OP - VERY simplified answer here.
If it's HPML, you have to escrow - don't violate this one.
If you dot all i's, and document QM, you won't have to do the HPML appraisal.
The HPML appraisal is performed by a certified appraiser and includes an interior inspection, MUST be delivered to applicant 3 days before closing.
This is the very quick and dirty, there are some exceptions for mobile homes, etc. If you can explain better what you mean by "don't fully comply" we can give you a better answer.
_________________________
NOLA is my Beach!