Electronic Appraisal Delivery (EAD) Portal Help
As of June 27, 2016, all FHA-approved mortgagees have been required to use the FHA's new Electronic Appraisal Delivery (EAD) portal to submit appraisal data to the FHA. The EAD portal only allows uploads of appraisals that comply with the FHA's Appraisal Report and Data Delivery Guide.
The EAD portal checks appraisal data submissions against FHA appraisal data requirements, and provides error messages and/or warning notifications for mortgagees to review and/or remedy.
- Detailed status messages indicate successful or unsuccessful submissions. Only successful submissions are transmitted to the FHA.
- "Hard Stop" messages are built into the portal and indicate data errors that must be resolved before the submission can be successfully transmitted, thus avoiding data conflicts between the EAD portal and the FHAC.
- Additional error messages will allow a submission to be transmitted, but indicate possible data discrepancies that mortgagees may need to address.
For more information from the FHA about its EAD portal, click here.
Be sure to review the FHA Appraisal Report and Data Delivery Guide as well.
The EAD portal is currently available through Global DMS' Global Kinex® application.
EAD Portal Overview:
The FHA's Electronic Appraisal Delivery (EAD) portal is a free, web-based technology that enables mortgagees -- or their third-party service providers -- to electronically transmit appraisal data and reports to the FHA prior to loan endorsement. This process became mandatory on June 27, 2016, which required lenders to use the portal to submit all their FHA origination appraisals.
When submitting an appraisal, the EAD portal will either provide confirmation of a successful submission or information regarding required corrections that need to be made before resubmission. Once an appraisal is successfully submitted, data sharing between the EAD portal and FHA Connection (FHAC) allows for the population of certain data fields on the FHAC Appraisal Logging screen.
The EAD portal allows up to 10 appraisal files per submission, and also allows the submission of up to 3 appraisal files per loan. Appraisals submitted through the EAD are always subject to an FHA compliance review, and the portal will return both overridable and non-overridable hard stop messages when appraisal data falls outside FHA requirements.
Accepted Forms/Data Types include:
- Mismo 2.6 GSE Extended Format:
- Uniform Residential Appraisal Report (FNMA Form 1004; FRE Form 70)
- Individual Condominium Unit Appraisal Report (FNMA Form 1073; FRE Form 465)
- Mismo 2.6 Errata 1:
- Small Residential Income Property Appraisal Report (FNMA Form 1025; FRE Form 72)
- Manufactured Home Appraisal Report (FNMA Form 1004C; FRE Form 70B)
- Appraisal Update or Completion Report (FNMA Form 1004D; FRE Form 442)
Mandatory EAD Migration:
In order to begin using the FHA's EAD portal, mortgagees must first migrate their appraisal data reports to the portal. Mortgagees can register for an onboarding phase in FHAC using the following steps:
- Log-in to FHAC and select the "Lender Functions" option.
- On the "Lenders Functions" screen, choose the second item in the menu titled, "Electronic Appraisal Delivery Sign Up."
- Select the desired onboarding phase.
Once a mortgagee has registered, they will not be able to access the EAD portal until their phase has begun. In addition, they must also select and register their EAD Administrator(s) via FHAC, who will then in turn receive EAD access credentials from HUD -- these include vendors that submit FHA orders on behalf of their lender-clients. Mortgagees with multiple FHA Lender ID's will need to register an EAD Administrator for each ID during their onboarding phase.
Once their onboarding phase has begun, both mortgagees and their EAD Administrators may access the EAD portal via a direct integration (like Global Kinex®) or through the FHA's own web interface.
EAD onboarding will take place in a live system, and any appraisal data transmitted through the EAD portal -- including any data submitted during an onboarding phase -- will become the appraisal of record.
For more information, check out the following FHA resources:
Mortgage Onboarding Process
FHA Training for Lender Users: 100 -- FHA EAD Portal
FHA Training for Lender Administrators: 101 -- FHA EAD Portal
Obtaining and Configuring EAD Direct Integration Credentials
EAD Direct Integration User ID Request Form