What is the 15-hour USPAP course and who needs to take it?
The 15-Hour National USPAP Course is required qualifying education for anyone seeking a real property appraiser credential. Appraisers complete it once, typically at the trainee stage as part of the 83-hour core curriculum. For state real property credit, the course must be taught by an AQB-Certified USPAP Instructor who holds a current Certified Residential or Certified General credential. The personal property and business appraisal versions of the course do not count toward real property requirements.
The 15-hour National USPAP course covers the Uniform Standards of Professional Appraisal Practice, the standards every person who performs real estate appraisals in Alabama must follow. It is part of the qualifying education for every Alabama classification, from Trainee through Certified General. The course must be taught by an Appraiser Qualifications Board (AQB)-certified instructor, and for Licensed, Certified Residential, and Certified General applications it must be completed within the 24 months before the application date.
Sources: Alabama REAB: Checklist for Becoming Licensed and/or Certified Appraiser (fees effective August 1, 2018).
The 15-Hour National USPAP Course is the entry-level course on the Uniform Standards of Professional Appraisal Practice (USPAP), required as qualifying education for initial appraiser licensure nationwide. In Alaska it counts within the 83 classroom hours a trainee applicant must document, alongside courses in basic appraisal principles, basic appraisal procedures, and Valuation Bias and Fair Housing, and it must be completed within the five years before applying. Anyone seeking trainee registration or appraiser certification needs it.
Sources: Alaska: statutes and regulations, certified real estate appraisers (AS 08.87, 12 AAC 70), Jan 2026.
The 15-Hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice, the ethical and performance standards that Arizona makes state law under A.R.S. §32-3610. Every applicant for an appraiser credential must complete the course (or its equivalent) once for licensure. In Arizona, it counts as 15 of the 83 qualifying education hours for a registered trainee appraiser.
Sources: Arizona DIFI — Application Requirements: Registered Trainee Real Property Appraiser.
The 15-Hour National USPAP Course is a qualifying-education class covering the Uniform Standards of Professional Appraisal Practice (USPAP), the professional standards Arkansas appraisers must follow under the state rules, which adopt the 2024 USPAP. Anyone applying for the Registered Apprentice credential in Arkansas must complete it as part of the 83 hours of qualifying education required to apply.
Sources: Arkansas SBAAHI Rules (2026), Subparts 1-2: General Provisions and Appraisers (17 CAR § 200-101 et seq.).
The 15-hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the standards that govern appraisal work. Every Trainee Appraiser applicant in California must complete it as part of the 83 hours of qualifying education. The course must be BREA-approved and taught by an AQB Certified Instructor who is also a Certified Residential or Certified General appraiser in good standing.
Sources: CA BREA — USPAP Requirements; California BREA: how to become a trainee appraiser.
The 15-Hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice, the appraisal profession's ethics and standards rules. It is part of Colorado's qualifying education for every appraiser credential, so anyone seeking a Colorado appraiser license must complete it before applying. It cannot substitute for the 7-Hour National USPAP Update Course that renewing appraisers must take each cycle.
Sources: Colorado DRE: Appraiser Qualifying Education, Experience and Examination Requirements; Colorado DRE: Appraiser Continuing Education.
The 15-hour USPAP course is the introductory course on the Uniform Standards of Professional Appraisal Practice, and aspiring appraisers complete it as part of their qualifying education for the Provisional Appraiser credential. For licensees, the 15-hour course can be used only as a continuing education elective; it cannot replace the 7-hour USPAP Update that Connecticut requires each two-year cycle.
Sources: Connecticut DCP: Real Estate Appraiser — Continuing Education.
The 15-hour Uniform Standards of Professional Appraisal Practice (USPAP) course is the qualifying-education course covering the standards that govern how appraisals are performed and reported. In DC, every Appraiser Trainee applicant must complete it as part of the 83 hours of qualifying education, and those trainee hours count toward the Certified Residential and Certified General classroom-hour requirements.
Sources: DC Board of Real Estate Appraisers (DLCP): home and requirements page; AQB 2026 Real Property Appraiser Qualification Criteria summary chart (education, experience, scope by credential).
The 15-Hour National USPAP course covers the Uniform Standards of Professional Appraisal Practice, the professional standards appraisers must follow when performing appraisals. In Florida, it is a required part of the 100 hours of qualifying education for the Registered Trainee Appraiser credential. Appraisers then stay current through USPAP update training in each continuing education cycle.
Sources: Florida Department of Business and Professional Regulation (DBPR), Division of Real Estate — Florida Real Estate Appraisal Board licensing FAQ (per Rule 61J1-10.002, F.A.C.).
The 15-hour USPAP course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the national standards that govern appraisal work. In Georgia, it is part of the 90 hours of qualifying education required for the State Trainee and State Registered classifications, alongside 30 hours of Basic Appraisal Principles, 30 hours of Basic Appraisal Procedures, and 15 hours of Residential Report Writing and Case Studies. You must complete all qualifying education within the 5 years before you apply.
Sources: Georgia Real Estate Appraisers Board — Rule 539-1-.16 (Georgia Secretary of State rules / GREC); Georgia GREAB: obtaining an appraiser classification.
The 15-hour National USPAP Course teaches the Uniform Standards of Professional Appraisal Practice (USPAP), the ethics and standards that govern every appraiser. Trainee applicants in Hawaii must complete it as part of their 83 hours of qualifying education, with official transcripts or signed certificates attached to the registration. It does not count for continuing education; the 7-hour USPAP update is the course required at renewal.
Sources: AQB 2026 Real Property Appraiser Qualification Criteria — summary chart (effective January 1, 2026); Hawaii Administrative Rules ch. 16-114 (amended and compiled Nov 27, 2016): Real Estate Appraisers.
The 15-hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice, the conduct and ethics rules Idaho adopts for all real estate appraisers, and it ends with an exam. Every trainee applicant must complete it as part of qualifying education: 75 hours under the rule in effect through December 31, 2025, and 83 hours under the Appraisal Qualifications Board criteria effective January 1, 2026, which adds an 8-hour Valuation Bias and Fair Housing course.
Sources: AQB 2026 Criteria summary chart (education, experience, scope by credential), effective January 1, 2026.
The 15-hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the standards all Illinois-licensed appraisers must follow. Trainee applicants must complete it, or its AQB equivalent, as part of their qualifying education, and the course must be no more than 5 years old at the date of application. Illinois also accepts the 15-hour course as qualifying education for the Certified Residential and Certified General credentials, but it does not substitute for the 7-Hour National USPAP Update required at renewal.
Sources: Illinois Administrative Code, 68 Ill. Adm. Code 1455.150 (Qualifying Education and Experience Requirements), amended at 48 Ill. Reg. 14553, effective September 24, 2024; IDFPR — How Do I Become an Appraiser Trainee in Illinois; IDFPR — 2027 Real Estate Appraiser Renewal CE Fact Sheet.
The 15-hour USPAP course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the national standards that govern how appraisals are performed and reported. Indiana requires it as part of the 75 hours of prerequisite education for an Appraiser Trainee application, alongside Basic Appraisal Principles and Basic Appraisal Procedures. Every trainee applicant must complete it, and the completion date cannot be older than 5 years from the application date.
Sources: Indiana PLA: real estate appraiser licensing information (applications, fee schedule, renewal).
The 15-hour National USPAP course is the qualifying education component that covers the Uniform Standards of Professional Appraisal Practice (USPAP), and it ends with a closed-book exam you must pass, with no alternative allowed. Every Kansas credential requires it: the 158-hour State Licensed, 200-hour Certified Residential, and 300-hour Certified General curricula all include it. Trainees must complete it too, because a provisional applicant must meet the same educational requirements as the credential being sought.
Sources: Kansas appraiser regulations (K.A.R. Agency 117); KREAB: Qualifying Education Requirements.
The 15-hour National USPAP course covers the Uniform Standards of Professional Appraisal Practice, the standards that govern appraisal practice, and is taught as a qualifying-education course rather than continuing education. Every applicant for Kentucky's Associate Real Property Appraiser credential must complete it, and it counts within the 105 hours of qualifying education required before licensure. Experience credit is only given for work performed in compliance with USPAP.
Sources: 201 KAR 30:190: Certification and licensing requirements; KRPAB Form 002: Associate Real Property Appraiser Application.
The 15-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Course covers the professional standards every appraiser must follow and ends with a required exam. It counts within the 83 hours of qualifying education for the Trainee Appraiser credential and is included at every higher level (158 hours for Licensed Residential, 200 for Certified Residential, 300 for Certified General). Anyone pursuing an appraiser credential in Louisiana must take it, and an Appraiser Qualifications Board (AQB)-approved equivalent is accepted.
Sources: LREAB: Appraiser Trainee requirements and supervision; AQB Real Property Appraiser Qualification Criteria summary chart, effective January 1, 2026 (hosted by Oklahoma REAB).
The 15-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Course teaches the professional standards Maine appraisers must follow. It is part of trainee qualifying education in Maine, sitting within the 75-hour core curriculum alongside 30 hours of basic appraisal principles and 30 hours of basic appraisal procedures, and it also counts toward the qualifying-education totals for the Licensed Residential, Certified Residential, and Certified General credentials.
Sources: ASC Final Compliance Review of Maine's Appraiser Program (Appraisal Subcommittee, federal), confirming AQB Real Property Appraiser Qualification Criteria effective January 1, 2026.
The 15-hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice and is required qualifying education for Maryland's Appraiser Trainee license. It counts within the 75 tested hours you must complete within the 5 years before applying. The course must be taught by an instructor who is both an AQB certified USPAP instructor and a state certified residential or certified general appraiser.
Sources: Maryland REAHI: appraiser license requirements.
The 15-hour Uniform Standards of Professional Appraisal Practice (USPAP) course is the minimum USPAP training required of every Massachusetts appraiser applicant. All applicants, from Trainee through Certified General, must complete at least 15 hours of USPAP from the Board's primary education list as part of qualifying education.
Sources: Massachusetts: continuing and pre-licensing education requirements for appraisers (Mass.gov).
The 15-Hour National USPAP Course teaches the ethical and performance standards that govern real property appraisals in the United States. Anyone seeking an appraiser credential must complete it: Michigan counts the course within the qualifying education for every credential level, from the Limited (trainee) license through Certified General. Under Michigan rule R 339.23320, USPAP credit is awarded only when the course is taught by an AQB certified instructor.
Sources: Michigan LARA: limited real estate appraiser (trainee) license.
The 15-Hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the standards that all appraisers must follow. It is required qualifying education for every Minnesota appraiser license level, from Trainee through Certified General, and its end-of-course exam must be passed to earn credit. A 7-Hour National USPAP Update Course is then required as continuing education every two calendar years.
Sources: Minnesota Commerce: Valuation Bias and Fair Housing Laws and Regulations appraiser course application; Minnesota Commerce: individual appraiser license (residential).
The 15-hour National USPAP (Uniform Standards of Professional Appraisal Practice) course is part of the qualifying education that Mississippi appraiser applicants must complete. The Mississippi Appraisal Board requires it within five years of the application date for trainees and for every upgrade to Licensed Residential, Certified Residential, or Certified General. Since January 1, 2026, new applicants and upgraders must also complete the 8-hour National Valuation Bias and Fair Housing Laws and Regulations course with a test.
Sources: MAB: trainee and supervisor information; MAB: certified residential appraiser information.
The National USPAP course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the ethical and performance standards that govern real estate appraisers in Missouri and nationally. Anyone seeking a trainee credential in Missouri must complete the course, and it counts within the 87 hours of trainee qualifying education required for applications on or after January 1, 2026. Supervisory appraisers must also complete an approved Missouri supervisor/trainee course before supervising.
Sources: Missouri Secretary of State — Code of State Regulations, 20 CSR 2245-6.018 AQB 2026 Licensure Criteria.
The 15-hour National USPAP course covers the Uniform Standards of Professional Appraisal Practice, the standards every appraiser must follow. Under the Appraiser Qualifications Board criteria effective January 1, 2026, it is part of the 83 hours of qualifying education required for the Trainee Appraiser credential, along with Basic Appraisal Principles, Basic Appraisal Procedures, and the Valuation Bias and Fair Housing course.
Sources: ASC Compliance Review of Montana's Appraiser Regulatory Program (final report, Aug 18, 2026); AQB 2026 Real Property Appraiser Qualification Criteria summary chart (effective January 1, 2026).
The 15-Hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice, the ethics and performance standards appraisers must follow for federally related transactions. Anyone seeking an appraiser credential must complete it as qualifying education, within two years of applying. Nebraska requires it at every credential level, from Licensed through Certified General.
Sources: PSI: Nebraska Real Property Appraiser Examination Candidate Information Bulletin.
The 15-Hour National Uniform Standards of Professional Appraisal Practice (USPAP) Course teaches the ethics and standards that govern appraisal work. It is required qualifying education for initial appraiser licensure, and Nevada requires 15 hours in the National USPAP Course before you can register as an intern (Nevada's term for a trainee). For Nevada credit, the course must be taught by an Appraiser Qualifications Board (AQB)-Certified USPAP Instructor.
Sources: NAC 645C.243 — Registration as intern: Required instruction (LII mirror).
The 15-hour National USPAP Course teaches the Uniform Standards of Professional Appraisal Practice (USPAP), the ethical and performance standards for appraisers developed by The Appraisal Foundation. It is part of the core qualifying education for trainee appraisers, so anyone seeking New Hampshire's Apprentice Appraiser credential must complete it. Under the AQB criteria New Hampshire follows, the course sits alongside 30 hours of Basic Appraisal Principles and 30 hours of Basic Appraisal Procedures.
Sources: AQB 2026 Real Property Appraiser Qualification Criteria summary chart (education, experience, scope by credential), hosted by Oklahoma REAB.
The 15-Hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the professional standards that govern appraisal work. New Jersey requires it of every trainee permit applicant, and you must complete it within 60 months before filing your application. Its 15 hours count toward the 75 hours of qualifying education a trainee needs, alongside Basic Appraisal Principles and Basic Appraisal Procedures.
Sources: New Jersey State Real Estate Appraiser Board — Real Property Appraiser Qualification Criteria; NJ REAB: trainee appraiser permit application packet and checklist.
The 15-hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice, the standards that govern appraiser conduct and reporting. Every New Mexico trainee applicant must complete it as part of the 83 hours of qualifying education. When you later apply for a licensed or certified credential, the board accepts qualifying education certificates dated within the last 10 years. Passing the course's end-of-course exam is required for credit.
Sources: 16.62.2 NMAC: Application for Trainee and Requirements for Supervisors (New Mexico Real Estate Appraisers Board); NM REAB: Trainee Appraiser Application User Guide (July 2026); 16.62.8 NMAC: Educational Programs and Continuing Education (New Mexico Real Estate Appraisers Board).
The 15-Hour National USPAP Course is the qualifying education course on appraisal ethics and standards. Every New York appraiser category, from Appraiser Assistant through Certified General, includes the course in its qualifying education requirements. It must be taught by an Appraiser Qualifications Board (AQB) Certified USPAP Instructor who is a certified residential or certified general appraiser.
Sources: NY DOS: State Certified and Licensed Real Estate Appraisers License Law (Executive Law Art. 6-E and 19 NYCRR Parts 1101-1107, January 2026 compilation).
The 15-Hour National USPAP course is part of the 83 hours of core qualifying education required to register as a trainee appraiser in North Carolina. USPAP, the Uniform Standards of Professional Appraisal Practice, sets the standards appraisal work must follow. Every trainee applicant must complete the course from a Board-approved sponsor, in a classroom or online, within the 5 years before the application date.
Sources: North Carolina Appraisal Board — Registered Trainee requirements / trainee application; NCAB: becoming an appraiser (trainee, licensed residential, certified residential, certified general).
The 15-hour USPAP course is the entry-level course on the Uniform Standards of Professional Appraisal Practice required to register as an Ohio appraiser assistant. It must be taught by at least one instructor who is Appraiser Qualifications Board (AQB)-certified in USPAP and a state certified appraiser in good standing, and it ends with a closed-book, proctored final exam. Ohio counts it among the 83 specified hours of qualifying education for assistant applications received on or after January 1, 2026, and it must have been completed within 5 years before you apply.
Sources: Ohio REPL: qualifying education requirements; Ohio REPL: experience and college education requirements.
The 15-Hour National USPAP course teaches the Uniform Standards of Professional Appraisal Practice (USPAP), the professional standards appraisers must follow for covered transactions. In Oklahoma it is required qualifying education for the Trainee Appraiser credential, part of the 83 hours of qualifying education under the 2026 criteria, alongside Basic Appraisal Principles, Basic Appraisal Procedures, and 8 hours of Valuation Bias and Fair Housing training.
Sources: Oklahoma REAB: resident licensing (trainee, licensed, certified; CE); 59 O.S. § 858-700 et seq.: Oklahoma Certified Real Estate Appraisers Act (OID copy, eff. Nov 1, 2019); Oklahoma Real Estate Appraiser Board (REAB): home page.
The 15-hour National USPAP course teaches the Uniform Standards of Professional Appraisal Practice (USPAP), the standards Oregon appraisers must follow. It is required qualifying education for anyone registering as an Appraiser Assistant, alongside the 30-hour Basic Appraisal Principles and 30-hour Basic Appraisal Procedures courses. Assistant applicants must complete it and pass its final exam within the 2 years before applying.
Sources: Oregon ACLB: How to Become An Appraiser (official step-by-step page); Oregon ACLB: home page (renewal/CE notices).
The 15-hour National Uniform Standards of Professional Appraisal Practice (USPAP) course covers the appraisal standards that trainees and appraisers must follow, and it must be taught by an Appraisal Qualifications Board (AQB) Certified instructor to count in Pennsylvania. It is part of the 87 classroom hours required for a trainee license and also counts toward the 300 hours of education for the Certified General credential. Trainee applicants must complete it within the 5-year period before applying.
Sources: Pennsylvania: Licensed Appraiser Trainee Licensure Requirements Snapshot (PA Board); 49 Pa. Code § 36.54: Duties of supervisory appraiser.
The 15-Hour National USPAP Course is the qualifying-education course on the Uniform Standards of Professional Appraisal Practice (USPAP), required for initial appraiser licensure. In Rhode Island it counts within the 83 hours of trainee qualifying education, alongside the basic appraisal principles and procedures courses. You must pass the course's written examination, and Rhode Island requires a proctored exam for all distance-education course offerings.
Sources: The Appraisal Foundation: National USPAP courses (15-Hour, 2026–2027 7-Hour Update); AQB 2026 Criteria summary chart (education, experience, scope by credential, effective January 1, 2026), hosted by Oklahoma REAB.
The 15-hour National Uniform Standards of Professional Appraisal Practice (USPAP) course is part of the qualifying education for South Carolina's apprentice appraiser credential. Effective January 1, 2026, it counts toward the 83 hours of Appraiser Qualifications Board (AQB) Core Curriculum that every apprentice applicant must complete, alongside Basic Appraisal Principles, Basic Appraisal Procedures, and Valuation Bias and Fair Housing Laws and Regulations. Any candidate for the trainee-level credential must finish it before applying to the board.
Sources: S.C. Code of Regulations, Chapter 137: Department of Labor, Licensing and Regulation — South Carolina Real Estate Appraisers Board; SC Department of Labor, Licensing and Regulation – Real Estate Appraisers Board (llr.sc.gov), consistent with S.C. Code of Regulations Chapter 137 §137-100.02(B)(1).
The 15-hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice, the ethical and performance standards for the appraisal profession, and ends with a closed-book examination. Anyone seeking to become a real property appraiser in the United States must complete it. In South Dakota it counts within the 83 hours of qualifying education required for the State-Registered Trainee credential, and it is included in the education requirement at every credential level.
Sources: SD DLR — Appraiser Requirements (Classifications and Requirements of Appraisers); AQB 2026 Criteria summary chart (effective January 1, 2026), hosted by Oklahoma REAB.
The 15-hour National USPAP Course is the qualifying-education course on the Uniform Standards of Professional Appraisal Practice, the standards that appraisers must follow. Anyone seeking a Tennessee Registered Trainee credential must complete it as part of the required 87 hours of qualifying education, and it also appears on the course lists for the Licensed and Certified Residential credentials. It cannot substitute for the 7-hour USPAP Update required for continuing education.
Sources: TREAC: Registered Trainee (how to get a license); TREAC: Renewal, Reinstatement & Other Resources.
The 15-Hour National USPAP Course teaches the Uniform Standards of Professional Appraisal Practice, the ethical and performance standards for the appraisal profession in the United States. Anyone becoming a real property appraiser must complete the course or its equivalent. In Texas it counts within the 83 hours of trainee qualifying education, and all qualifying education must be completed within the five years before you apply.
Sources: TALCB: Qualifying Education Requirements.
The 15-Hour National USPAP Course teaches the Uniform Standards of Professional Appraisal Practice, the ethical and performance standards for the appraisal profession. Anyone becoming a real property appraiser in the United States must complete it or an equivalent, and it counts toward the 83 hours of trainee qualifying education under the criteria effective January 1, 2026.
Sources: Appraiser Qualifications Board (AQB) Real Property Appraiser Qualification Criteria, Effective January 1, 2026 (as published by The Appraisal Foundation / Oklahoma Insurance Department).
The 15-Hour National USPAP Course is a required course within Virginia's 83 hours of appraiser trainee pre-license education, alongside 8 hours of Valuation Bias and Fair Housing, 30 hours of Basic Appraisal Principles, and 30 hours of Basic Appraisal Procedures. USPAP stands for the Uniform Standards of Professional Appraisal Practice, the appraisal standards Virginia licensees must follow. Every trainee applicant must complete the course within the five years before applying.
Sources: Virginia REAB: Appraiser Trainee License Application (A461-4004TRLIC).
The 15-hour National USPAP (Uniform Standards of Professional Appraisal Practice) course is a qualifying-education requirement for Washington appraiser candidates, taken as part of the trainee-level course sequence alongside basic appraisal principles, basic appraisal procedures, the valuation bias and fair housing course, and the supervisory/trainee course. USPAP itself is the standards of practice published by the Appraisal Standards Board of The Appraisal Foundation, and all Washington licensed or certified appraisers must follow it.
Sources: Washington DOL: approved appraiser courses.
The 15-Hour National USPAP Course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the generally accepted standards of professional appraisal practice. In West Virginia it counts within the 75 hours of qualifying education for the appraiser apprentice permit, alongside Basic Appraisal Principles (30 hours) and Basic Appraisal Procedures (30 hours). Each credential also includes it: Licensed Residential requires 158 hours of qualifying education, Certified Residential 200, and Certified General 300.
Sources: W. Va. C.S.R. 190-2: requirements for licensure and certification (board copy, eff. May 20 2025); WV Appraiser Board: education (qualifying and continuing education requirements); AQB 2026 Real Property Appraiser Qualification Criteria summary chart (education, experience, scope by credential), hosted by Oklahoma REAB.
The 15-hour National USPAP course covers the Uniform Standards of Professional Appraisal Practice (USPAP), the standards that govern appraisal work. Wisconsin requires it as part of the 150 hours of qualifying education for the Licensed Appraiser credential, and the Appraiser Qualifications Board (AQB) includes it in its recommended course sequence for aspiring appraisers.
Sources: Wisconsin REALTORS Association — Wisconsin Appraiser Career and Licensing; Wisconsin DSPS: Appraiser, Licensed — Licensure by Examination.
The 15-hour national USPAP course is part of Wyoming's qualifying education for both Certified Residential and Certified General appraiser applicants, and it must cover the most recent edition of the Uniform Standards of Professional Appraisal Practice (USPAP). Applicants complete it alongside their other required coursework. The Certified Residential to Certified General conversion path requires the 7-hour USPAP Update Course instead.
Sources: Wyoming CAB: obtain a certified appraiser permit.