What must an appraiser certify regarding the property?

The appraiser must certify that the property meets all HUD property standards because these standards ensure that the home is safe, livable, and suitable for financing under programs like the USDA Rural Housing Loan. The certification process is designed to protect both the buyer and the lender by verifying that the property complies with health and safety regulations, and that it has adequate amenities for the occupants.

This certification is critical as it establishes the minimum property conditions that must be met to qualify for government-backed loans. In the context of USDA loans, properties are assessed to ensure they are located in eligible rural areas and that they adhere to the quality and habitability standards outlined by HUD.

Other options may address related concerns but do not capture the core requirement for appraisal certification under USDA guidelines. For instance, the requirement regarding HOA standards is not applicable unless the property is under such jurisdiction, while environmental issues can be a consideration but are not the primary focus of appraisal certification directly. Marketable title relates more to ownership and legal aspects rather than the physical condition of the property, which is what the appraiser primarily assesses.