Which type of appraisal requires an appraiser to be state certified?

The requirement for an appraiser to be state certified primarily hinges on the type of property being appraised and the specific regulations governing appraisal practices. In the context of a Federal Housing Administration (FHA) loan appraisal, a state certification is necessary because FHA regulations set the standard for appraisals on properties that are financed with FHA loans.

FHA appraisals have heightened standards due to the government's backing of the loans, which necessitates that appraisers possess a certain level of expertise and compliance with federal guidelines. This ensures that properties meet the minimum property standards that protect the interests of both the borrower and the lender, thus requiring appraisers to be state certified.

While commercial property appraisals, residential home appraisals, and tax assessment appraisals do have their own regulatory frameworks, the specific necessity for federal oversight in FHA loan appraisals distinctively mandates state certification to assure adherence to these standards.