1. Short title This Act may be cited as the COVID-19 Safe Home Appraisal Act of 2020 . 2. Congressional findings The Congress finds that as the United States continues to grapple with the impact of the spread of Coronavirus Disease 2019 (COVID–19), several adjustments are needed to ensure that mortgage processing can continue to function without significant delays, despite requirements that would otherwise require in-person interactions. 3. Waiver of in-person appraisal requirements (a) Waiver During the period that begins upon the date of the enactment of this Act and ends on the date of the termination by the Federal Emergency Management Agency of the emergency declared on March 13, 2020, by the President under the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq.) relating to the Coronavirus Disease 2019 (COVID–19) pandemic, any appraisal that is conducted for a loan for a single-family residential property with respect to which applicable law or policy would otherwise require the performance of an interior inspection may be performed without an interior inspection, if— (1) an exterior-only inspection appraisal is performed in conjunction with other methods, including borrower (or prospective borrower) observations or verifiable contemporaneous video or photographic documentation by the borrower (or prospective borrower), to the extent they are available; (2) the applicable lender, guarantor, regulating agency, or insurer may order additional services to include an interior inspection at a later date