Client Compliance Resources


You don’t have to allow compliance standards and increasing regulation, which may vary from state to state, derail your production.  Class Appraisal has designed an air tight operational process including an audit trail for every work file.  Our engaged appraiser professionals also uphold the regulatory requirements with respect to Appraiser Independence and non-Influence. Class Appraisal certifies with each product that the appraisal report and the process and communication surrounding its production, is in compliance with non-influence standards. A certificate is included with each product package which is signed  and verified by our Chief Compliance Attorney.  Below you will see the various documents and links we believe you will find useful.  

Fannie Mae Federal National Mortgage Association (FNMA)

Fannie Mae Selling Guide Announcement July 30, 2013

Freddie Mac Federal Home loan Mortgage Corporation (FHLMC)

Home Steps  the official REO home search of Freddie Mac. Find Freddie Mac homes for sale and Freddie Mac foreclosures listings.

Consumer Financial Protection Bureau (CFPB)  Their vision is a consumer finance market place that works for American consumers, responsible providers, and the economy as a whole.

Mortgage Bankers Association (MBA) Official web site.

State Appraisal Regulatory Agencies (Appraisal Boards) Directory  Find the web sites and phone numbers for every state agency that oversees the licensing and regulating of real estate appraisers in compliance with federal guidelines. License holders are verified to have adequate education and experience and to have demonstrated a competency to provide quality service consistent with their specific credentials.

Valuation Research, LLC Valuation Research, LLC provides automated residential valuation services that are the most accurate and most affordable in the marketplace.  The valuation systems designed by Valuation Research, LLC had their genesis in the real property appraisal and assessment industries in the early 1980s, and have since been used by lenders, appraisers and other real estate professionals in all 50 states.  The company’s automated valuation systems have been judged by international lenders and rating agencies, in competitive testing, to be among the most accurate in the nation.

U.S. Department of Housing and Urban Development (HUD)  HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes: utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination; and transform the way HUD does business.

FHFA.gov Official site of the Federal Housing Finance Agency, which tracks and reports the House Price Index (HPI), a scale for determining rising and declining values by geographic location.

REALTOR.com The world’s largest real estate database of homes for sale and official site of the National Association of Realtors.

HOMES.com One of the nation’s top online destinations for real estate listings with sold home listings and data.

MortgageElements.com The fastest and easiest way for Mortgage Brokers and Loan Officers to find Wholesale Mortgage Lenders, Programs, and Guidelines.

NETRONLINE.com Contains county property and tax records.

GOOGLEEARTH.com A satellite-imagery mapping product providing street level property views.

Vital Documents
Interim Final Rule – TILA Section 129E
FNMA AIR Guidelines
Interagency Guidelines
UCDP Registration
Appraiser Independence Requirements
Dodd Frank Act