{"id":239006,"date":"2024-04-01T16:49:42","date_gmt":"2024-04-01T16:49:42","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=239006"},"modified":"2024-04-01T16:49:42","modified_gmt":"2024-04-01T16:49:42","slug":"what-is-the-hpml-appraisal-rule","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-the-hpml-appraisal-rule\/","title":{"rendered":"What is the HPML appraisal rule?"},"content":{"rendered":"<p>The Higher-Priced Mortgage Loans (HPML) Appraisal Rule was established by the Federal Reserve Board in 2013 to help protect consumers from obtaining loans that may be unaffordable. The rule requires mortgage lenders to obtain a written appraisal for certain higher-priced mortgage loans to ensure that the loan amount is not substantially higher than the property&#8217;s actual value.<\/p>\n<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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-hpml-appraisal-rule\/#FAQs_about_the_HPML_Appraisal_Rule\" title=\"FAQs about the HPML Appraisal Rule:\">FAQs about the HPML Appraisal Rule:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-hpml-appraisal-rule\/#1_Who_is_subject_to_the_HPML_Appraisal_Rule\" title=\"1. Who is subject to the HPML Appraisal Rule?\">1. Who is subject to the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#2_What_type_of_loans_are_considered_higher-priced_mortgage_loans\" title=\"2. What type of loans are considered higher-priced mortgage loans?\">2. What type of loans are considered higher-priced mortgage loans?<\/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-is-the-hpml-appraisal-rule\/#3_What_is_the_purpose_of_the_HPML_Appraisal_Rule\" title=\"3. What is the purpose of the HPML Appraisal Rule?\">3. What is the purpose of the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#4_How_does_the_HPML_Appraisal_Rule_benefit_consumers\" title=\"4. How does the HPML Appraisal Rule benefit consumers?\">4. How does the HPML Appraisal Rule benefit consumers?<\/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-is-the-hpml-appraisal-rule\/#5_What_information_is_included_in_the_written_appraisal_required_by_the_HPML_Appraisal_Rule\" title=\"5. What information is included in the written appraisal required by the HPML Appraisal Rule?\">5. What information is included in the written appraisal required by the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#6_Are_there_any_exemptions_to_the_HPML_Appraisal_Rule\" title=\"6. Are there any exemptions to the HPML Appraisal Rule?\">6. Are there any exemptions to the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#7_What_are_the_consequences_of_non-compliance_with_the_HPML_Appraisal_Rule\" title=\"7. What are the consequences of non-compliance with the HPML Appraisal Rule?\">7. What are the consequences of non-compliance with the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#8_How_does_the_HPML_Appraisal_Rule_impact_the_mortgage_lending_process\" title=\"8. How does the HPML Appraisal Rule impact the mortgage lending process?\">8. How does the HPML Appraisal Rule impact the mortgage lending process?<\/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-is-the-hpml-appraisal-rule\/#9_Can_borrowers_request_a_copy_of_the_written_appraisal_obtained_under_the_HPML_Appraisal_Rule\" title=\"9. Can borrowers request a copy of the written appraisal obtained under the HPML Appraisal Rule?\">9. Can borrowers request a copy of the written appraisal obtained under the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#10_How_often_does_the_HPML_Appraisal_Rule_need_to_be_followed\" title=\"10. How often does the HPML Appraisal Rule need to be followed?\">10. How often does the HPML Appraisal Rule need to be followed?<\/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-is-the-hpml-appraisal-rule\/#11_Are_there_any_updates_or_changes_to_the_HPML_Appraisal_Rule\" title=\"11. Are there any updates or changes to the HPML Appraisal Rule?\">11. Are there any updates or changes to the HPML Appraisal Rule?<\/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-is-the-hpml-appraisal-rule\/#12_What_should_borrowers_do_if_they_believe_their_lender_has_not_followed_the_HPML_Appraisal_Rule\" title=\"12. What should borrowers do if they believe their lender has not followed the HPML Appraisal Rule?\">12. What should borrowers do if they believe their lender has not followed the HPML Appraisal Rule?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_the_HPML_Appraisal_Rule\"><\/span>FAQs about the HPML Appraisal Rule:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Who_is_subject_to_the_HPML_Appraisal_Rule\"><\/span>1. Who is subject to the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLenders who offer higher-priced mortgage loans are subject to the HPML Appraisal Rule. These loans are typically those with interest rates that are higher than the average prime offer rate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_type_of_loans_are_considered_higher-priced_mortgage_loans\"><\/span>2. What type of loans are considered higher-priced mortgage loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA loan is considered a higher-priced mortgage loan if the annual percentage rate (APR) exceeds the average prime offer rate by a specific percentage. As of 2021, this percentage is 1.5% for first-lien loans and 3.5% for subordinate-lien loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_is_the_purpose_of_the_HPML_Appraisal_Rule\"><\/span>3. What is the purpose of the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe main purpose of the HPML Appraisal Rule is to protect consumers from taking out loans that are significantly higher than the actual value of the property being purchased.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_does_the_HPML_Appraisal_Rule_benefit_consumers\"><\/span>4. How does the HPML Appraisal Rule benefit consumers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBy requiring lenders to obtain a written appraisal for higher-priced mortgage loans, consumers are better protected from entering into loans that may be unaffordable or unsustainable.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_information_is_included_in_the_written_appraisal_required_by_the_HPML_Appraisal_Rule\"><\/span>5. What information is included in the written appraisal required by the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe written appraisal must include a detailed analysis of the property&#8217;s market value, information about the property&#8217;s physical condition, and an evaluation of comparable sales in the area.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_there_any_exemptions_to_the_HPML_Appraisal_Rule\"><\/span>6. Are there any exemptions to the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, certain types of loans are exempt from the HPML Appraisal Rule, such as qualified mortgages, reverse mortgages, and loans for manufactured homes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_are_the_consequences_of_non-compliance_with_the_HPML_Appraisal_Rule\"><\/span>7. What are the consequences of non-compliance with the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLenders who fail to comply with the HPML Appraisal Rule may face penalties, including fines and legal action. Non-compliance can also result in the loan being considered invalid.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_does_the_HPML_Appraisal_Rule_impact_the_mortgage_lending_process\"><\/span>8. How does the HPML Appraisal Rule impact the mortgage lending process?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe HPML Appraisal Rule adds an additional step to the mortgage lending process, as lenders must now obtain a written appraisal for certain higher-priced mortgage loans before finalizing the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_borrowers_request_a_copy_of_the_written_appraisal_obtained_under_the_HPML_Appraisal_Rule\"><\/span>9. Can borrowers request a copy of the written appraisal obtained under the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, borrowers have the right to receive a copy of the written appraisal obtained for their higher-priced mortgage loan. This allows them to review the information used to determine the loan amount.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_often_does_the_HPML_Appraisal_Rule_need_to_be_followed\"><\/span>10. How often does the HPML Appraisal Rule need to be followed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe HPML Appraisal Rule must be followed for each higher-priced mortgage loan originated by a lender. It is a requirement that applies to individual loans rather than on a periodic basis.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Are_there_any_updates_or_changes_to_the_HPML_Appraisal_Rule\"><\/span>11. Are there any updates or changes to the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe HPML Appraisal Rule may be subject to updates or changes by regulatory agencies to better protect consumers and align with current market conditions. Lenders should stay informed about any revisions to the rule.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_should_borrowers_do_if_they_believe_their_lender_has_not_followed_the_HPML_Appraisal_Rule\"><\/span>12. What should borrowers do if they believe their lender has not followed the HPML Appraisal Rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf borrowers believe that their lender has not followed the HPML Appraisal Rule, they should first contact the lender to address their concerns. If the issue is not resolved, borrowers can seek assistance from regulatory agencies or legal professionals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Higher-Priced Mortgage Loans (HPML) Appraisal Rule was established by the Federal Reserve Board in 2013 to help protect consumers from obtaining loans that may be unaffordable. The rule requires mortgage lenders to obtain a written appraisal for certain higher-priced mortgage loans to ensure that the loan amount is not substantially higher than the property&#8217;s &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is the HPML appraisal rule?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-hpml-appraisal-rule\/#more-239006\">Read more<span class=\"screen-reader-text\">What is the HPML appraisal rule?<\/span><\/a><\/p>\n","protected":false},"author":60,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-239006","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 is the HPML appraisal rule?<\/title>\n<meta name=\"description\" content=\"The Higher-Priced Mortgage Loans (HPML) Appraisal Rule was established by the Federal Reserve Board in 2013 to help protect consumers from obtaining loans\" \/>\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-is-the-hpml-appraisal-rule\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the HPML appraisal rule?\" \/>\n<meta property=\"og:description\" content=\"The Higher-Priced Mortgage Loans (HPML) Appraisal Rule was established by the Federal Reserve Board in 2013 to help protect consumers from obtaining loans\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-is-the-hpml-appraisal-rule\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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