Comp One Blog - Your Local Expert!

Got a few hours to kill?  Then you too can take a gander at this handy dandy UAD Appraisal Inspection checklist.  

UAD Appraisal Inspection Checklist

In fairness, much of this the appraiser was already doing, and some sections don't apply to a given property.  

If you are an agent it will pay to be familiar with this stuff as the appraiser will be compelled to consider and report it.    

Questions about how to better serve your client in light of the coming UAD 3.6 transition?  I'm always happy to talk.  Call anytime at 404-245-7577

Cameron Horne, GACR253993
Comp One Appraisal Services, Inc.

We'll all continue to do our best, but if you are an agent or loan officer, or if you are getting a mortgage loan in the coming month, be prepared because the reality is Nobody is Ready for UAD 3.6.  

The link is to an article relating the view on the ground at Valuation Expo, an annual gathering of appraisers and industry professionals in recent days.  

I'm one of few appraisers to have completed a 3.6 report (not bragging, wait, yes I am), and to quote one of my favorite songs-It weren't no candy parade.

I suppose there's a case to be made that appraisal reports needed overhauling in today's day and age — or that it was inevitable — and I'll continue with my glass-half-full attitude, but it's not great if this is where we are as an industry.

Questions about how to better serve your client in light of the coming UAD 3.6 transition?  I'm always happy to talk.  Call anytime at 404-245-7577

Cameron Horne, GACR253993
Comp One Appraisal Services, Inc.

If you're a Realtor®, you probably don't spend much time thinking about appraisal forms. That's about to change.

Fannie Mae and Freddie Mac are rolling out completely redesigned appraisal forms that require roughly **three times the data** as the old ones. The traditional URAR had around 180–220 fields. The new forms? Somewhere between 500 and 800+.

More fields on our form means we need more information. And a lot of that information starts with you.

What We Need Now More Than Ever

The new forms ask for specific, structured data about interior finishes, condition ratings, site characteristics, energy efficient features, accessory structures, concessions, and transfer history. When that information isn't in the listing, we have to dig for it — and sometimes we can't find it at all. That rarely helps your deal.

Six Ways Realtors® Can Help

**1. Be Specific in Your Listings**

"Updated kitchen and baths" doesn't cut it anymore. Tell us *what* was done and *when*. Quartz countertops, LVP flooring, ceramic tile surround — that kind of detail isn't just marketing. It's data we need.

**2. Use the Agent Remarks Field**

Note the year of major updates, seller concessions, known repairs, features that aren't obvious from photos, and what conveys with the sale.

**3. Fill Out Every MLS Field**

Every blank field in the MLS is a blank field on our form that we now have to research independently. Lot size, basement finish percentage, garage dimensions, HOA fees, zoning — if the MLS has a field for it, fill it in.

**4. Call Us Back**

When an appraiser reaches out to verify information, a five-minute call can prevent conditions that hold up closing.

**5. Share the Upgrade History**

A simple update sheet — year of renovation, scope of work, approximate cost, permits — goes a long way. Hand it to the buyer's agent and make sure the appraiser gets a copy.

**6. Remember — Your Closings Become Future Comps**

If your closed listing has incomplete MLS data — wrong square footage, missing concessions, no mention of a major renovation — that sale becomes a weaker comp for every future appraisal in the neighborhood. Accurate data isn't just good practice. It supports property values across your entire market.

The Bottom Line

We're on the same team. You know the market. We know how to translate it into a credible opinion of value that supports the deal. The new forms are going to require more from both of us — but if we're sharing better information from the start, the process doesn't have to be harder.

It can actually be better.

---

Questions about the new UAD forms or how to better prepare your listings? I'm always happy to talk.

Cameron Horne, GACR253993
Comp One Appraisal Services, Inc.