Electronic Appraisal Delivery Portal
The Federal Housing Administration's (FHA) Electronic Appraisal Delivery (EAD) portal is a web-based technology system that enables electronic transmission of appraisal reports to FHA from FHA mortgagees and/or their designated third-party service provider(s) prior to loan endorsement.
What You Can Do in the EAD Portal
- Deliver original appraisal reports, update reports, and completion reports
- View submitted reports
- Review messages related to report submission and acceptance
- Resolve issues and redeliver reports
Access the Portal
- Direct access to the EAD web portal interface; or
- Direct integration interface to the portal from a mortgagee's systems using the EAD Portal Technical Integration Guide (TIG). This method supports automated, large volume of appraisal deliveries. Request the TIG by calling the FHA Resource Center at 1-800-225-5342 (select Option 2, then Option 6).
When to Use the Portal
Mortgagees must use the portal to submit appraisal reports for all new FHA case numbers prior to loan endorsement.
Uniform Appraisal Dataset
The Uniform Appraisal Dataset (UAD) is a standardized dataset developed by the Government Sponsored Enterprises (GSEs) – Fannie Mae and Freddie Mac. The UAD standardizes appraisal data and promotes consistency in appraisal reporting across the industry.
FHA is adopting the GSEs’ modernized UAD 3.6 format, which aligns appraisal reporting and data collection with current Mortgage Industry Standard Maintenance Organization (MISMO®) data standards. The EAD Portal allows delivery of the UAD 2.6 format. The new Uniform Residential Appraisal Report (URAR) developed for UAD 3.6 replaces the existing GSE appraisal forms associated with UAD 2.6 with a single, data-driven appraisal report for any residential property type.
This webpage provides information and resources to support the transition to UAD 3.6, including guidance for both UAD 2.6 and UAD 3.6 appraisal submissions.
Preparing for Uniform Appraisal Dataset 3.6: Your Guide to Implementation
Preparing for Uniform Appraisal Dataset 3.6: Your Guide to Implementation
FHA is transitioning to the UAD 3.6 format to modernize and standardize appraisal data and reporting. The EAD portal will continue to support UAD 2.6 and UAD 3.6 formats until UAD 2.6 is retired.
To help you prepare and stay ahead of the mandatory use date, use the FHA UAD 3.6 Implementation Preparedness Toolbox (UAD 3.6 Toolbox), which includes:
- Technical documentation and updated EAD portal guidance
- Implementation resources
- Transition timelines
Bookmark this page and periodically check for updates to the UAD 3.6 Toolbox throughout the transition.
Legacy Uniform Appraisal Dataset 2.6 Resources
The Uniform Appraisal Dataset (UAD) 2.6 established standardized appraisal reporting requirements used across the industry. The resources below are provided for reference and will be retired following the transition to UAD 3.6. During the transition period, the EAD portal will support appraisal submissions in UAD 2.6 and UAD 3.6 formats until UAD 2.6 is retired.
EAD User Roles
- EAD Administrator: The individual(s) within a mortgagee's organization responsible for: managing the organization's presence within the EAD portal; and assigning and managing individual user and designated third-party service provider access rights.
- EAD User: The individual(s) within a mortgagee's organization who will access the portal to deliver appraisal data and reports to FHA.
- Designated Third-Party Service Provider: A third-party service provider, such as an appraisal management company or outsourced fulfillment provider that the mortgagee authorizes to submit appraisal reports and data to FHA on the mortgagee's behalf.
Getting Started with the EAD Portal
Newly approved FHA mortgagees must establish their presence in the EAD portal before they can complete the necessary steps to obtain an FHA insurance endorsement on a mortgage. Establishing a presence in the EAD portal involves both the mortgagee's intended EAD portal Administrator(s) and the mortgagee's designated FHAC Application Coordinator. Get more information on FHA's Onboarding to the EAD Portal below.
Access the EAD Portal
First-time users must obtain EAD Portal access from the organization's EAD Administrator prior to clicking the icon at the left.
Attention EAD Administrators: Your FHA Connection User ID and password will not provide access to the EAD portal. You must receive EAD-specific access credentials and an Appraisal Portal "One Time Key" for your first log in to the EAD portal. See the Onboarding to the EAD fact sheet for more information.
System and Technical Information
To request the EAD portal Technical Integration Guide for building a direct interface, call the FHA Resource Center at 1-800-225-5342 (Option 2, then Option 6).
EAD Fact Sheets
User Guides
Additional Resources
Onboarding To and Using the Electronic Appraisal Delivery (EAD) Portal
All Federal Housing Administration (FHA)-approved mortgagees must submit required appraisal reports for originations to FHA through the EAD portal.
Newly approved FHA mortgagees, or existing FHA mortgagees who do not have access to EAD, must establish a presence in the EAD portal in order to submit appraisal information to FHA. Submission of appraisal information is required before a mortgagee can proceed with the steps necessary to obtain an FHA insurance endorsement on a mortgage.
Establishing a Presence in the EAD*
To establish a presence in the EAD portal, mortgagees must first have an assigned FHA Connection (FHAC) Application Coordinator who has valid FHAC IDs and passwords to access the FHAC system. Establishing a presence involves both the FHAC Application Coordinator and the mortgagee's designated EAD Administrator(s). Mortgagees must have an assigned EAD Administrator for each of their FHA Lender IDs.
- Newly approved FHA mortgagees: Additional information about accessing FHA Connection will be included in your FHA Approval package. Information for accessing EAD will be provided to FHA approved lenders when applying for Unconditional Direct Endorsement authority during the test case phase of the program.
- Existing FHA-approved mortgagees: In most cases, your EAD portal access credentials are available in FHA Connection. The FHAC application coordinator must first authorize an EAD Administrator within FHA Connection, after which, the EAD Administrator can retrieve the first required access credential - the EAD Portal One Time Key - from the User Profile Page of the FHAC ID Maintenance Menu. The steps for accessing and using the EAD Portal One Time Key, and subsequent steps necessary to establish a presence in the EAD portal, are documented in the EAD Lender Administrator User Guide and FHA's Onboarding to the EAD Quick Start fact sheet.
- Designated Third-Party Service Providers: Must be designated by the mortgagee within the EAD portal before the service provider can access the EAD portal and/or submit appraisal reports and data on the mortgagee's behalf.
*Registered EAD Administrators will receive additional EAD login credentials for their first-time EAD login from the email box [email protected]. Mortgagees should add this email to their address lists to avoid having this email blocked by Spam filters or sent to "Clutter" email boxes.
Using the EAD Portal
Before submitting appraisal reports to FHA through the EAD portal, FHA encourages mortgagees to thoroughly review the EAD user guides and fact sheets available on this site, and view the series of pre-recorded EAD training modules accessible from these pages. In particular, FHA suggests mortgagees review:
- EAD portal information contained in FHA's Single Family Housing Policy Handbook 4000.1, and FHA's Single Family Housing Appraisal Report and Data Delivery Guide;
- Appraisal Loading in the EAD fact sheet; and
- EAD Hard Stop Checks and Error Messages fact sheet.