Question: Has HUD recently made changes to Quality Control (QC) requirements for appraisal field reviews?
Answer:
Yes. On June 23, 2026 HUD issued Mortgagee Letter 2026-10, which provided greater flexibility in FHA’s QC policy for property and appraisals by removing the requirement for mortgagees to obtain appraisal field reviews on at least 10% of origination and underwriting QC reviews. The FHA update makes field reviews an optional component of appraisal QC, maintaining FHA’s core appraisal compliance framework while giving mortgagees the ability to tailor review methods based on case-specific risk.
These changes are effective immediately and apply to all FHA-insured mortgage programs.
