If you thought the home-buying process already was a daunting tangle ofpaperwork, new federal rules for appraisals make it even scarier.

As of Friday, the U.S. Department of Housing and Urban Developmentrequires appraisers to provide dramatically more extensive informationabout the condition of homes in Federal Housing Administrationmortgages � so much more, in fact, that appraisers say the new rulesforce them to become home inspectors, judging a home’s elements in waysthey aren’t qualified to do.