This allows the appraiser to ensure the water sewage electrical and heating systems work properly. According to the 2020 fha appraisal guidelines all properties being purchased with an fha insured mortgage loan must be appraised by a licensed hud approved home appraiser. What these guidelines state is that all of the properties that you purchase with an fha insured mortgage loan needs to be appraised by an authorized hud approved appraiser.
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