An appraiser needs to be state certified to perform which of the following appraisals?

• A. Commercial property appraisal
• B. Appraisal related to an FHA loan
• C. Tax assessment appraisal
• D. Home equity appraisal

Answer: (B)

The key idea is that FHA loan appraisals must be done by an appraiser who is both state-licensed or certified and on the FHA Roster of Approved Appraisers. This roster ensures the appraiser understands FHA-specific guidelines and minimum property standards that govern insured loans. Because of that, an appraisal tied to an FHA loan requires that the appraiser be on that roster, which is why this option is the best choice. Other types of appraisals—like a commercial property appraisal, a tax assessment completed by the county, or a home equity appraisal—do not require FHA roster eligibility, so they don’t hinge on being state-certified in the same way.