All Federal Housing Administration (FHA)-approved mortgagees must submit required appraisal reports for originations to FHA through the Legacy EAD portal or through the FHA Catalyst: EAD Module.

Newly-approved FHA mortgagees, or existing FHA mortgagees who do not have access to EAD, must establish a presence in the Legacy EAD portal or in FHA Catalyst EAD 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 Legacy EAD*

To establish a presence in the Legacy 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.

*Registered EAD Administrators will receive additional EAD login credentials for their first-time EAD login from the email box noreply@veros.com. 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 Legacy EAD Portal

Before submitting appraisal reports to FHA through the Legacy 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: