The Federal Housing Administrationâ€™s (FHA) Electronic Appraisal Delivery (EAD) portal is a web-based technology system used by FHA-approved mortgagees to submit appraisal reports to FHA. All appraisals for new originations must be submitted to FHA through the portal.
- Offers process efficiencies inherent in an electronic data submission;
- Uses industry standard data formats developed and maintained by the Mortgage Industry Standards Maintenance Organization (MISMO);
- Provides role-based access and functionality, allowing mortgagees to control use; and
- Sends submitted data to the FHA Connection (FHAC) system to pre-populate certain FHAC data fields in the Appraisal Logging screen.
There are two ways for mortgagees to access and submit appraisals through the EAD portal:
- Through the web via the EAD portalâ€™s secure URL at https://www.ElectronicAppraisalDelivery.com, which allows up to 10 appraisal submissions at one time; or
- By building a direct integration interface to the portal from a mortgageeâ€™s systems using the EAD Portal Technical Integration Guide. This method allows hundreds of appraisals to be submitted at one time. Request a Technical Integration Guide by calling the FHA Resource Center at 1-800-225-5342 (Option 2, then Option 5).
- EAD Administrator: The individual(s) within a mortgageeâ€™s organization responsible for: managing the organizationâ€™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 mortgageeâ€™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 mortgageeâ€™s behalf.
Getting Started with EAD
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 mortgageeâ€™s intended EAD portal Administrator(s) and the mortgageeâ€™s designated FHAC Application Coordinator. Get more information on FHAâ€™s Onboarding to the EAD Portal web page.
Go to Onboarding to the EAD page