ࡱ>  bjbj΀ O(JJ8$$G8 !!!!! 7777777Q:<*7  7!!8""" !!7" 7""x1,3!p"=-[!p2780G82=!=(,3,3&=R3 " 77k"| G8 = J S: September 18, 2009 MORTGAGEE LETTER 2009-29 TO: ALL APPROVED MORTGAGEES ALL FHA ROSTER APPRAISERS SUBJECT: Appraisal Portability This mortgagee letter addresses the portability of appraisals for the purpose of facilitating the loan process when a borrower switches from one Federal Housing Administration (FHA) approved lender (first lender) to another (second lender) and an appraisal was ordered by and completed for the first lender. This mortgagee letter will be effective for all case numbers assigned on or after January 1, 2010. FHA prohibits appraiser shopping where lenders order additional appraisals in an effort to assure the highest possible value for the property and/or the least amount of deficiencies and/or repairs are noted and required by the appraiser. However, a second appraisal may be ordered by the second lender under the following limited circumstances: The first appraisal contains material deficiencies as determined by the Direct Endorsement underwriter for the second lender. The appraiser performing the first appraisal is on the second lenders exclusionary list of appraisers. Failure of the first lender to provide a copy of the appraisal to the second lender in a timely manner would cause a delay in closing, posing potential harm to the borrower. Potential harm includes events outside the control of the borrower such as loss of interest rate lock, purchase contract deadline, foreclosure proceedings, and late fees. For cases in 1 and 2 above, the lender must ensure that copies of both appraisals are retained in the case binder. For cases in 3 above, the first appraisal must be added to the case binder when it is received. In all cases, the lender must document why a second appraisal was ordered and retain the explanation in the case binder. Appraisal Transfer and Change of Client Name in Appraisal Report In cases where a borrower has switched lenders, the first lender must, at the borrowers request, transfer the case to the second lender. FHA does not require that the client name on the appraisal be changed when it is transferred to another lender. In accordance with the Uniform Standards of Professional Appraisal Practice (USPAP), the lender is not permitted to request that the appraiser change the name of the client within the appraisal report unless it is a new appraisal assignment. To effect a client name change, the second lender and the original appraiser may engage in a new appraisal assignment wherein the scope of work is limited to the client name change. A new client name should include the name of the client (lender) and HUD. Appraiser Selection in FHA Connection Lenders must assure that the appraiser who actually conducted the appraisal that is used for an FHA-insured mortgage is correctly identified in FHA Connection. Lender Compliance Lenders who fail to comply with the requirements set forth in this mortgagee letter will be subject to administrative sanctions. If you should have any questions concerning this Mortgagee Letter, call 1-800-CALLFHA. Persons with hearing or speech impairments may access this number via TDD/TTY by calling 1-877-TDD-2HUD (1-877-833-2483) Sincerely, David H. Stevens Assistant Secretary for Housing- Federal Housing Commissioner Paperwork Reduction Act Paperwork reduction information collection requirements contained in this document have been approved by the Office of Management and Budget (OMB) under the Paperwork Reduction Act of 1995 (44 U.S.C. 3501-3520) and assigned OMB control number 2502-0059. In accordance with the Paperwork Reduction Act, HUD may not conduct or sponsor, and a person is not required to respond to, a collection of information unless the collection displays a currently valid OMB Control Number.   ()*,-/24MNhijrs A P _ j z % ) 3  ! 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L^ `L. ^ `.x^x`.HL^H`L.^`.^`.L^`L.xMT(VNST^[                                                      "8        8*z:jVjog>vc XM ze {c  fT/Q|[D **=5/JTu#]%)6+&jo!O4 3} =!%%F%C 'w'S0'(?O(/+3+3+},.>.E#/Y5/9j0}z3-94?4u"7 8;b;=V[=c=->z7?O?|AG?B]CsVClCi\EX~FtHEH&7I[IPKLc7LYMdMN4N^NOQN|QALShSnAT{iK<KbU)La%Wy@(x#\n/HemuLTn$ 9%ax!x*GW" Hkk#3Ys':Lssw:[n6C_a7= @RilL@P@UnknownG* Times New Roman5Symbol3. * Arial_ Times RomanTimes New Roman?= * Courier New5. *aTahoma;WingdingsA BCambria Math"1FF< < xx02P  ?/J6!xx(       Oh+'0  $ 0 <HPX`hNormal1Microsoft Office Word@@$1-@$1-< GVT$m3 Z&" WMFCF \a\lVT$m EMF\t\KhC   Rp@Times New Roman" &#RO`2& # |$%$O`2& # o.1 #& l,o.1  G* Times ew Roman &@#9'1|#|#z%1#l,dv% % %   TTeKKKAJALP !"  TT3KKKAJA,LP !"  TKKKAJALpSeptember 18, 2009  TT KKKAJALP  TTKKKAJA LP Rp@Times New Roman" &#RO`2& # |$%$O`2& # o.1 #& |-o.1  G* Times ew Roman &@#9'1|#|#z%1#|-dv% % %  Tn:KKKAJA4LtMORTGAGEE LETTER 200 TTo:KKKAJAo4LP9TT:KKKAJA4LP- TX:KKKAJA4LP29TT:KKKAJA4LP  TT< `KKKAJAZLP  TTb KKKAJALP  T`3KKKAJALTTO: TT4]KKKAJA4LP *TT^KKKAJA^LP dTKKKAJAL|ALL APPROVED MORTGAGEESTTKKKAJALP  TT]KKKAJALP dTT^KKKAJA^LP dTKKKAJALALL FHA ROSTER APPRAISERS TTKKKAJALP  % % % TTKKKAJALP !"  TT KKKAJALP !"  % % % T|"FKKKAJA@L\SUBJECT: TT"FKKKAJA@LP *T"FKKKAJA@LxAppraisal Portability    TT"FKKKAJA@LP !"  % % % TT^HllKKKAJA^eLP  TTo]KKKAJALP dT^oyKKKAJA^LxThis mortgagee letter      TzoUKKKAJAz;Laddresses the portability of appraisals for the purpose of                 !"  TKKKAJA Ldfacilitating   TTKKKAJALP TKKKAJAL|the loan process when a    TTKKKAJALP T<KKKAJALborrower switches from one      T=KKKAJA=LlFederal Housing    !"  T$KKKAJALxAdministration (FHA)      T%KKKAJA%Llapproved lender   TTKKKAJALP TKKKAJALh(first lender)   TTKKKAJALP T(KKKAJA L`to another   TT)0KKKAJA)LP T1KKKAJA1Ll(second lender)   TTKKKAJALP Tx]KKKAJAL\and an !"  TvKKKAJA L`appraisal   T`wKKKAJAwLTwas TTKKKAJALP T:KKKAJA L`ordered by  TT;BKKKAJA;LP TC.KKKAJAC&" WMFC \A\Lpand completed for    TT/6KKKAJA/LP T6KKKAJA7Llthe first lender    TdKKKAJALT. T.KKKAJALxThis mortgagee letter      T|/KKKAJA/L\will be   !"  T,KKKAJA%!Leffective for all case numbers as        T Z,KKKAJA%#Lsigned on or after January 1, 2010.       TT[i,KKKAJA[%LP !"  TT.RKKKAJAKLP !" Rp @Times New Roman&#RO`2& # |$%$O`2& # o.1 #& l,o.1  G* Times ew oman &@#9'1|#|#z%1#l,dvdv% Rp@Times New Romanl,o.1  4!|(O$"A|h]||d! @wN!lp1$ U   P ".0O$"!|0O$PO$"#Iwwdv% ( Rp @Times New Roman|(O$"A|h]||d! @w p1$4!|(O$"A|h|d! @ ! |`|]|j|}|  D$ @w P !h1||}|:wD$N!lIwwdv% ( Rp@Times New Roman|(O$"A|h|d! @ 4!|(O$"A|h|d! @ ! |`|]|j|}|p D$ @w P !h1||}|:wD$N!lIwwdv% ( Rp @Times New Roman|(O$"A|h|d! @ 4!|(O$"A|h|d! @ ! |`|]|j|}|  D$ @w P !h1||}|:wD$N!lIwwdv% ( % (  Td^UyKKKAJA^rLTFHA TU yKKKAJAr L`prohibits    T!UyKKKAJA!rEL appraiser shopping where lenders order additional appraisals in an                  T\{BKKKAJAXLeffort to assure the highest possible value for the property and/or the least amount of                         TMKKKAJALdeficiencies and/or repairs        TTNUKKKAJANLP T`V}KKKAJAVLTare TT~KKKAJA~LP TYKKKAJALlnoted and requir   TZKKKAJAZLed by the appraiser. However,     TTKKKAJALP TTKKKAJALPaTT KKKAJALP Tx lKKKAJA L\second   TFKKKAJALappraisal may be ordered     TGYKKKAJAGLxby the second lender     TZ_KKKAJAZLtunder the following      T|`KKKAJA`L\limited  TKKKAJALhcircumstances:   TTKKKAJALP  TTKKKAJA LP Rp@"Arial! P%"RO`2P%H" #4%$O`2P%H" o.1H"P% .o.1  3.* Arial" ~2|"9'1""z%1".dv% % %  % % % TX8KKKAJA1LP1.% % % TT7KKKAJA1LP % % % TT8&" WMFC \!\KKKAJA1LPTT 8KKKAJA1NLhe first appraisal contains material deficiencies as determined by the Direct                      T;_KKKAJAXL|Endorsement underwriter      T;"_KKKAJAXLxfor the second lender      TT#;+_KKKAJA#XLP. TT,;:_KKKAJA,XLP  % % % TXaKKKAJA~LP2.% % % TT_KKKAJA~LP % % % TTaKKKAJA~LPTTaBKKKAJA~FLhe appraiser performing the first appraisal is on the second lender s                  TBKKKAJALexclusionary list of appraisers        TTCJKKKAJACLP.TTKSKKKAJAKLP TTTbKKKAJATLP  % % % TXKKKAJALP3.% % % TTKKKAJALP % % % TuKKKAJAMLFailure of the first lender to provide a copy of the appraisal to the second                     TwKKKAJAILlender in a timely manner would cause a delay in closing, posing potentia               TXxKKKAJAxLPl  TKKKAJALxharm to the borrower.     TTKKKAJALP  TT!EKKKAJA>LP  TG2kKKKAJAdL|Potential harm includes        Tp3GkKKKAJA3dLXevents TTGkKKKAJAdLP TGkKKKAJAd=Loutside the control of the borrower such as loss of interest                    Tm&KKKAJA@Lrate lock, purchase contract deadline, foreclosure proceedings,                Td'm]KKKAJA'LTand T^mKKKAJA^ L`late fees.    TTmKKKAJALP  TT^lKKKAJA^LP  Td^KKKAJA^LTFor  TlKKKAJALXcases  TTKKKAJALP TKKKAJALlin 1 and 2 above TpKKKAJALX, the  TpCKKKAJALXlender  TTDKKKKAJADLP TLVKKKAJALLtmust ensure that cop     TWKKKAJAWLies of both appraisals are         TcKKKAJALretained in the case binder.        TduKKKAJAd?LFor cases in 3 above, the first appraisal must be added to the               TPL+&" WMFC \\KKKAJA$VLcase binder when it is received. In all cases, the lender must document why a second                    Tx-zQKKKAJAJ2Lappraisal was ordered and retain the explanation i            T{-kQKKKAJA{JLtn the case binder.     TTl-zQKKKAJAlJLP  TT^SlwKKKAJA^pLP  % % % TzKKKAJALpAppraisal Transfer   TTz KKKAJALP TdzIKKKAJALTand TDJzKKKAJAJ)LChange of Client Name in Appraisal Report       TTzKKKAJALP  % % % TT^lKKKAJA^LP  T^"KKKAJA^LlIn cases where    T,#KKKAJA#%La borrower has switched lenders, the          Tl6KKKAJALXfirst TT7>KKKAJA7LP T?KKKAJA? Lhlender must,   TXKKKAJALPat TTKKKAJALP Td5KKKAJALTthe  T<KKKAJA (Lborrower s request, transfer the case to          TTKKKAJA LP T`KKKAJA LTthe TT%KKKAJA LP T&KKKAJA& Llsecond lender.   TrKKKAJA LFHA does not require that the       TTszKKKAJAs LP  T47KKKAJA0QLclient name on the appraisal be changed when it is transferred to another lender.                TT7KKKAJA0LP  TT^9l]KKKAJA^VLP  T`^`KKKAJA^}LTIn T`JKKKAJA}ILaccordance with the Uniform Standards of Professional Appraisal Practice                     T|{KKKAJAL\(USPAP),  TT|KKKAJA|LP T(KKKAJALhthe lender is    Rp@Times New Roman,$ '%RO`2'$ %t'$O`2'$ o.1$' /o.1  G* Times ew Roman$9'1$$z%1 %/dv% % % % % % T`)RKKKAJA)LTnot '% Ld)R)*!??% ( TTSZKKKAJASLP T[KKKAJA[ Ldpermitted to   TTKKKAJALP T|dKKKAJAL\request  TldKKKAJAeLXthat  TKKKKAJALhthe appraiser    TpLKKKAJALLXchangeTTKKKAJALP T~KKKAJALlthe name of the    % % 66666666&~WMFC\\6666666666666666  ~.@Times New Roman---  2 5f} ,}' 2 Qf} ,}'&2 ]f}September 18, 2009  2 ]}  2 mN} @Times New Roman---)2 }}MORTGAGEE LETTER 200    2 }6}9 2 }<}-2 }A}29 2 }N}  2 f}  2 f} 2 f}TO:  2 }}  2 } ).2 }ALL APPROVED MORTGAGEES     2 }  2 f} ( 2 } )12 }ALL FHA ROSTER APPRAISERS        2 } --- 2 } ,}' 2 } ,}'---2 f}SUBJECT:   2 } +2 }Appraisal PortabilityE  2 /} ,}'--- 2 }  2 f} (,2 }This mortgagee letter  d2 ;}addresses the portability of appraisals for the purpose of t,}'2 f }facilitating 2 } .2 }the loan process when a  2 } 42 "}borrower switches from one    #2 }Federal Housing  ,}'+2 'f}Administration (FHA)   "2 '}approved lender  2 '4}  2 '7}(first lender) 2 'y} 2 '| }to another 2 '} "2 '}(second lender) 2 '} 2 ' }and an :,}'2 7f }appraisal 2 7}was  2 7} 2 7 }ordered by 2 7} %2 7}and completed forH  2 7K} #2 7O}the first lender2 7}. ,2 7}This mortgagee letter  2 7}will be ,}'=2 Gf!}effective for all case numbers as @2 G#}signed on or after January 1, 2010. 2 G} ,}' 2 Vf} ,}' @Times New Roman-@Times New Roman- @Times New Roman-@Times New Roman- @Times New Roman--2 f}FHA  2 f }prohibits s2 fE}appraiser shopping where lenders order additional appraisals in an  2 ufX}effort to assure the highest possible value for the property and/or the least amount of  42 f}deficiencies and/or repairs 2 } 2 }are 2 } #2 }noted and requir:2 ]}ed by the appraiser. However,   2 }  2 }a 2  } 2  }second 12 f}appraisal may be ordered w +2 }by the second lender )2 ]}under the following  2 }limited   2 }circumstances:  2 ?}  2 f} @"Arial------2 }1.--- 2 } --- 2 }T 2 N}he first appraisal contains material deficiencies as determined by the Direct    /2 }Endorsement underwriter   +2 @}for the second lendere 2 }. 2 } ---2 }2.--- 2 } --- 2 }T t2 F}he appraiser performing the first appraisal is on the second lenders  :2 }exclusionary list of appraisers 2 T}. 2 W}  2 Z} ---2 }3.--- 2 } ---2 M}Failure of the first lender to provide a copy of the appraisal to the second y2 I}lender in a timely manner would cause a delay in closing, posing potentiao   2 9}l +2 }harm to the borrower.   2 *}  2 !} /2 0f}Potential harm includes  2 0}events 2 0} g2 0 =}outside the control of the borrower such as loss of interest  k2 ?f@}rate lock, purchase contract deadline, foreclosure proceedings, 2 ?}and 2 ? }late fees. 2 ?}  2 O} 2 _}For 2 _}casess 2 _} #2 _}in 1 and 2 above2 _}, the 2 _3}lender 2 _T} )2 _W}must ensure that cop 42 _}ies of both appraisals are s82 nf}retained in the case binder. j2 n?}For cases in 3 above, the first appraisal must be added to the  2 ~fV}case binder when it is received. In all cases, the lender must document why a second     V2 f2}appraisal was ordered and retain the explanation i )2 j}n the case binder.  2 }  2 } ---&2 f}Appraisal Transfer   2 } 2 }and I2 )}Change of Client Name in Appraisal Report       2 } --- 2 } "2 }In cases where  C2 %}a borrower has switched lenders, the   2 }firstr 2 } 2  }lender must,  2 }at 2 } 2  }the G2 f(}borrowers request, transfer the case to  2 1} 2 5}the 2 D} #2 H}second lender. 72 }FHA does not require that the  2 7} 2 fQ}client name on the appraisal be changed when it is transferred to another lender.c   2  }  2 } 2 }In y2 I}accordance with the Uniform Standards of Professional Appraisal Practice o    2 f}(USPAP),   2 }  2 }the lender is @Times New Roman------2 }not- @ !- 2 } 2  }permitted to  2 5} 2 8}request 2 a}that s 2 y}the appraiser 2 }change 2 } #2 }the name of the  "System--}}||||||{{{{՜.+,0 hp|    Title  !"#$%&'()*+,-./012356789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root Entry F ~F=-1TableE=WordDocumentO(SummaryInformation(48DocumentSummaryInformation8CompObjy  F'Microsoft Office Word 97-2003 Document MSWordDocWord.Document.89qRoot Entry F$&31TableE=WordDocumentO(SummaryInformation(48 CycleID_NewReviewCycle YDocumentSummaryInformation8CompObjy  F'Microsoft Office Word 97-2003 Document MSWordDocWord.Document.89q՜.+,D՜.+,, hp|    Title0_AdHocReview