The Federal Housing Administration’s (FHA) Electronic Appraisal Delivery (EAD) portal is a web-based technology system used by FHA-approved mortgagees to submit appraisal reports to FHA – for new originations of all FHA products and programs that require an appraisal. All appraisals for new originations must be submitted to FHA through the portal for all FHA case numbers assigned on or after June 27, 2016.
- Offers process efficiencies inherent in an electronic data submission;
- Uses industry standard data formats developed and maintained by the Mortgage Industry Standards Maintenance Organization(MISMO);
- Provides role-based access and functionality, allowing mortgagees to control use; and
- Sends submitted data to the FHA Connection (FHAC) system to pre-populate certain FHAC data fields in the Appraisal Logging screen.
There are two ways for mortgagees to access and submit appraisals through the EAD portal:
- Through the web via the EAD portal’s secure URL at https://www.ElectronicAppraisalDelivery.com, which allows up to 10 appraisal submissions at one time; or
- By building a direct integration interface to the portal from a mortgagee’s systems using the EAD Portal Technical Integration Guide. This method allows hundreds of appraisals to be submitted at one time. Request a Technical Integration Guide by email.
- EAD Administrator: The individual(s) within a mortgagee’s organization responsible for: managing the organization’s presence within the EAD portal; and assigning and managing individual user and designated third-party service provider access rights.
- EAD User: The individual(s) within a mortgagee’s organization who will access the portal to deliver appraisal data and reports to FHA.
- Designated Third-Party Service Provider: A third-party service provider, such as an appraisal management company or outsourced fulfillment provider that the mortgagee authorizes to submit appraisal reports and data to FHA on the mortgagee’s behalf.
Getting Started with EAD
Newly approved FHA mortgagees must establish their presence in the EAD portal before they can complete the necessary steps to obtain an FHA insurance endorsement on a mortgage. Establishing a presence in the EAD portal involves both the mortgagee’s intended EAD portal Administrator(s) and the mortgagee’s designated FHAC Application Coordinator. Get more information on FHA’s Onboarding to the EAD Portal web page.
Go to Onboarding to the EAD page