Is a conventional appraisal easier than FHA?
Generally yes. Conventional appraisals focus on value and basic collateral acceptability — fewer property-condition flags than FHA's Minimum Property Requirements. Conventional appraisers note major issues but usually don't require pre-closing repairs the way FHA does for paint, roof life, exposed wiring, and similar items.
Plain-English explanation
Both appraisers note the property's condition. The difference is in what's required for loan approval. FHA's MPRs trigger required repairs before closing on issues that conventional appraisers might note as 'satisfactory' or describe in the report without making them a closing condition. This makes conventional more flexible on older properties, fixer-uppers (within reason), and condos with minor cosmetic issues. Major structural or safety issues still concern conventional appraisers — but the bar is higher than FHA's.
What can change the answer?
Property condition, comparable sales availability, appraisal waiver eligibility, and Reconsideration of Value can change the appraised value.
Want the real answer for your conventional file?
Conventional guidelines are the rule. Your credit, income, DTI, PMI, LLPAs, and Florida payment math are what decide the actual answer.
More conventional questions on Appraisal
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review.