Practice Test Geeks(FHA) Federal Housing Administration Appraiser Certification Practice Test
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Guidelines & Requirements Flashcards

7 cards from real FHA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Guidelines & Requirements flashcards as text

  1. Under FHA guidelines, what is the required approach when appraising a property that has a private well as its water source?

    Answer: Require water quality testing to meet EPA or local health authority standards

    FHA requires that private well water be tested and meet EPA or local health authority safe drinking water standards.

  2. What is the FHA appraiser's required action when an individual septic system is present on the subject property?

    Answer: Note the system and require inspection only if evidence of system failure exists

    FHA appraisers must note the septic system and recommend inspection only when observable signs of failure are present.

  3. For FHA appraisal purposes, what is the minimum clearance required between the bottom of the floor joists and the ground in a crawl space?

    Answer: 24 inches

    FHA MPRs require at least 18 inches of clearance between the ground and the bottom of floor joists in crawl spaces, but commonly the standard referenced is 18 inches; however HUD handbook 4000.1 states access and 18-inch clearance are required.

  4. When completing the 1004 URAR for an FHA loan, the appraiser must use comparable sales that:

    Answer: Are as similar as possible in location, size, and condition to the subject

    FHA requires comparables to be the most similar and proximate sales available, prioritizing similarity over arbitrary distance or time limits.

  5. Under FHA guidelines, what must an appraiser do when the subject property is located within a Special Flood Hazard Area (SFHA)?

    Answer: Note the SFHA location and require flood insurance as a condition of the loan

    FHA requires the appraiser to note SFHA location; FHA then mandates flood insurance be purchased as a loan condition.

  6. An FHA appraiser is reviewing a condo unit. Which condition must be verified through HUD's systems before completing the appraisal?

    Answer: Whether the condominium project is FHA-approved

    FHA requires the condominium project to be on HUD's approved condo list before a unit can receive FHA financing.

  7. What does FHA require when an appraiser identifies peeling, chipping, or flaking paint on a pre-1978 home?

    Answer: The painted surfaces must be repaired and stabilized before loan closing

    FHA MPRs require that all deteriorated paint surfaces on pre-1978 homes be stabilized (repaired) prior to loan closing to address potential lead-based paint hazards.