Which type of appraiser must complete all required appraisals for USDA loans?

For USDA loans, the appraisals must be conducted by an appraiser who is certified and is familiar with the specific guidelines and requirements set forth by the USDA. An FHA certified appraiser possesses the necessary qualifications and specialization that align with the USDA's criteria for appraisals, ensuring that properties meet the standards for eligibility within the USDA financing framework.

This certification indicates that the appraiser has undergone extensive training and has knowledge of rural property values and appropriate assessment methods required under USDA regulations. Their expertise helps verify that properties are suitable, thereby safeguarding the interests of both lenders and borrowers in the USDA loan program.

The other types of appraisers listed may or may not have the necessary qualifications specifically tailored for USDA loans. For example, while a certified public appraiser might have a broad qualification, they may not be specialized in rural properties or the specific requirements of USDA loans. Similarly, state-licensed appraisers and independent fee appraisers may lack the specific training related to USDA guidelines, which can make them less suitable for conducting appraisals needed for these loans.