Transcription of Interagency Appraisal and Evaluation Guidelines
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Interagency Appraisal and Evaluation Guidelines
Interagency Appraisal and Evaluation Guidelines (December 2, 2010) i Interagency Appraisal and Evaluation Guidelines Table of Contents I. Purpose .. 1 II. Background .. 1 III. Supervisory Policy .. 2 IV. Appraisal and Evaluation Program .. 2 V. Independence of the Appraisal and Evaluation Program .. 3 VI. Selection of Appraisers or Persons Who Perform Evaluations .. 5 A. Approved Appraiser List .. 6 B. Engagement Letters .. 6 VII. Transactions That Require Appraisals .. 7 VIII. Minimum Appraisal Standards .. 7 IX. Appraisal Development .. 10 X. Appraisal Reports .. 10 XI. Transactions That Require Evaluations .. 11 XII. Evaluation Development .. 12 XIII. Evaluation Content .. 13 XIV. Validity of Appraisals and Evaluations .. 14 XV. Reviewing Appraisals and Evaluations .. 15 A. Reviewer Qualifications .. 16 B. Depth of Review .. 16 C. Resolution of Deficiencies .. 18 D. Documentation of the Review.
Page 2 of 45 The real estate lending guidelines state that an institution’s real estate lending program should include an appropriate real …
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