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Independent Contractor Fha Appraiser Jobs (NOW HIRING)

Golden Empire Mortgage Inc

APPRAISAL CLERK

Bakersfield, CA · On-site

$16.90 - $20.83/hr

... FHA Appraiser Independence regulations 2. Maintain Appraiser roster 3. Process completed appraisal reports according to AIR, ECOA and FHA Appraiser Independence regulations. 4. Retrieve FHA case ...

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Independent Contractor Fha Appraiser information

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$43.5K

$73K

$99.5K

How much do independent contractor fha appraiser jobs pay per year?

As of Jul 26, 2026, the average yearly pay for independent contractor fha appraiser in the United States is $73,043.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,000.00 and $92,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as an Independent Contractor FHA Appraiser, and why are they important?

To thrive as an Independent Contractor FHA Appraiser, you need comprehensive knowledge of real estate appraisal principles, FHA/HUD appraisal guidelines, and a valid state appraiser license or certification. Familiarity with appraisal management software, MLS systems, and electronic form submission platforms is typically required. Strong analytical skills, attention to detail, time management, and effective communication are crucial soft skills for success. These competencies ensure accurate, compliant appraisals and timely service, which are critical for meeting regulatory standards and client expectations.

What is an Independent Contractor FHA Appraiser?

An Independent Contractor FHA Appraiser is a licensed professional who evaluates the value and condition of residential properties for Federal Housing Administration (FHA) insured loans. They work independently, not as employees of a particular appraisal firm, and are responsible for ensuring that properties meet FHA standards and guidelines. Their appraisals help lenders determine if a property qualifies for FHA financing and establish its fair market value. These appraisers must be approved by the FHA and adhere to strict regulations and ethical standards.

What is the difference between Independent Contractor Fha Appraiser vs Licensed Real Estate Appraiser?

AspectIndependent Contractor Fha AppraiserLicensed Real Estate Appraiser
CredentialsFHA certification, state licensingState licensing, certification varies by state
Work EnvironmentTypically self-employed, contracted for FHA loansSelf-employed or employed by appraisal firms
Employer & Industry UsagePrimarily in mortgage lending, FHA loan processBroader real estate valuation, sales, refinancing

The main difference is that an Independent Contractor Fha Appraiser specializes in FHA loan appraisals and holds specific FHA certification, working mainly within the mortgage industry. A Licensed Real Estate Appraiser has broader licensing for various property valuations but may not be FHA-specific. Both roles require state licensing, but their primary work focus and industry usage differ.

Can a contractor be an appraiser?

An independent contractor can become a licensed appraiser if they meet state licensing requirements, which typically include completing specific education, gaining experience, and passing a licensing exam. Appraisers often work independently or for appraisal firms and must adhere to industry standards and regulations. Contractors without appraisal licensing cannot legally perform real estate appraisals for compensation.

Will AI replace appraisers?

AI technology is increasingly used to assist appraisers by providing data analysis and property valuation models, but it is unlikely to fully replace independent FHA appraisers due to the need for professional judgment, on-site inspections, and compliance with regulations. Appraisers' expertise remains essential for accurate and context-aware property assessments. AI tools serve as support rather than a complete substitute in the appraisal process.

How to get on the FHA appraiser roster?

To become an FHA appraiser, you must be licensed or certified in your state, complete FHA-specific training, and pass the FHA appraisal exam. Then, you can apply through the FHA's Roster Management System, providing necessary documentation and meeting experience requirements. Once approved, you will be added to the FHA appraiser roster and can perform FHA-insured loan appraisals.

What are some common challenges faced by Independent Contractor FHA Appraisers when working with lenders and meeting FHA guidelines?

Independent Contractor FHA Appraisers often encounter challenges such as navigating complex FHA appraisal guidelines, meeting tight turnaround times requested by lenders, and ensuring all required documentation is accurate and complete. Additionally, appraisers must stay updated on frequent changes to FHA rules and ensure that properties meet the minimum property standards. Effective communication with lenders and underwriters is crucial to clarify any issues and avoid delays in the appraisal process.

How much does an FHA appraiser make?

An FHA appraiser typically earns between $50,000 and $80,000 annually, depending on experience, location, and workload. Many appraisers work as independent contractors, setting their own schedules and rates, with some earning higher income through volume and specialization in FHA loan appraisals.
More about Independent Contractor Fha Appraiser jobs
What cities are hiring for Independent Contractor Fha Appraiser jobs? Cities with the most Independent Contractor Fha Appraiser job openings:
What are the most commonly searched types of Fha Appraiser jobs? The most popular types of Fha Appraiser jobs are:
What states have the most Independent Contractor Fha Appraiser jobs? States with the most job openings for Independent Contractor Fha Appraiser jobs include:
What job categories do people searching Independent Contractor Fha Appraiser jobs look for? The top searched job categories for Independent Contractor Fha Appraiser jobs are:
Independent Contractor Fha Appraiser jobs near you
Infographic showing various Independent Contractor Fha Appraiser job openings in the United States as of July 2026, with employment types broken down into 35% Locum Tenens, 2% Internship, 52% Full Time, 1% Part Time, and 10% Nights. Highlights an 85% Physical, 3% Hybrid, and 12% Remote job distribution, with an average salary of $73,043 per year, or $35.1 per hour.
APPRAISAL CLERK

APPRAISAL CLERK

Golden Empire Mortgage Inc

Bakersfield, CA • On-site

$16.90 - $20.83/hr

Full-time

Posted 3 days ago

Job description

Join the GEM Mortgage Team!

Ready to be part of a leading mortgage lender that truly puts clients first at GEM Mortgage, a division of Golden Empire Mortgage, we've been a respected leader in the industry for nearly 40 years, guided by our core belief that our borrowers' interests come first. We're dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

Our mission is to build long-lasting relationships with borrowers and real estate partners, be an employer of choice with growth opportunities for our team members, and operate as a trustworthy, financially sound enterprise that positively influences our communities.

At Golden Empire Mortgage, our LEADER values guide everything:

  • Loyalty to our team, borrowers, and partners.
  • Excellence in all we do.
  • Accountability—we take ownership.
  • Driven for continuous improvement.
  • Engaged to deliver success.
  • Reliability you can count on.

If you're passionate about making a real difference in people's lives, delivering exceptional service, and growing your career with a company that truly values its people and its purpose, we invite you to explore opportunities with us. Come join GEM Mortgage and help us empower clients and communities!

Summary

Under general supervision of the Centralized Operations Manager, the Appraisal Clerk is responsible for reviewing, verifying and processing the appraisal requests according to AIR regulations and GEM policy and procedures as well as review and process the FHA case numbers from the FHA Connection for Government loans. The Appraisal Clerk is also responsible for the retrieval and processing of the completed appraisal report according AIR, ECOA regulations and GEM policy, uploading the conventional appraisal to the UCDP portal and the imaged folder as well as logging the completed appraisal report into the FHA Connection for FHA loans.

Essential job functions

1. Appraisal ordering by rotation for Conventional, FHA, VA and USDA appraisals according to AIR and FHA Appraiser Independence regulations

2. Maintain Appraiser roster

3. Process completed appraisal reports according to AIR, ECOA and FHA Appraiser Independence regulations.

4. Retrieve FHA case assignments for FHA loans according to FHA guidelines

5. Coordinate with branches on any appraisal issues related to investor guidelines or exclusionary lists.

6. Act as liaison between our branches and the appraisers, related to any value reconsideration requests or appraisal corrections.

Minimum requirements

High School Diploma/GED, at least one year of experience in the Mortgage industry and at least 2 years clerical experience; OR, Any equivalent combination of experience and/or education from which comparable knowledge, skills and abilities have been achieved

Abilities required

1. Knowledge of appraisal principles, practices, regulations and procedures related to AIR and FHA Appraiser Independence.

2. Skill in problem solving issues as they arise and escalating them to management when necessary.

3. Skill in both verbal and written communication.

4. Knowledge of Excel, Outlook and Word.


Compensation Disclosure
This is a non-exempt, hourly position. The pay range for this role is $16.90 to $20.83 per hour, depending on experience and qualifications. Overtime is paid in accordance with California state and federal labor laws. Additional compensation, such as bonuses or incentive pay, may be available based on performance and business needs.

At-Will Employment

This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law.

Work Location
This position is primarily based in our office located at 1200 Discovery Dr, Bakersfield Ca. Regular in-office attendance is required during standard business hours.

Equal Opportunity Employer

Golden Empire Mortgage is an Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law.

Reasonable Accommodations

Golden Empire Mortgage is committed to providing reasonable accommodation for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation, please contact us at HR@gemcorp.com.

California Consumer Privacy Notice

Golden Empire Mortgage may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy https://gemcorp.com/page/privacy-notice .