At American Grid, we follow the guidelines and our compliance is held to the highest of standards.


Pursuant to the Truth In Lending Act (TILA) as amended by Dodd-Frank, lenders (and agents acting on behalf of lenders) must comply with prohibitions of valuation coercion and with other federal provisions, for certain transactions. The TILA language (Regulation Z, 1026.42) may be viewed on the website:
Other entities, states, and agencies also include Appraiser Independence Requirements (AIR) in their lending and valuation requirements, that apply to the lender, its agent, and/or the appraiser.



Real estate appraisers must follow the HUD Handbook 4000.1 and Appraisal Report and Data Delivery Guide for FHA assignments. For USDA assignments, in addition to the FHA requirements, appraisers must also follow USDA Lender Handbook 3555. To read through the guidelines, click on the information below:


Real estate appraisers must deliver appraisals that meet the minimum requirements of the Fannie Mae Selling Guide for most conventional assignments, and may be required to meet certain additional client-specific requirements that are communicated in each engagement letter. For many Fannie Mae appraisals, appraisers are required to prepare reports according to Uniform Appraisal Dataset (UAD) standards. To view the requirements of Fannie Mae, click on the information below.