.1.c.ii(A)
Affected documents
Form HUD-92563-A
Applicability confidence
Needs review: some rows could not be matched to a quote from the source
Supporting quotes from the letter
  • affected areas“FHA may remove an Appraiser’s eligibility from the FHA Appraiser Roster for failure to comply with the requirements outlined in this Handbook 4000.1.”
  • guide sections“The Handbook 4000.1 sections impacted by this ML are provided in Attachment 1, with changes tracked in redline to help users clearly identify the policy requirements being revised or removed from the Handbook.”
  • affected documents“The appraiser must complete form HUD-92563-A, Application for Roster Personnel Designation, on-line and electronically sign in FHAC.”

What changed

From the letter text · Sections I.B.1.c.ii(A), I.B.1.c.ii(B), I.B.1.d, I.B.1.e, V.E.5.e.i(B), V.E.5.e.i(C)
RequirementPreviouslyNow
Form HUD-92563-A submission and electronic signatureChangedRequiredSection I.B.1.c.ii(A)Previously: The appraiser must sign this form, scan it, and save it in a PDF format for delivery to FHA.The appraiser must complete form HUD-92563-A on-line and electronically sign in FHAC.
State credential upload requirement for renewalsRemovedSection I.B.1.c.ii(B)Not statedA copy of the current credential is not required for renewals.
State certification PDF uploadTightenedSection I.B.1.c.ii(B)Not statedThe appraiser must provide a PDF image of their current state-issued certification for each state in which the appraiser holds a valid certification.
FHAC appraiser name matching ASC National RegistryNewRequiredSection I.B.1.dNew requirementThe Appraiser’s name in FHAC must match the ASC National Registry exactly to facilitate automated updates.
Performance of FHA assignments during credential invalidation periodRelaxedSection I.B.1.dNot statedDuring this period, Appraisers may continue performing FHA assignments only when they have a valid renewal issued from the state with a credential expiration date after the effective date of the appraisal.
Appraiser credential standing when completing FHA assignmentsTightenedSection I.B.1.eNot statedWhen completing any FHA assignment, the Appraiser must have a valid appraisal credential and be in good standing on the FHA Appraiser Roster for the state in which the Property is located.
Remedial education completion timeframeTightenedSection V.E.5.e.i(B)Not statedThe Appraiser must complete remedial education within 60 Days of the date of notification and provide proof of successful completion.
Classification of expired state credentialsRelaxedSection V.E.5.e.i(C)Not statedThe expiration of a state-issued credential results in suspension of eligibility in FHAC for that state rather than a removal sanction, preserving eligibility in other states where the appraiser has a valid credential.

What to do

AWACS interpretation · not source language

What to review: Review FHA appraiser onboarding and roster management procedures immediately to confirm that Form HUD-92563-A is completed and signed electronically in FHAC and that appraiser names align exactly with the ASC National Registry.

Appraisal

Ensure appraisers complete Form HUD-92563-A online, sign electronically in FHAC, and maintain an exact name match with the ASC National Registry immediately.

QC implications

  • Test appraisal files to verify that the appraiser's name in FHAC matches the ASC National Registry exactly.
  • Sample appraisals completed during credential invalidation periods to confirm the appraiser held a valid state renewal expiring after the appraisal effective date.

Source and record

Version 1 · archived

Checks

  • Source verified: Passed

    The document ID, link and publication date match the official source.

  • Quotes match the source: Passed, adjusted automatically

    Every quoted passage appears word for word in the official document.

    • A detail the source does not support was removed or adjusted

  • Requirements backed by the source: Passed, adjusted automatically

    Anything marked required is backed by the requirement language and dates in the source.

    • A detail the source does not support was removed or adjusted
    • An independent check could not confirm a requirement; it is shown as review, not action

  • In scope: Passed

    The document is about residential mortgage lending.

  • Format and labels: Passed, adjusted automatically

    The record follows the AWACS format and uses its standard labels.

    • A detail the source does not support was removed or adjusted