Category Archives: real estate appraisal

April 1 – Fannie Mae will require appraisers to use the SF Method guidelines per ANSI (American National Standard Institute)

Appraisers will be required to use the Square Footage-Method for Calculating: ANSI® Z765-2021 (American National Standards Institute®)
Measuring Standard for measuring, calculating, and reporting gross living area (GLA) and non-GLA areas of subject properties for appraisals
requiring interior and exterior inspections with effective dates of April 1, 2022 or later on loans sold to Fannie Mae

Here are some items for appraisers to consider when using the
ANSI standard1:
• Measurements are taken to the nearest inch or tenth of a foot, and
the final square footage is reported to the nearest whole square foot.
• Staircases are included in the GLA of the floor from which they descend.
• Basement is any space that is partially or completely below grade.
• The GLA calculation does not include openings to the floor below,
e.g., two-story foyers.
• Finished areas must have a ceiling height of at least 7’. In a room
with a sloping ceiling, at least 50% of the finished square footage
of the room must have a ceiling height of at least 7’ and no portion
of the finished area that has a ceiling height of less than 5’ can be
included in the GLA.
• If a house has a finished area that does not have a ceiling height
of 7’ for 50% of the finished area, e.g., some cape cods, in
conformance with the ANSI Standard, the appraiser may put this
area on a separate line in the Sales Comparison Grid with the
appropriate market adjustment. The report will be ANSI-compliant
and also acknowledge the contributing value of the non-GLA
square footage.

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US plan aims to end racial, ethnic in home appraisals

Vice President Kamala Harris announced a plan Wednesday intended to end racial and ethnic discrimination in the appraisal of home values, part of a broader federal effort to address a wealth gap that systemic inequality has perpetuated.

The plan contains 21 steps to improve oversight and accountability, including a legislative proposal to modernize the governance structure of the appraisal industry. Appraisers help to determine the value of a home so that buyers can receive a mortgage.

Multiple reports, including a September analysis by mortgage buyer Freddie Mac, show that appraisers are more likely to undervalue homes in Black and Hispanic neighborhoods. This form of discrimination widens the racial wealth gap and makes it harder for many Americans from disadvantaged backgrounds to move up the economic ladder.

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So Cal Appraisal Services Virus, Inspection Protocol.

Hi everybody.

We will still be inspecting until instructed otherwise.

When we make the inspection appointment with the homeowner (HO) or real estate agent we will explain the protocol.


When we set up the appointment will tell the HO that they need to have everyone in one room and the dogs to be put in their cage, garage, etc before we enter the home.

When we arrive everyone is to stay 6 feet away from the appraiser.  The appraiser will inspect and measure the outside first.

When the appraiser enters the home we will be wearing an N95 mask, gloves and removing shoes and putting on protective peds.  Please advise children and elderly so they do not become frightened.

Once the inspection is complete the appraiser will go outside and if they have any questions they will invite you outside (6 feet away) and get any information from you.

Again we are still working and we will update our blog if things change.

Keep calm and carry on