FHA appraisals done right the first time
An FHA appraisal does two jobs. It develops an opinion of market value, and it confirms that the home meets HUD’s Minimum Property Requirements, meaning the property is safe, sound and secure. When an FHA appraisal is missing something or unclear, it usually leads to revision requests, repair conditions nobody expected and a delayed closing. A thorough report from an appraiser who does FHA work regularly avoids most of that.
FHA assignments we complete
- FHA purchase appraisals
- FHA rate-and-term and cash-out refinance appraisals
- New construction and proposed construction for FHA financing
- Single-family homes, townhomes, FHA-approved condominiums and 2–4 unit properties
- Appraisals made subject to repairs, plus final inspections once repairs are complete
What FHA appraisers look at beyond value
- Roof condition and remaining life
- Peeling or chipping paint in homes built before 1978
- Utilities on, and heating, electrical and plumbing systems working
- Attic and crawl space access
- Safety hazards such as exposed wiring, trip hazards or missing components
- Well and septic locations on rural properties
For lenders and AMCs
CGL Appraisals takes FHA assignments in Utah, Salt Lake and Tooele counties. Reports are prepared to HUD Handbook 4000.1. Email orders@cglappraisals.com to add us to your panel.
Buyers and sellers: you can’t order an FHA appraisal yourself, because the lender orders it. Getting the house ready ahead of time is the most useful thing you can do. See the questions below.
Serving the Wasatch Front
We provide FHA appraisals throughout Utah County, Salt Lake County, Tooele County—including Provo, Orem, Lehi, Salt Lake City, Sandy, South Jordan, Herriman, Tooele, Grantsville and Stansbury Park.
Frequently asked questions
How can a seller get ready for an FHA appraisal?
Turn on all utilities, and make the attic, crawl space and every room accessible. Scrape and repaint any peeling paint, especially in homes built before 1978. Fix obvious safety issues like exposed wiring or broken steps. Small items like these cause most FHA repair conditions.
Is an FHA appraisal stricter than a conventional appraisal?
The value analysis is the same. What FHA adds is a check of the property against HUD’s Minimum Property Requirements, and items that don’t meet them may have to be repaired before the loan can close.
If I switch lenders, do I need a new FHA appraisal?
Usually not. FHA appraisals are tied to the FHA case number and can generally be transferred to a new lender while the appraisal is still valid. Your loan officer can confirm the details.