FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 4. Valuation and Reporting Protocols — a. Photograph, Exhibits, and Map Requirements
HUD effective date: 06/27/2025 · section II.D.4 · Handbook 4000.1
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Recently changed. 1 section here was revised on 2025-06-27: a. Photograph, Exhibits, and Map Requirements . A model trained before then holds the old wording.
FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Photograph, Exhibits, and Map Requirements (06/27/2025).
Verbatim regulatory text
Verbatim provisions from FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 4. Valuation and Reporting Protocols — a. Photograph, Exhibits, and Map Requirements — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
FHA Single Family Housing Policy Handbook 4000.1, Part II — a. Photograph, Exhibits, and Map Requirements (06/27/2025)
a. Photograph, Exhibits, and Map Requirements (06/27/2025) The Appraiser must include a legible street map showing the location of the subject and each of the comparable properties, including sales, rentals, listings, and other data points 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 outbuildings 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. FHA Minimum Photograph Requirements Photograph Exhibit Minimum Photograph Requirements Subject Property Exterior • Front and rear of the dwelling • Improvements with Contributory Value not captured in the front or rear photographs • Street scene • For Proposed Construction, a photograph that shows the grade of the vacant lot Subject Property Interior • Kitchen, main living area, bathrooms, and bedrooms • Any other rooms representing overall condition • Basement • Recent updates, such as restoration, remodeling, and renovation Comparable Sales, Listings, and Pending Sales • Front view of each comparable utilized 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
Operationalizing FHA Single Family Housing Policy Handbook 4000.1, II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages > 4. Valuation and Reporting Protocols — a. Photograph, Exhibits, and Map Requirements
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Source of record: https://claudeforcompliance.com/regs/hud-4000-1-ii-a-photograph-exhibits-and-map-requirements/
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