Submit Multiple Appraisals to FHA


Mercury Network gives you the ability to submit multiple appraisals to FHA via the EAD portal for a single loan file. This is useful if the loan requires more than one appraisal, since all appraisals for a single loan (up to three of them) are to be submitted under the same Doc File ID in the EAD portal.

For a more detailed look at this process, click here.

Here are the general steps for using Mercury Network to submit multiple appraisals for a single EAD loan file:

  1. The first appraisal is submitted to the EAD portal and a Doc File ID is assigned.  This becomes "Appraisal 1" for this loan in the EAD portal.
  2. When the second appraisal is ordered, the Doc File ID from "Appraisal 1" needs to be manually entered as the Doc File ID for the second order (see instructions here). This way, when the second appraisal is submitted to the EAD portal, it becomes "Appraisal 2" for this loan.
  3. If needed, a third appraisal is ordered, and the existing Doc File ID for the loan is manually entered on the Mercury Network order. Then, when the appraisal is submitted, it becomes "Appraisal 3" for this loan in the EAD portal.

Notice that the key is that you manually enter the loan's Doc File ID on the Mercury Network orders for "Appraisal 2" and "Appraisal 3" prior to submitting those appraisals. That's because the Doc File ID tells Mercury Network that an appraisal was previously submitted for this loan.


If you submit an appraisal to the EAD portal outside of Mercury Network, Mercury Network won't be able to see it.

The EAD portal doesn't communicate "two-ways" regarding your previously submitted appraisals. So, for example, if you've already submitted "Appraisal 1" to the EAD portal outside of Mercury Network and you enter that loan's Doc File ID on an order in Mercury Network, you'll see "Appraisal 1" is listed as "Empty or unknown" when you submit to the EAD portal from Mercury Network. That's because Mercury Network can't see what's already in the portal, but assumes that there's probably an appraisal there since you have a Doc File ID. In this case, if you were to complete the submission for "Appraisal 1," the appraisal you submitted to the EAD portal outside of Mercury Network would be replaced with the new report. So, it's important to know if you've submitted a previous appraisal outside of Mercury Network.

If all your appraisals have been ordered from the appraiser and submitted to the EAD portal entirely through Mercury Network, you don't need to worry: Mercury Network will keep track of all of your submissions based on the Doc File ID you enter on appraisal 2 (and 3, if needed.)


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