Is it acceptable for an appraiser to accept an assignment if the fee is only paid after the loan closes?

Accepting an assignment where the fee is paid only after the loan closes can be permissible, provided it is properly disclosed. This aligns with USPAP guidelines, which emphasize the importance of transparency and ethical behavior in appraisals.

When an appraiser chooses to accept such an assignment, it is critical to disclose this payment arrangement to all relevant parties involved. This step ensures that there is no perceived conflict of interest or compromise of objectivity in the appraisal process. This disclosure allows for maintaining the integrity of the appraisal, assuring clients that the appraiser's independence is preserved despite the timing of the fee payment. Additionally, it reflects compliance with USPAP's ethical obligations, which require appraisers to remain impartial and avoid situations that could undermine their credibility.

Thus, the scenario described in the question is acceptable under the condition that all parties are aware of and agree to the payment structure. This approach fosters trust and adherence to professional standards.