WASHINGTON — Federal regulators have signed off on stricter appraisal requirements for higher-cost mortgages, but have also expanded the types of loans that will be exempt from the new standards.

The final rule released Tuesday generally requires appraisals for non-jumbo loans with rates at least 1.5 percentage points higher than prime rates. The trigger for jumbo loans is 2.5 points, and 3.5 points for junior liens. The written appraisal must include a physical inspection of a home's interior and a second appraisal is required if the seller had just purchased the home 180 days earlier.

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