{"id":209822,"date":"2025-06-21T00:07:51","date_gmt":"2025-06-21T00:07:51","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/"},"modified":"2025-06-21T00:07:51","modified_gmt":"2025-06-21T00:07:51","slug":"what-are-fannie-mae-appraisal-gross-adjustment-guidelines","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/","title":{"rendered":"What are Fannie Mae appraisal gross adjustment guidelines?"},"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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Fannie_Mae_Appraisal_Gross_Adjustment_Guidelines\" title=\"Fannie Mae Appraisal Gross Adjustment Guidelines\">Fannie Mae Appraisal Gross Adjustment Guidelines<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#What_are_Fannie_Mae_appraisal_gross_adjustment_guidelines\" title=\"What are Fannie Mae appraisal gross adjustment guidelines?\">What are Fannie Mae appraisal gross adjustment guidelines?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#What_are_some_common_FAQs_related_to_Fannie_Mae_appraisal_gross_adjustment_guidelines\" title=\"What are some common FAQs related to Fannie Mae appraisal gross adjustment guidelines?\">What are some common FAQs related to Fannie Mae appraisal gross adjustment guidelines?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#How_are_gross_adjustments_calculated\" title=\"How are gross adjustments calculated?\">How are gross adjustments calculated?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#What_factors_can_be_considered_for_gross_adjustments\" title=\"What factors can be considered for gross adjustments?\">What factors can be considered for gross adjustments?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Is_there_a_specific_percentage_limit_for_gross_adjustments\" title=\"Is there a specific percentage limit for gross adjustments?\">Is there a specific percentage limit for gross adjustments?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Are_there_any_exceptions_to_the_25_gross_adjustment_limit\" title=\"Are there any exceptions to the 25% gross adjustment limit?\">Are there any exceptions to the 25% gross adjustment limit?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#What_happens_if_the_gross_adjustments_exceed_the_25_limit\" title=\"What happens if the gross adjustments exceed the 25% limit?\">What happens if the gross adjustments exceed the 25% limit?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Do_gross_adjustments_affect_the_final_appraised_value_of_the_property\" title=\"Do gross adjustments affect the final appraised value of the property?\">Do gross adjustments affect the final appraised value of the property?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#How_do_gross_adjustments_impact_the_appraisal_process\" title=\"How do gross adjustments impact the appraisal process?\">How do gross adjustments impact the appraisal process?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Can_multiple_gross_adjustments_be_applied_to_the_same_comparable_sale\" title=\"Can multiple gross adjustments be applied to the same comparable sale?\">Can multiple gross adjustments be applied to the same comparable sale?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Are_there_any_specific_guidelines_for_calculating_gross_adjustments\" title=\"Are there any specific guidelines for calculating gross adjustments?\">Are there any specific guidelines for calculating gross adjustments?<\/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\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#How_do_appraisers_determine_the_appropriate_gross_adjustments_to_apply\" title=\"How do appraisers determine the appropriate gross adjustments to apply?\">How do appraisers determine the appropriate gross adjustments to apply?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#What_is_the_purpose_of_setting_a_limit_on_gross_adjustments\" title=\"What is the purpose of setting a limit on gross adjustments?\">What is the purpose of setting a limit on gross adjustments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#Do_lenders_rely_heavily_on_gross_adjustments_in_the_appraisal_process\" title=\"Do lenders rely heavily on gross adjustments in the appraisal process?\">Do lenders rely heavily on gross adjustments in the appraisal process?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Fannie_Mae_Appraisal_Gross_Adjustment_Guidelines\"><\/span>Fannie Mae Appraisal Gross Adjustment Guidelines<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fannie Mae appraisal guidelines play a crucial role in determining the value of a property for mortgage lending purposes. Among the many aspects that appraisers must consider, one key factor is the gross adjustment guidelines set forth by Fannie Mae.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_Fannie_Mae_appraisal_gross_adjustment_guidelines\"><\/span>What are Fannie Mae appraisal gross adjustment guidelines?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>**Fannie Mae appraisal gross adjustment guidelines refer to the maximum percentage adjustment that can be applied to comparable sales to account for differences between the subject property and the comps.** These guidelines help ensure that appraisals are fair and accurate, without overinflating the value of the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_some_common_FAQs_related_to_Fannie_Mae_appraisal_gross_adjustment_guidelines\"><\/span>What are some common FAQs related to Fannie Mae appraisal gross adjustment guidelines?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>1. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_are_gross_adjustments_calculated\"><\/span>How are gross adjustments calculated?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGross adjustments are calculated by comparing the subject property to comparable sales and determining the difference in features, amenities, and condition.<\/p>\n<p>2. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_factors_can_be_considered_for_gross_adjustments\"><\/span>What factors can be considered for gross adjustments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFactors such as location, size, age, condition, and amenities of the subject property and comps can be considered for gross adjustments.<\/p>\n<p>3. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_specific_percentage_limit_for_gross_adjustments\"><\/span>Is there a specific percentage limit for gross adjustments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Fannie Mae typically sets a limit of 25% for gross adjustments on comparable sales.<\/p>\n<p>4. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_exceptions_to_the_25_gross_adjustment_limit\"><\/span>Are there any exceptions to the 25% gross adjustment limit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, exceptions may be made if the appraiser can provide strong justification for exceeding the 25% limit.<\/p>\n<p>5. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_the_gross_adjustments_exceed_the_25_limit\"><\/span>What happens if the gross adjustments exceed the 25% limit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the gross adjustments exceed the limit, the appraiser may need to provide additional documentation and explanation to justify the adjustments.<\/p>\n<p>6. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_gross_adjustments_affect_the_final_appraised_value_of_the_property\"><\/span>Do gross adjustments affect the final appraised value of the property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, gross adjustments play a significant role in determining the final appraised value of the property.<\/p>\n<p>7. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_gross_adjustments_impact_the_appraisal_process\"><\/span>How do gross adjustments impact the appraisal process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGross adjustments help ensure that the value of the subject property is accurately determined based on market trends and comparable sales.<\/p>\n<p>8. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_multiple_gross_adjustments_be_applied_to_the_same_comparable_sale\"><\/span>Can multiple gross adjustments be applied to the same comparable sale?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, multiple gross adjustments can be applied to a single comparable sale to account for various differences between the subject property and the comp.<\/p>\n<p>9. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_specific_guidelines_for_calculating_gross_adjustments\"><\/span>Are there any specific guidelines for calculating gross adjustments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFannie Mae provides guidelines and best practices for appraisers to follow when calculating gross adjustments to ensure consistency and accuracy.<\/p>\n<p>10. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_appraisers_determine_the_appropriate_gross_adjustments_to_apply\"><\/span>How do appraisers determine the appropriate gross adjustments to apply?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAppraisers use their expertise and judgment, along with Fannie Mae guidelines, to determine the appropriate gross adjustments based on the specific characteristics of the subject property and comps.<\/p>\n<p>11. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_purpose_of_setting_a_limit_on_gross_adjustments\"><\/span>What is the purpose of setting a limit on gross adjustments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSetting a limit on gross adjustments helps prevent appraisers from making excessive adjustments that could skew the final appraised value of the property.<\/p>\n<p>12. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_lenders_rely_heavily_on_gross_adjustments_in_the_appraisal_process\"><\/span>Do lenders rely heavily on gross adjustments in the appraisal process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, lenders rely on gross adjustments to ensure that the appraisal accurately reflects the true value of the property and mitigates risks associated with lending based on inflated values.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fannie Mae Appraisal Gross Adjustment Guidelines Fannie Mae appraisal guidelines play a crucial role in determining the value of a property for mortgage lending purposes. Among the many aspects that appraisers must consider, one key factor is the gross adjustment guidelines set forth by Fannie Mae. What are Fannie Mae appraisal gross adjustment guidelines? **Fannie &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What are Fannie Mae appraisal gross adjustment guidelines?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/#more-209822\">Read more<span class=\"screen-reader-text\">What are Fannie Mae appraisal gross adjustment guidelines?<\/span><\/a><\/p>\n","protected":false},"author":53,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-209822","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>What are Fannie Mae appraisal gross adjustment guidelines?<\/title>\n<meta name=\"description\" content=\"Fannie Mae Appraisal Gross Adjustment Guidelines Fannie Mae appraisal guidelines play a crucial role in determining the value of a property for mortgage\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are Fannie Mae appraisal gross adjustment guidelines?\" \/>\n<meta property=\"og:description\" content=\"Fannie Mae Appraisal Gross Adjustment Guidelines Fannie Mae appraisal guidelines play a crucial role in determining the value of a property for mortgage\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-are-fannie-mae-appraisal-gross-adjustment-guidelines\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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