On November 22, 2022, FHA published Mortgagee Letter (ML) 2022-19, Rescinding the Mandatory Use Date for the FHA Catalyst: Electronic Appraisal Delivery (EAD) Module. This ML rescinds the mandatory use dates for mortgagees to submit appraisals for single family Title II forward and reverse mortgage endorsements through the FHA Catalyst: EAD Module. FHA is also discontinuing the onboarding of new mortgagees and all activities related to integrating with FHA Catalyst: EAD Module.
Read Mortgagee Letter 2022-19 dated November 22, 2022, for the details.
The Federal Housing Administration's (FHA) Legacy 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 Legacy EAD portal or may be temporarily submitted through the FHA Catalyst EAD Module until March 17, 2023.
Legacy EAD Features
- 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.
Legacy EAD Access Methods
There are two ways for mortgagees to access and submit appraisals through the Legacy EAD portal:
- Through the web via the Legacy EAD portal'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 mortgagee's systems using the Legacy 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).
- While building a direct integration connection to the legacy EAD is still available, lenders will soon be able to directly integrate with the FHA Catalyst: EAD Module.
Legacy EAD User Roles
- EAD Administrator: The individual(s) within a mortgagee's organization responsible for: managing the organization's presence within the Legacy 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 Legacy EAD Portal
Newly approved FHA mortgagees must establish their presence in the Legacy EAD portal or in FHA Catalyst EAD Module before they can complete the necessary steps to obtain an FHA insurance endorsement on a mortgage. Establishing a presence in the Legacy EAD portal involves both the mortgagee's intended Legacy EAD portal Administrator(s) and the mortgagee's designated FHAC Application Coordinator. Get more information on FHA's Onboarding to the legacy EAD Portal web page.
Go to Onboarding to the EAD page
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 Legacy EAD portal. You must receive EAD-specific access credentials and an Appraisal Portal "One Time Key" for your first log in to the Legacy EAD portal. See the Onboarding to the EAD fact sheet for more information.
- To request the Legacy EAD portal Technical Integration Guide for building a direct interface, call the FHA Resource Center at 1-800-225-5342 (Option 2, then Option 5).
- While building a direct integration connection to the legacy EAD is still available, lenders will soon be able to directly integrate with the FHA Catalyst: EAD Module.