Lender Changes to the Appraised Value and Guidance on Addressing Appraisal Deficiencies
B4-1.4-21: Appraisal Report Review: Valuation Analysis and Final Reconciliation
Effective: All applications dated on/after September 1, 2010.

Appraiser Selection Criteria
B4-1.1-03, Appraiser Selection
Effective: June 30, 2010.

Selection and Use of Comparable Sales
- Data and Verification Sources
- Use of Foreclosures, Short Sales, and Builder Sales as Comparable Properties
B4-1.4-16: Appraisal Report Review: Sales Comparison Approach
Effective: June 30, 2010.

Miscellaneous Appraisal-Related Guidance
- Communication under the HVCC
- Seller Concessions
- Treatment of Personal Property
- Market Conditions Addendum to the Appraisal Report
Effective: All applications dated on/after September 1, 2010.