{"id":206092,"date":"2025-02-18T09:41:43","date_gmt":"2025-02-18T09:41:43","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/"},"modified":"2025-02-18T09:41:43","modified_gmt":"2025-02-18T09:41:43","slug":"how-long-does-a-fha-appraisal-stay-with-the-property","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/","title":{"rendered":"How long does a FHA appraisal stay with the property?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#How_long_does_a_FHA_appraisal_stay_with_the_property\" title=\"How long does a FHA appraisal stay with the property?\">How long does a FHA appraisal stay with the property?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#1_What_is_a_FHA_appraisal\" title=\"1. What is a FHA appraisal?\">1. What is a FHA appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#2_Can_a_FHA_appraisal_be_transferred_to_a_new_buyer\" title=\"2. Can a FHA appraisal be transferred to a new buyer?\">2. Can a FHA appraisal be transferred to a new buyer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#3_Can_a_FHA_appraisal_be_used_for_a_conventional_loan\" title=\"3. Can a FHA appraisal be used for a conventional loan?\">3. Can a FHA appraisal be used for a conventional loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#4_Can_a_seller_provide_their_own_appraisal_for_a_FHA_loan\" title=\"4. Can a seller provide their own appraisal for a FHA loan?\">4. Can a seller provide their own appraisal for a FHA loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#5_Can_a_buyer_request_a_new_FHA_appraisal_if_the_original_one_expires\" title=\"5. Can a buyer request a new FHA appraisal if the original one expires?\">5. Can a buyer request a new FHA appraisal if the original one expires?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#6_Can_a_FHA_appraisal_be_used_for_a_refinance\" title=\"6. Can a FHA appraisal be used for a refinance?\">6. Can a FHA appraisal be used for a refinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#7_Can_a_FHA_lender_use_an_appraisal_from_a_different_lender\" title=\"7. Can a FHA lender use an appraisal from a different lender?\">7. Can a FHA lender use an appraisal from a different lender?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#8_Can_a_FHA_appraisal_be_used_for_a_cash_purchase\" title=\"8. Can a FHA appraisal be used for a cash purchase?\">8. Can a FHA appraisal be used for a cash purchase?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#9_Can_a_FHA_appraisal_be_appealed\" title=\"9. Can a FHA appraisal be appealed?\">9. Can a FHA appraisal be appealed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#10_Can_a_FHA_appraisal_be_used_for_a_second_FHA_loan\" title=\"10. Can a FHA appraisal be used for a second FHA loan?\">10. Can a FHA appraisal be used for a second FHA loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#11_Can_a_buyer_request_specific_repairs_based_on_the_FHA_appraisal\" title=\"11. Can a buyer request specific repairs based on the FHA appraisal?\">11. Can a buyer request specific repairs based on the FHA appraisal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#12_Can_a_FHA_appraisal_value_change_over_time\" title=\"12. Can a FHA appraisal value change over time?\">12. Can a FHA appraisal value change over time?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_long_does_a_FHA_appraisal_stay_with_the_property\"><\/span>How long does a FHA appraisal stay with the property?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The answer to this question is that a FHA appraisal stays with the property for a period of 120 days. During this time, the appraisal can be used by any FHA lender for the purpose of underwriting a loan for the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_a_FHA_appraisal\"><\/span>1. What is a FHA appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA FHA appraisal is an evaluation of a property&#8217;s value conducted by a certified FHA appraiser. It is required for any property being financed with an FHA loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_a_FHA_appraisal_be_transferred_to_a_new_buyer\"><\/span>2. Can a FHA appraisal be transferred to a new buyer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a FHA appraisal can be transferred to a new buyer as long as the original appraisal is still valid (within 120 days) and the new buyer is obtaining an FHA loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_a_FHA_appraisal_be_used_for_a_conventional_loan\"><\/span>3. Can a FHA appraisal be used for a conventional loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, a FHA appraisal cannot be used for a conventional loan. Each type of loan requires its own specific appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_a_seller_provide_their_own_appraisal_for_a_FHA_loan\"><\/span>4. Can a seller provide their own appraisal for a FHA loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, a seller cannot provide their own appraisal for a FHA loan. The appraisal must be conducted by a certified FHA appraiser.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_a_buyer_request_a_new_FHA_appraisal_if_the_original_one_expires\"><\/span>5. Can a buyer request a new FHA appraisal if the original one expires?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a buyer can request a new FHA appraisal if the original one expires before the loan is closed. However, the buyer will be responsible for the cost of the new appraisal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_a_FHA_appraisal_be_used_for_a_refinance\"><\/span>6. Can a FHA appraisal be used for a refinance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a FHA appraisal can be used for a refinance as long as it is still valid (within 120 days) and the new loan is insured by the FHA.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_a_FHA_lender_use_an_appraisal_from_a_different_lender\"><\/span>7. Can a FHA lender use an appraisal from a different lender?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a FHA lender can use an appraisal from a different lender as long as it meets all FHA requirements and is still valid.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_a_FHA_appraisal_be_used_for_a_cash_purchase\"><\/span>8. Can a FHA appraisal be used for a cash purchase?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, a FHA appraisal cannot be used for a cash purchase. It is specifically required for properties being financed with a FHA loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_a_FHA_appraisal_be_appealed\"><\/span>9. Can a FHA appraisal be appealed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a FHA appraisal can be appealed if the buyer or seller believe that the value determined is inaccurate. The appeal process involves providing additional evidence or information to support a different value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_a_FHA_appraisal_be_used_for_a_second_FHA_loan\"><\/span>10. Can a FHA appraisal be used for a second FHA loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, a FHA appraisal cannot be used for a second FHA loan. Each new loan application requires its own appraisal to be conducted.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_a_buyer_request_specific_repairs_based_on_the_FHA_appraisal\"><\/span>11. Can a buyer request specific repairs based on the FHA appraisal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a buyer can request specific repairs based on the findings of the FHA appraisal. These repairs may be required in order for the loan to be approved.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_a_FHA_appraisal_value_change_over_time\"><\/span>12. Can a FHA appraisal value change over time?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a FHA appraisal value can change over time due to market fluctuations or changes in the property itself. It is recommended to obtain a new appraisal if there have been significant changes since the original appraisal was conducted.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How long does a FHA appraisal stay with the property? The answer to this question is that a FHA appraisal stays with the property for a period of 120 days. During this time, the appraisal can be used by any FHA lender for the purpose of underwriting a loan for the property. 1. What is &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How long does a FHA appraisal stay with the property?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-long-does-a-fha-appraisal-stay-with-the-property\/#more-206092\">Read more<span class=\"screen-reader-text\">How long does a FHA appraisal stay with the property?<\/span><\/a><\/p>\n","protected":false},"author":52,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-206092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How long does a FHA appraisal stay with the property?<\/title>\n<meta name=\"description\" content=\"How long does a FHA appraisal stay with the property? 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