The Department of Housing and Urban Development (HUD) issued new guidance that clarifies how appraisers are added to, maintained on and removed from the FHA Appraiser Roster.

Mortgagee Letter 2025-24 — effective immediately — updates FHA policy to make appraiser eligibility easier to track and more consistent with federal and state licensing records.

Changes apply to all FHA-insured single-family forward mortgages and reverse mortgages.

At its core, HUD is tightening the connection between an appraiser’s state license and their ability to perform FHA work, while spelling out clearer consequences for missed renewals, education lapses or compliance problems.

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