All Federal Housing Administration (FHA)-approved mortgagees must submit required appraisal reports for originations to FHA through the Legacy EAD portal or through the FHA Catalyst: EAD Module.
Newly-approved FHA mortgagees, or existing FHA mortgagees who do not have access to EAD, must establish a presence in the Legacy EAD portal or in FHA Catalyst EAD 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 the Legacy EAD*
To establish a presence in the Legacy 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 Legacy 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 noreply@veros.com. 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 Legacy EAD Portal
Before submitting appraisal reports to FHA through the Legacy EAD 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:
- EAD portal information contained in FHA's Single Family Housing Policy Handbook 4000.1, and FHA's Single Family Housing Appraisal Report and Data Delivery Guide;
- Appraisal Loading in the EAD fact sheet; and
- EAD Hard Stop Checks and Error Messages fact sheet.
Go to EAD Portal Main Page
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