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Metro Detroit

FHA Appraisal in Metro Detroit

Learn how FHA appraisals work, and compare local appraisers for a private pre-listing or planning appraisal. Request appraisal quotes with confidence.

0Featured pros
0Appraisers profiles
6Metro counties
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Rebuild Detroit is not an appraisal management company and does not order or influence appraisals for mortgage lenders.

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Local to Metro Detroit: Detroit, Wayne, Oakland, Macomb and more
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Before you hire

FHA appraisals in Metro Detroit: how they work

You cannot hire your own appraiser for an FHA loan. The FHA lender orders the appraisal, directly or through an appraisal management company, and assigns an appraiser on HUD's FHA Appraiser Roster. Appraiser independence rules keep buyers, sellers, agents and loan officers from choosing or influencing the appraiser. If you are buying with FHA, talk to your lender; see lenders.

An FHA appraisal also checks that the home meets HUD minimum property standards for safety, security and soundness. In older Metro Detroit housing, common flags include peeling paint on pre-1978 homes, missing handrails, roof wear and inoperable utilities. Required repairs usually must be completed before closing.

What you can do: sellers can order a private pre-listing appraisal and a home inspection to spot FHA issues early. That private report is for your decisions and will not replace the lender's appraisal.

What a good engagement includes

  • For the lender's FHA appraisal: an appraiser assigned by the lender from HUD's roster
  • An interior and exterior inspection against HUD minimum property standards
  • Notes on required repairs such as peeling paint, handrails or roof condition
  • For a private appraisal you order: a stated intended use that is not a loan decision
  • Comparable sales analysis and a written USPAP report with the license number and level
  • Condition notes you can use to plan repairs before listing

What drives the fee

  • FHA loan appraisal fees are set through your lender and disclosed on your loan estimate
  • For a private appraisal: property type, one unit or two to four units
  • Report type and level of detail you want
  • Condition issues that take extra inspection and documentation
  • Few comparable sales in the neighborhood
  • Rush turnaround before a listing date

Rebuild Detroit does not publish price ranges. Get written appraisal quotes for the same scope and compare.

Licensing and standards in Michigan

Michigan licenses real estate appraisers through LARA at four levels: limited, state licensed, certified residential and certified general. Every appraisal must conform to USPAP and show the license number and level. FHA assignments also require placement on HUD's FHA Appraiser Roster, and the lender must select the appraiser.

Rebuild Detroit does not order lender appraisals and is not an appraisal management company.

Verify: LARA license lookup ASC National Appraiser Registry How We Vet

How to compare appraisal quotes

  1. Buying with FHA? Ask your lender when the appraisal will be ordered and how repairs are handled.
  2. Selling to an FHA buyer? Consider a private pre-listing appraisal and a home inspection first.
  3. For a private appraisal, verify the license level on the LARA lookup.
  4. Ask whether the appraiser is familiar with FHA property standards when noting condition.
  5. Confirm turnaround and that the report states your intended use.

Ready to get started?

Tell us once. Rebuild Detroit routes your request to Metro Detroit real estate appraisers.

Common questions

FHA Appraisal FAQ

No. The lender selects the appraiser, and borrowers, agents and loan officers may not choose or influence them. Direct any appraisal questions to your lender.
The lender will not use an appraisal you ordered for its loan decision. A private appraisal is still useful for pricing, planning and spotting repair issues.
Ask your lender about its reconsideration of value process and share any relevant sales you know of. Price renegotiation or a larger down payment are other options.
Items affecting safety, security or soundness, such as peeling paint on older homes, missing handrails, roof problems or utilities that do not work.

Get FHA appraisal appraisal quotes from local pros

Compare Metro Detroit real estate appraisers and confirm credentials, scope and cost drivers before you hire.

Call (833) 313-2434