10/01/2026
REAL ESTATE AGENTS: APPRAISALS ARE CHANGING: HERE’S WHAT YOU NEED TO KNOW!
The appraisal process is getting a major update with UAD 3.6, effective November 1st, you’re going to start seeing appraisal reports that look very different from what you’re used to. Here are some of the biggest changes in plain English:
1. The old appraisal forms are changing.
Instead of relying on the familiar individual forms like the 1004, the new system uses a more standardized and dynamic reporting format.
2. Property details are getting MUCH more specific. Appraisers will capture more detailed information about the home, including its condition, features, improvements, and characteristics.
3. Less vague “good/average/fair” terminology. The new format is designed to provide more structured information about what the appraiser actually observed.
4. Comparable sales will have more detailed data. That should make it easier to understand why certain properties were selected as comps and how adjustments were supported.
5. Listing accuracy becomes even more important. Incorrect square footage, room counts, improvements, or property features can create confusion when the appraisal data doesn’t match the listing.
What does this mean for Real Estate Agents? Know the property you’re listing. Document improvements. Keep your MLS information accurate. And when possible, have relevant property information and supporting documentation ready for the appraiser. The goal isn’t to make appraisals more complicated it’s to create more consistent, detailed property data.
👉 Agents, save this post. These changes are going to affect the way appraisal reports look and the information lenders receive.
Have questions about how the new appraisal process could affect your transactions? DM me “APPRAISAL” and let’s talk.
