Does FHA require an appraisal?
Yes. Every FHA purchase requires an FHA appraisal performed by an FHA-approved appraiser. The appraisal value and the property's condition are both reviewed.
What this actually means.
Streamline refinances are the main exception — they often don't require a new appraisal because the loan is already FHA-insured.
Where this can move.
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.