What certification must appraisers have to perform FHA appraisals?

To perform FHA appraisals, appraisers must possess state certification, which is mandated by federal regulations. The Federal Housing Administration (FHA) requires appraisers to be qualified to ensure that the property valuation meets specific standards and is conducted fairly and accurately. State certification is a requirement that verifies an appraiser's credentials and demonstrates their compliance with state laws, as well as adherence to the Uniform Standards of Professional Appraisal Practice (USPAP).

While federal and national certifications pertain to broader qualifications, the specific requirement for FHA appraisals is that appraisers hold state certification. This ensures that they have the necessary training and understanding of the local real estate market, which is crucial for accurate appraisals related to FHA-insured loans. Local certification, on the other hand, is not typically a recognized credential within the context of the FHA's requirements. Thus, the most appropriate answer is state certification, as it is the requisite level of qualification needed to carry out FHA appraisals.