Received notice from FHA/HUD today in Mortgagee Letter 2009-28... "Enactment of ML 2009-28, Appraiser Independence, will be delayed until February 15, 2010. ML09-28 (originally planned for a January 1, 2010 implementation) has two parts: a) prohibition of mortgage brokers and commission-based lender staff from the appraisal process, and b) appraiser selection in FHA Connection. The effective date for both sections of this guidance will now take effect for all case numbers assigned on or after February 15, 2010. This extension will provide FHA and lenders additional time to adjust systems to accommodate the changes." So mortgage brokers can still order their own FHA appraisals for another two months. I'm both certified and FHA approved to complete FHA insured mortgage appraisals in the state of California.