All Federal Housing Administration (FHA)-approved mortgagees must submit required appraisal reports for new originations to FHA through the EAD portal, for all case numbers assigned on or after June 27, 2016.
If you’re a newly-approved FHA mortgagee, or an existing FHA mortgagee who has not yet onboarded to the EAD portal, you must establish your presence in the EAD portal in order to submit appraisal information to FHA. Submission of appraisal information is required before a mortgagee can proceed with the steps necessary to obtain an FHA insurance endorsement on a mortgage.
Establishing a Presence in EAD*
To establish a presence in the EAD portal, mortgagees must first have an assigned FHA Connection (FHAC) Application Coordinator who has valid FHAC IDs and passwords to access the FHAC system. Establishing a presence involves both the FHAC Application Coordinator and the mortgagee’s designated EAD Administrator(s). Mortgagees must have an assigned EAD Administrator for each of their FHA Lender IDs.
- Newly-approved FHA mortgagees: Additional information about accessing FHA Connection will be included in your FHA Approval package. Information for accessing EAD will be provided to FHA approved lenders when applying for Unconditional Direct Endorsement authority during the test case phase of the program.
- Existing FHA-approved mortgagees: In most cases, your EAD portal access credentials are available in FHA Connection. The FHAC application coordinator must first authorize an EAD Administrator within FHA Connection, after which, the EAD Administrator can retrieve the first required access credential – the EAD Portal One Time Key – from the User Profile Page of the FHAC ID Maintenance Menu. The steps for accessing and using the EAD Portal One Time Key, and subsequent steps necessary to establish a presence in the EAD portal, are documented in the EAD Lender Administrator User Guide and FHA’s Onboarding to the EAD Quick Start fact sheet.
- Designated Third-Party Service Providers: Must be designated by the mortgagee within the EAD portal before the service provider can access the EAD portal and/or submit appraisal reports and data on the mortgagee’s behalf.
*Registered EAD Administrators will receive additional EAD login credentials for their first-time EAD login from the email box firstname.lastname@example.org. Mortgagees should add this email to their address lists to avoid having this email blocked by SPAM filters or sent to “Clutter” email boxes.
Using the EAD Portal
Before submitting appraisal reports to FHA through the portal, FHA encourages mortgagees to thoroughly review the EAD user guides and fact sheets available on this site, and view the series of pre-recorded EAD training modules accessible from these pages. In particular, FHA suggests mortgagees review: