FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Appraisal Exhibits and Photos (04/10/2025)

FHA Single Family Housing Policy Handbook 4000.1, Part II — 8. Appraisal Exhibits and Photos (04/10/2025)

8. Appraisal Exhibits and Photos (04/10/2025) Handbook 4000.1 1151 Last Revised: 11/26/2025 — My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. — My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. — I have (or have not) made a personal inspection of the property that is the subject of this report. (If more than one person signs this certification, the certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraised property.) — No one provided significant personal property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant personal property appraisal assistance must be stated.) — A field inspector was (or was not) used. I have reviewed and evaluated the work of the inspector and, in accordance with appraisal standards, incorporated those findings into the valuation opinion. I attest to the competency of the inspector and take full responsibility for the value determination of chattel interest. 8. Appraisal Exhibits and Photos (04/10/2025) If the Manufactured Home is already set on the lot, the Appraiser must include a legible street map showing the location of the subject, and, when used, each of the comparable properties, including sales, rentals, listings, etc., utilized. If substantial distance exists between the subject and comparable properties, additional legible maps must be included. The Appraiser must include a building sketch showing the GLA, all exterior dimensions of the house, patios, porches, decks, garages, breezeways, and any other attachments or out buildings contributing value. The Appraiser must show the calculations used to arrive at the estimated GLA. The Appraiser must provide an interior sketch or floor plan for Properties exhibiting functional obsolescence attributable to the floor plan design. The Appraiser must provide photographs as required in the table below and any additional exterior and interior photographs, reports, studies, analysis, or copies of prior listings in support of the Appraiser’s observation and analysis. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT F. Appraiser and Property Requirements for Title I Loans 9. HUD Certification Label Handbook 4000.1 1152 Last Revised: 11/26/2025 FHA Minimum Photograph Requirements Photograph Exhibit Minimum Photograph Requirements Subject Property Exterior • Front and rear at opposite angles to show all sides of the dwelling • Improvements with Contributory Value not captured in the front or rear photographs • Street scene photograph to include a portion of the subject site • For New Construction, include photographs that depict the subject’s grade and drainage • For Proposed Construction, a photograph that shows the grade of the vacant lot • For a Manufactured Home Lot Loan, a photograph that shows the above grade of the vacant lot Subject Property Interior • Kitchen, main living areas, bathrooms, and bedrooms • Any other room representing overall condition • Basement, attic, and crawl space • Recent updates, such as restoration, remodeling, and renovation • For two- to four-unit Properties, also include photographs of hallways, foyers, laundry rooms, and other common areas Comparable Sales, Listings, Pending Sales, Rentals, etc. (applicable to appraisals that use comparable approach) • Front view of each comparable utilized • Photographs must be taken at an angle to depict both the front and the side during the required exterior viewing of the comparable from the street when possible • Multiple Listing Service (MLS) photographs are acceptable to exhibit comparable condition at the time of sale. However, Appraisers must include their own photographs as well, to document compliance View • Photographs of any negative or positive view influences that substantially affect value or marketability Subject Property Deficiencies • Photographs of the deficiency or condition requiring inspection or repair Condominium or Leased Projects • Additional photographs of the common areas and shared amenities of the Condominium Leased Project 9. HUD Certification Label a. Definition (05/09/2022) HUD Certification Label, also known as a HUD seal or HUD tag, refers to a two inch by four inch aluminum plate permanently attached to Manufactured Homes. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT F. Appraiser and Property Requirements for Title I Loans 10. Data Plate Handbook 4000.1 1153 Last Revised: 11/26/2025 b. Standard (05/09/2022) Manufactured Homes must have an affixed HUD Certification Label located at one end of each section of the house, approximately one foot up from the floor and one foot in from the road side, or as near that location on a permanent part of the exterior of the house as practicable. Etched on the HUD Certification Label is the certification label number, also referred to as the HUD label number. Label numbers are not required to be sequential on a multi-section house. c. Required Analysis and Reporting (05/09/2022) The Appraiser must report the HUD label number for all sections, or report that the HUD Certification Label is missing or that the Appraiser was unable to locate it. 10. Data Plate a. Definition (05/09/2022) Data Plate refers to a paper document located on the interior of the Property that contains specific information about the unit and its manufacturer. b. Standard (05/09/2022) Manufactured Homes have a Data Plate affixed in a permanent manner, typically adjacent to the electric service panel, the utility room or within a cabinet in the kitchen. c. Required Analysis and Reporting (05/09/2022) The Appraiser must report the information on the Data Plate within the appraisal, including the manufacturer name, serial number, model and date of manufacture, as well as wind, roof load and thermal zone maps. If the Data Plate is missing or the Appraiser is unable to locate it, the Appraiser must report this in the appraisal and is not required to obtain the Data Plate information from another source. III. SERVICING AND LOSS MITIGATION A. Title II Insured Housing Programs Forward Mortgages 1. Servicing of FHA-Insured Mortgages Handbook 4000.1 1154 Last Revised: 11/26/2025 III. SERVICING AND LOSS MITIGATION A. TITLE II INSURED HOUSING PROGRAMS FORWARD MORTGAGES This section provides the standards and procedures applicable to the servicing of all Single Family (one- to four-units) Mortgages insured under Title II of the National Housing Act, except for Home Equity Conversion Mortgages (HECM). The Mortgagee must fully comply with all of the following standards and procedures when servicing a Mortgage insured by the Federal Housing Administration (FHA). 1. Servicing of FHA-Insured Mortgages Only FHA-approved Mortgagees may service FHA-insured Mortgages. Mortgagees may service Mortgages they hold or that are held by other FHA-approved Mortgagees.

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