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Real Estate Research starts here! | International Commercial Property | Commercial Law Firms | International Real Estate |      Oct 20, 2017

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home valuation code of conduct (HVCC) (US)

A code of practice that has been established for appraisals carried out when a loan is to be made or supported by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac). The primary aim of the Code is to eliminate conflicts of interest, fraud and other misconduct in the mortgage industry and to assure that borrowers, homebuyers and secondary mortgage market investors receive fair and independent property valuations. The Code will be effective for single-family mortgage loans (except government-insured loans) that are originated on or after January 1, 2009, and delivered to Fannie Mae or Freddie Mac The Federal Housing Finance Agency (FHFA) (www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/appcode/pdf/appraisalcode.pdf www.fhfa.gov/webfiles/276/HVCCFinalCODE122308.pdf




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