[{"data":1,"prerenderedAt":878},["ShallowReactive",2],{"blog-index":3},[4,44,86,135,172,206,246,286,318,355,392,426,456,490,524,551,583,613,647,684,717,750,784,815,844],{"slug":5,"title":6,"seoTitle":7,"description":8,"date":9,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":13,"tags":22,"related":25,"faq":29,"words":42,"minutes":43},"day-in-the-life-residential-appraiser-2026","A Day in the Life of a Residential Appraiser in 2026","A Day in the Life of a Residential Appraiser | Carat","A day in the life of a residential appraiser in 2026, hour by hour: inspections, measuring, comps, AMC portals, revision requests and the UAD 3.6 switch.","2026-10-23","2026-10-25","appraiser-life",false,[14,15,16,17,18,19,20,21],"day in the life of an appraiser","residential appraiser job","what does an appraiser do","appraiser daily routine","real estate appraiser work hours","is being an appraiser hard","appraisal inspection process","appraiser career",[23,24],"Appraiser Life","Career",[26,27,28],"appraiser-burnout-fees-turn-times-revisions","amc-revision-request-survival-guide","appraising-then-and-now",[30,33,36,39],{"q":31,"a":32},"What does a residential appraiser do all day?","A typical day mixes scheduling, driving, property inspections and measuring, researching and verifying comparable sales, analysis and writing, and answering client questions and revision requests. Most of the hours are spent at a desk, not at the property.",{"q":34,"a":35},"How long does a home appraisal inspection take?","For a typical single-family home, the on-site inspection often takes under an hour to a little over an hour, depending on size, complexity and access. The research and report take considerably longer than the visit.",{"q":37,"a":38},"Do appraisers work long hours?","Many do. The Bureau of Labor Statistics notes that most appraisers work full time and some work more than 40 hours a week, and that self-employed fee appraisers may be especially likely to work longer hours.",{"q":40,"a":41},"Is being an appraiser a good career in 2026?","It can be for people who like independent work, houses and analysis. The challenges are fee pressure, AMC revision requests and a difficult path to licensing. Firms that train well and run efficient workflows tend to do best.",1722,7,{"slug":45,"title":46,"seoTitle":47,"description":48,"date":9,"updated":10,"category":49,"pillar":12,"howto":12,"keywords":50,"tags":59,"related":64,"faq":68,"words":84,"minutes":85},"desktop-vs-cloud-appraisal-software","Desktop vs. Cloud Appraisal Software: Workfiles, Security and USPAP Record Keeping","Desktop vs. Cloud Appraisal Software | Carat","Desktop vs. cloud appraisal software: how each handles workfiles, backups, security and the USPAP Record Keeping Rule, and how to stay compliant.","switching",[51,52,53,54,55,56,57,58],"desktop vs cloud appraisal software","cloud appraisal software","web based appraisal software","appraisal workfile retention","uspap record keeping rule","appraisal software security","appraisal workfile backup","online appraisal software",[60,61,62,63],"Switching","USPAP","Workfiles","Security",[65,66,67],"switch-appraisal-software-without-losing-comps","leaving-aci-total-desktop-appraisal-software","best-appraisal-software-uad-3-6-2026",[69,72,75,78,81],{"q":70,"a":71},"Is cloud appraisal software compliant with USPAP?","USPAP doesn't approve software. It requires the appraiser to keep the workfile for the required period and to keep custody of it or have appropriate arrangements for retention, access and retrieval. Desktop or cloud, compliance depends on how you set it up.",{"q":73,"a":74},"How long do appraisers have to keep workfiles?","USPAP's Record Keeping Rule requires at least five years after preparation, or at least two years after final disposition of a judicial proceeding in which the appraiser testified, whichever is later. States can add their own requirements.",{"q":76,"a":77},"What happens to my reports if I cancel cloud appraisal software?","It depends on the vendor's terms. Before you sign up, ask whether you can export every report as XML and PDF at any time, including after cancelling, and keep your own copy regardless.",{"q":79,"a":80},"Is desktop appraisal software more secure than cloud?","Neither is automatically more secure. Desktop data is only as safe as the computer, its encryption and its backups. Cloud data depends on the vendor's security and your account practices, such as strong passwords and two-factor sign-in.",{"q":82,"a":83},"Can I store appraisal workfiles in Google Drive or Dropbox?","Many appraisers keep backups in a cloud storage account they own. USPAP doesn't name storage products. Make sure the files stay retrievable for the full retention period and that you protect confidential client information.",1376,6,{"slug":87,"title":88,"seoTitle":89,"description":90,"date":91,"updated":10,"category":92,"pillar":93,"howto":12,"keywords":94,"tags":105,"related":110,"faq":114,"words":133,"minutes":134},"uad-3-6-complete-guide","UAD 3.6: The Complete Guide for Residential Appraisers (2026)","UAD 3.6 Guide for Appraisers (2026) | Carat","UAD 3.6 explained for working appraisers: the redesigned URAR, MISMO 3.6 XML, the 728 compliance rules, the November 2, 2026 mandate and how to get ready.","2026-10-20","uad-3-6",true,[95,96,97,98,99,100,101,102,103,104],"uad 3.6","uad 3.6 appraisal","uniform appraisal dataset 3.6","redesigned urar","uad 3.6 mandate","uad 3.6 for appraisers","uad 3.6 changes","new urar form","uad 3.6 compliance rules","mismo 3.6",[106,107,108,109],"UAD 3.6","URAR","MISMO 3.6","Compliance",[111,112,113],"uad-3-6-deadline-timeline","uad-3-6-replaces-1004-1073-1025-2055","uad-3-6-readiness-checklist",[115,118,121,124,127,130],{"q":116,"a":117},"When is UAD 3.6 mandatory?","UAD 3.6 is mandatory for new appraisal reports submitted to UCDP on or after November 2, 2026. The date is based on the initial UCDP submission date, not the loan application date or the effective date of the appraisal.",{"q":119,"a":120},"What is UAD 3.6?","UAD 3.6 is the redesigned Uniform Appraisal Dataset from Fannie Mae and Freddie Mac. It replaces the separate appraisal forms with one dynamic report, the redesigned URAR, delivered as MISMO 3.6 XML with a matching PDF and image files in a single zip.",{"q":122,"a":123},"Does UAD 3.6 change how I value a house?","No. The appraisal process, USPAP and your analysis stay the same. UAD 3.6 changes how the data is collected, structured and reported, and it asks for more of your reasoning in structured fields and commentary.",{"q":125,"a":126},"Can I still use the Form 1004 after November 2, 2026?","Only in limited cases. Sellers that obtained a one-time GSE policy exception may submit new UAD 2.6 reports through May 19, 2027, and resubmissions of UAD 2.6 reports are accepted through June 27, 2027. UAD 2.6 is retired on June 28, 2027.",{"q":128,"a":129},"Do appraisers submit UAD 3.6 reports to UCDP?","Usually not. The appraiser delivers the zip package to the client, and the lender or its AMC submits it to UCDP. FHA loans go to the FHA EAD portal.",{"q":131,"a":132},"Is there an approval appraisers need for UAD 3.6?","No. There is no appraiser certification for UAD 3.6. Software vendors can go through GSE verification, which is a vendor listing that lenders check, not an approval for the appraiser.",3159,14,{"slug":26,"title":136,"seoTitle":137,"description":138,"date":91,"updated":10,"category":11,"pillar":93,"howto":12,"keywords":139,"tags":149,"related":152,"faq":154,"words":170,"minutes":171},"Why Appraisers Are Burned Out: Fees, Turn Times and Endless Revisions","Why Appraisers Are Burned Out: Fees & Revisions | Carat","Appraiser burnout is real: flat fees, tight turn times, AMC revisions and the UAD 3.6 switch. Why it happens and what helps, appraiser to appraiser.",[140,141,142,143,144,145,146,147,148],"appraiser burnout","appraisal fees","appraisal turn times","amc revision requests","why appraisers quit","appraiser stress","appraisal management company fees","appraiser shortage","residential appraiser frustrations",[23,150,151,106],"AMCs","Fees",[27,28,153],"appraisal-firm-business-math-2026",[155,158,161,164,167],{"q":156,"a":157},"Why are appraisers so burned out?","Most appraisers point to the same mix: fees that have not kept up with costs, compressed turn times, a steady stream of AMC revision requests, technology and portal fees, and more scrutiny of every report. In the National Association of Realtors 2025 appraisal survey, fee pressure was the top challenge appraisers named.",{"q":159,"a":160},"How much do residential appraisers make?","The Bureau of Labor Statistics reported a median of $67,960 a year in May 2025 for appraisers and assessors of real estate, a group that includes government assessors. Fee appraisers' income varies widely with fees, volume, market and expenses.",{"q":162,"a":163},"Why do AMCs send so many revision requests?","AMC reviewers work from lender overlays, automated risk scores and checklists, and many requests are generated to clear a flag rather than because the value is wrong. Some are legitimate catches. The rest can often be prevented by answering the predictable questions inside the report before delivery.",{"q":165,"a":166},"Is the appraiser shortage real?","The number of appraiser credentials on the Appraisal Subcommittee's National Registry has fallen for years, to 89,618 at the end of 2025, and the count of individual appraisers is lower because many hold licenses in several states. Shortages are felt most in rural areas and during volume spikes.",{"q":168,"a":169},"Will UAD 3.6 make appraising harder?","UAD 3.6 asks for more structured data and brings hundreds of compliance rules, so the first months involve a learning curve. It also replaces several separate forms with one report, and software that checks the rules as you work can cut the number of rejected submissions and avoidable revisions.",3079,13,{"slug":173,"title":174,"seoTitle":175,"description":176,"date":91,"updated":10,"category":49,"pillar":12,"howto":12,"keywords":177,"tags":185,"related":188,"faq":189,"words":205,"minutes":85},"appraisal-software-pricing-2026","Appraisal Software Pricing in 2026: What Tiered Plans Really Cost","Appraisal Software Pricing 2026: True Cost | Carat","Appraisal software pricing in 2026, explained: how tiered plans, add-ons and per-report fees add up, plus a worksheet to find your real cost per report.",[178,179,180,181,182,183,184],"appraisal software pricing","appraisal software cost","how much does appraisal software cost","appraisal software subscription","appraisal software per report fee","cheap appraisal software","appraisal software 2026",[60,186,187],"Pricing","Business",[65,67,153],[190,193,196,199,202],{"q":191,"a":192},"How much does appraisal software cost per year?","Tiered desktop appraisal software often runs $1,500 to $3,500 a year once the add-ons a working appraiser uses are included. Your real number depends on the plan, add-ons, seats and any per-report fees.",{"q":194,"a":195},"What add-ons do appraisers usually pay extra for?","Common line items to ask about include sketching, mobile inspection apps, mapping, comps or data tools, compliance or review checks, extra user seats and delivery fees. Ask each vendor which of these are included in the plan you're quoted.",{"q":197,"a":198},"Is a per-report fee or a flat subscription cheaper?","It depends on volume. Per-report pricing can suit very low volume, while a flat subscription usually wins as volume rises. Work out your cost per report at your real monthly volume, including slow months.",{"q":200,"a":201},"Does UAD 3.6 change what appraisal software costs?","UAD 3.6 doesn't set software prices, but it is a natural point to re-check what you pay, since every program is delivering a new report format and many appraisers are comparing options.",{"q":203,"a":204},"How much does Carat cost?","Carat is $99 a month per appraiser with unlimited reports, no tiers and no per-report fees. It is month to month, you can cancel any time, and you can export your data any time.",1413,{"slug":207,"title":208,"seoTitle":209,"description":210,"date":91,"updated":10,"category":211,"pillar":12,"howto":12,"keywords":212,"tags":221,"related":226,"faq":229,"words":245,"minutes":43},"data-driven-adjustments-from-past-reports","Your Past Reports Are a Data Set: Data-Driven Adjustments from Your Own Work","Data-Driven Appraisal Adjustments | Carat","Data-driven appraisal adjustments from your own work: paired sales, grouped data, regression, your own medians, and how a firm archive becomes support.","ai",[213,214,215,216,217,218,219,220],"appraisal adjustments","data-driven adjustments","paired sales analysis","grouped data analysis appraisal","regression appraisal adjustments","support appraisal adjustments","gla adjustment per square foot","machine learning appraisal",[222,223,224,225],"Adjustments","AI","Paired Sales","Workfile",[227,65,228],"ai-appraisal-software-2026","ai-catches-amc-revision-requests",[230,233,236,239,242],{"q":231,"a":232},"How do appraisers support adjustments?","With market evidence: paired sales, grouped data analysis, regression, cost and depreciation analysis, and other commonly accepted methods. Fannie Mae's Selling Guide says adjustments must reflect the market's reaction and that a statement only recognizing an adjustment was made is not acceptable.",{"q":234,"a":235},"What is paired sales analysis?","Paired sales analysis compares two sales that are alike except for one feature, so the difference in price (after accounting for time and other differences) indicates what the market paid for that feature.",{"q":237,"a":238},"Can I use my own past appraisals to support adjustments?","Your past reports hold verified sales and the adjustments you developed, which makes them a useful data set for checking consistency and finding pairs. The support in a new report still has to reflect the current market, so treat your history as evidence to test, not a rate to copy.",{"q":240,"a":241},"Does Fannie Mae limit net and gross adjustments?","No. Fannie Mae's Selling Guide says it does not have specific limitations or guidelines associated with net or gross adjustments. Adjustments should reflect the market's reaction to differences.",{"q":243,"a":244},"Is regression better than paired sales?","Neither is better in every case. Regression uses many sales and handles several variables at once, but needs enough clean data. Paired sales are easy to explain but hard to find in thin markets. Many appraisers use both and reconcile.",1683,{"slug":247,"title":248,"seoTitle":249,"description":250,"date":251,"updated":10,"category":92,"pillar":12,"howto":12,"keywords":252,"tags":262,"related":266,"faq":269,"words":285,"minutes":43},"ansi-z765-gla-uad-3-6","ANSI Z765 and GLA Under UAD 3.6: Measuring, Sketching and Below-Grade Space","ANSI Z765 and GLA Under UAD 3.6 | Carat","How ANSI Z765 and GLA work under UAD 3.6: ceiling heights, below-grade rules, nonstandard finished area, the measurement standard field and your sketch.","2026-10-16",[253,254,255,256,257,258,259,260,261],"ansi z765 uad 3.6","ansi z765","gla uad 3.6","ansi square footage appraisal","nonstandard finished area","below grade finished area","appraisal sketch uad 3.6","ansi z765-2021 appraisers","gross living area ansi",[263,264,265,106],"ANSI Z765","GLA","Sketch",[87,267,268],"redesigned-urar-vs-form-1004","uad-3-6-compliance-rules-fatal-warning",[270,273,276,279,282],{"q":271,"a":272},"Is ANSI Z765 required under UAD 3.6?","Fannie Mae has required ANSI Z765-2021 for measuring and reporting square footage on most single-unit appraisals with interior and exterior inspections since April 1, 2022. UAD 3.6 adds a Measurement Standard field to the report where you state whether you used ANSI, AMS or another standard.",{"q":274,"a":275},"What is nonstandard finished area in UAD 3.6?","Finished area with direct interior access that doesn't meet the ANSI ceiling height requirements, or that is reached only through unfinished space such as an unfinished hallway, room or staircase. It is reported separately above and below grade, with the reason in Unit Interior commentary.",{"q":277,"a":278},"Is a walkout basement above grade under ANSI?","No. Under ANSI, any level that is partially below grade is counted as below grade, including a walkout. The UAD 3.6 reference guide says partially below grade area is reported in the below grade finished area fields when ANSI is the applicable standard.",{"q":280,"a":281},"Does ANSI Z765 apply to condos and 2–4 unit properties?","Fannie Mae's guidance says ANSI is not used for apartment-style condos or co-ops, and it does not apply to 2–4 unit dwellings. Townhouse-style and other attached houses follow ANSI. In UAD 3.6, choose Other and enter Not Applicable due to property type when ANSI doesn't apply.",{"q":283,"a":284},"What ceiling height counts as GLA under ANSI?","Finished area generally needs a ceiling height of at least 7 feet. In a room with a sloped ceiling, at least half the finished area must be 7 feet or higher, and no portion under 5 feet is counted.",1654,{"slug":67,"title":287,"seoTitle":288,"description":289,"date":251,"updated":10,"category":49,"pillar":12,"howto":12,"keywords":290,"tags":298,"related":300,"faq":301,"words":317,"minutes":43},"Best Appraisal Software for UAD 3.6 in 2026: An Honest Buyer's Guide","Best Appraisal Software for UAD 3.6 (2026) | Carat","Choosing the best appraisal software for UAD 3.6 in 2026? Use these criteria and a printable checklist to compare any program on output, data and cost.",[291,292,293,184,294,295,296,297],"best appraisal software","best appraisal software uad 3.6","uad 3.6 appraisal software","appraisal software comparison","residential appraisal software","appraisal report software","choose appraisal software",[60,106,299],"Buyer's Guide",[65,173,45],[302,305,308,311,314],{"q":303,"a":304},"What is the best appraisal software for UAD 3.6?","The best program is the one that produces valid MISMO 3.6 XML and a URAR PDF for the property types you appraise, checks your report against the GSE rules before delivery, imports your past work, lets you export your data any time, and fits your budget. Test it on your own assignments.",{"q":306,"a":307},"Is there a list of UAD 3.6 approved appraisal software?","Fannie Mae publishes an Integrated Vendor List that tags UAD 3.6 software providers, and Freddie Mac publishes a software providers list. These show vendor verification of the technology, not an approval of any appraiser or report.",{"q":309,"a":310},"Does my appraisal software submit reports to UCDP?","Lenders and AMCs submit to UCDP, and FHA reports go to EAD. Appraisal software produces the delivery package. The appraiser delivers it to the client, who submits it.",{"q":312,"a":313},"Can I try appraisal software on a real assignment before I commit?","Ask each vendor about trials or month-to-month terms. Re-enter a recent report you already delivered, so you can compare the output against something you know is right without client risk.",{"q":315,"a":316},"Should I switch appraisal software right before the UAD 3.6 mandate?","It can work if you export your archive first, practice on a few reports, and keep your old program for UAD 2.6 revisions. If you can't do that before November 2, stay put and plan the switch for a slower month.",1594,{"slug":227,"title":319,"seoTitle":320,"description":321,"date":322,"updated":10,"category":211,"pillar":93,"howto":12,"keywords":323,"tags":332,"related":335,"faq":337,"words":353,"minutes":354},"AI Appraisal Software in 2026: What It Does, and What It Shouldn't","AI Appraisal Software in 2026: An Honest Guide | Carat","AI appraisal software in 2026, explained for working appraisers: what automation should handle, where AVMs fit, and why your judgment and signature stay.","2026-10-14",[324,325,326,220,327,328,329,330,331],"ai appraisal software","ai for appraisers","appraisal automation","automated valuation model","will ai replace appraisers","ai appraisal tools","appraisal software with ai","uad 3.6 ai",[223,333,106,334],"Automation","AVMs",[336,228,207],"will-ai-replace-appraisers",[338,341,344,347,350],{"q":339,"a":340},"What is AI appraisal software?","It is report software that uses automation and statistical models to handle clerical work for the appraiser: filling public-record data, checking the report against rules, and summarizing the appraiser's own past data. The appraiser still inspects, analyzes, concludes value and signs.",{"q":342,"a":343},"Can AI write my appraisal report?","It should not. USPAP holds the appraiser responsible for the analysis and the conclusions in the report. Software can fill facts and flag errors, but the narrative, the adjustments and the value opinion need to be yours.",{"q":345,"a":346},"Is an automated valuation model the same as an appraisal?","No. An AVM is a computer model that estimates value from data without an inspection or an appraiser's analysis. An appraisal is a credentialed appraiser's opinion of value developed under USPAP.",{"q":348,"a":349},"Does the 2024 AVM quality control rule apply to appraisers?","The interagency rule, effective October 1, 2025, applies to mortgage originators and secondary market issuers that use AVMs for credit decisions. The CFPB's compliance guide says it does not cover the development of an appraisal by a certified or licensed appraiser.",{"q":351,"a":352},"What should I look for in AI tools for appraisers?","Look for automation you can check: every auto-filled value shows its source, every warning links to the field, and nothing goes into the report without your review. Avoid tools that produce a value or commentary you cannot trace.",2684,12,{"slug":66,"title":356,"seoTitle":357,"description":358,"date":359,"updated":10,"category":49,"pillar":12,"howto":93,"keywords":360,"tags":369,"related":373,"faq":375,"words":391,"minutes":43},"Leaving ACI, TOTAL or Other Desktop Appraisal Software: The Export Playbook","Export Reports from ACI, TOTAL & Desktop Apps | Carat","Leaving ACI, TOTAL or other desktop appraisal software? This export playbook covers MISMO 2.6 XML, PDFs, workfiles, firms and UAD 2.6 revisions.","2026-10-13",[361,362,363,364,365,366,367,368],"leaving aci appraisal software","export reports from total appraisal software","desktop appraisal software export","aci alternative uad 3.6","a la mode total alternative","export mismo 2.6 xml","appraisal software data export","switch from desktop appraisal software",[60,370,371,372],"ACI","TOTAL","MISMO 2.6",[65,374,45],"migrate-from-clickforms-uad-3-6",[376,379,382,385,388],{"q":377,"a":378},"Can ACI and TOTAL export reports as MISMO 2.6 XML?","Most desktop appraisal programs, including ACI and TOTAL, can export MISMO 2.6 GSE XML, since that was the delivery format for UAD 2.6. The exact steps depend on your version, so check the export options or ask the vendor's support.",{"q":380,"a":381},"What is the best format to export old appraisal reports in?","Export both MISMO 2.6 GSE XML and PDF. The XML holds the data another program can read, such as comps and adjustments. The PDF is your record of what the client received.",{"q":383,"a":384},"Do I need to keep my old desktop software after switching?","Keep it until your exports are verified and any UAD 2.6 revisions are finished. Revisions to reports first submitted in UAD 2.6 stay in UAD 2.6, and UAD 2.6 is retired on June 28, 2027.",{"q":386,"a":387},"How do I move a whole firm off desktop appraisal software?","Inventory every workstation, export and back up each one, then move one appraiser first. Fix the setup problems they find before moving everyone else, and keep the old program available for revisions.",{"q":389,"a":390},"Will my comps database come with me?","The comps inside your finished reports can, through the MISMO 2.6 XML export. A separate comps database inside your old program may use its own format, so ask the vendor whether and how it can be exported.",1612,{"slug":153,"title":393,"seoTitle":394,"description":395,"date":359,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":396,"tags":405,"related":407,"faq":409,"words":425,"minutes":85},"The Business Math of an Appraisal Firm in 2026: Fees, Volume and Software Costs","Appraisal Business Math 2026: Fees & Costs | Carat","Appraisal firm business math for 2026: a labeled hypothetical showing fees, volume, expenses, effective hourly rate and appraisal software cost per report.",[397,398,399,400,401,402,403,404],"appraisal business math","appraiser income","appraisal fees 2026","appraisal software cost per report","how much do appraisers make","appraisal firm expenses","appraiser hourly rate","starting an appraisal business",[187,151,406,23],"Software",[26,173,408],"appraiser-shortage-trainee-bottleneck",[410,413,416,419,422],{"q":411,"a":412},"How much does a residential appraiser make?","The Bureau of Labor Statistics reported a median of $67,960 in May 2025 for appraisers and assessors of real estate, a category that includes government assessors. Fee appraisers' income depends on fees, volume, market and expenses, and varies widely.",{"q":414,"a":415},"How many appraisals can one appraiser do in a month?","It depends on property types, drive times, market and how much of the work is delegated. The only reliable number is your own: track hours per report for a month, including drive time and revisions.",{"q":417,"a":418},"What does appraisal software cost per report?","Divide your total annual software cost, including add-ons, by your annual report count. A $99 a month plan works out to about $3.30 per report at 30 reports a month. Tiered desktop plans that run $1,500 to $3,500 a year work out to about $4 to $10 per report at that volume, before add-ons.",{"q":420,"a":421},"What expenses does an appraisal business have?","Typical costs include vehicle and fuel, E&O insurance, licensing and continuing education, MLS and data subscriptions, software, phone and internet, equipment, office costs, health insurance and taxes. Some appraisers also pay platform or technology fees on orders.",{"q":423,"a":424},"Is it worth hiring an appraiser trainee?","It can be if the trainee lets you complete more reports a month than the cost of their pay and your review time. Run the numbers with your own fees and hours before deciding.",1461,{"slug":113,"title":427,"seoTitle":428,"description":429,"date":359,"updated":10,"category":92,"pillar":12,"howto":93,"keywords":430,"tags":439,"related":441,"faq":442,"words":455,"minutes":85},"UAD 3.6 Readiness Checklist: 20 Things to Do Before You Submit","UAD 3.6 Readiness Checklist: 20 Steps | Carat","A UAD 3.6 readiness checklist for appraisers: 20 practical steps covering clients, software, the zip package, compliance rules, sketches and your workfile.",[431,432,433,434,435,436,437,438],"uad 3.6 readiness checklist","uad 3.6 checklist","prepare for uad 3.6","uad 3.6 preparation appraisers","uad 3.6 transition","uad 3.6 ready","redesigned urar checklist","uad 3.6 training",[106,440,107],"Checklist",[87,268,65],[443,446,449,452],{"q":444,"a":445},"How do I prepare for UAD 3.6 as an appraiser?","Confirm each client's format and delivery method, make sure your software produces the full UAD 3.6 zip, read the URAR Reference Guide for your common property types, rework your comment library, and build at least one practice report before your first live order.",{"q":447,"a":448},"Do I need special training for UAD 3.6?","There is no required GSE training or credential for appraisers. The GSEs publish free resources, including the URAR Reference Guide and sample reports, and many education providers offer courses.",{"q":450,"a":451},"How long does it take to get ready for UAD 3.6?","If your software is already set up, a focused day is enough to build a practice report and map your comments. Expect your first live reports to take longer than a 1004 did.",{"q":453,"a":454},"What should I ask my AMCs about UAD 3.6?","Ask whether they will order UAD 3.6 on November 2, 2026 or are working under a lender's policy exception, whether their portal accepts the UAD 3.6 zip, and whether they have any added requirements beyond the GSE rules.",1486,{"slug":374,"title":457,"seoTitle":458,"description":459,"date":460,"updated":10,"category":49,"pillar":12,"howto":93,"keywords":461,"tags":469,"related":471,"faq":472,"words":488,"minutes":489},"Migrating from ClickFORMS: Bringing Your MISMO 2.6 Archive into UAD 3.6","Migrate from ClickFORMS to UAD 3.6 | Carat","Migrating from ClickFORMS for UAD 3.6? Export your reports as MISMO 2.6 XML, back up your workfiles and turn years of comps into a searchable history.","2026-10-09",[462,463,464,465,466,467,468],"migrate from clickforms","clickforms export","clickforms uad 3.6","clickforms alternative","clickforms mismo 2.6 xml","switch from clickforms","import clickforms reports",[60,470,372],"ClickFORMS",[65,66,207],[473,476,479,482,485],{"q":474,"a":475},"Can I export my ClickFORMS reports to another program?","In general, yes. Reports that were delivered to a GSE portal under UAD 2.6 were built to produce MISMO 2.6 XML, which is the most portable format. Look for an export to MISMO 2.6 or GSE XML in your version, or ask ClickFORMS support how to export in bulk.",{"q":477,"a":478},"Will my ClickFORMS reports open as UAD 3.6 reports?","No program should promise that. The redesigned URAR collects data the old forms never asked for. Your old reports carry forward as comps and adjustment history, and new assignments start as fresh UAD 3.6 reports.",{"q":480,"a":481},"Should I keep ClickFORMS installed after switching?","Keep it until your exports are verified and your last UAD 2.6 revisions are finished. Revisions to reports first submitted in UAD 2.6 stay in UAD 2.6, and UAD 2.6 is not retired until June 28, 2027.",{"q":483,"a":484},"Does Carat import ClickFORMS files?","Yes. Carat imports ClickFORMS reports or any MISMO 2.6 GSE XML export, in bulk, and builds a searchable comps history and median adjustment rates by town and price tier from them. Anything unclear goes to a review queue.",{"q":486,"a":487},"What should I copy out of ClickFORMS besides the reports?","Your comment boilerplate, firm and license details, E&O information, signature image and client list. These don't travel inside the report XML, so copy them out before you cancel anything.",1744,8,{"slug":268,"title":491,"seoTitle":492,"description":493,"date":494,"updated":10,"category":92,"pillar":12,"howto":12,"keywords":495,"tags":503,"related":505,"faq":507,"words":523,"minutes":43},"The 728 UAD 3.6 Compliance Rules: Fatal vs. Warning, and the Ones That Bite","UAD 3.6 Compliance Rules: Fatal vs. Warning | Carat","UAD 3.6 compliance rules explained: 728 rules in Appendix H-1, 592 Fatal and 136 Warning, how they work and which ones are most likely to stop your report.","2026-10-08",[103,496,497,498,499,500,501,502],"uad 3.6 fatal errors","appendix h-1 compliance rules","uad compliance api","ucdp fatal error","uad 3.6 warning messages","uad 3.6 hard stops","ucdp submission summary report",[106,109,504],"UCDP",[87,506,228],"mismo-3-6-xml-explained",[508,511,514,517,520],{"q":509,"a":510},"How many UAD 3.6 compliance rules are there?","Appendix H-1 version 1.5, the compliance rules for the redesigned URAR, lists 728 rules: 592 Fatal and 136 Warning.",{"q":512,"a":513},"What is the difference between a Fatal and a Warning in UAD 3.6?","A Fatal finding makes the UCDP submission unsuccessful until the report is corrected and resubmitted. A Warning does not stop the submission, but it is reported to the lender on the Submission Summary Report for review.",{"q":515,"a":516},"Where can I find the UAD 3.6 compliance rules?","Fannie Mae and Freddie Mac publish them on their Uniform Appraisal Dataset pages. Appendix H-1 is the rule set for the redesigned URAR, and the GSE FAQ also points to Appendices H-2 and H-3.",{"q":518,"a":519},"Who runs the UAD 3.6 compliance rules?","The GSEs run them through the UAD Compliance API when a lender submits to UCDP. Good appraisal software runs the same rules locally so you can fix findings before you deliver.",{"q":521,"a":522},"Why does a rule say to contact the appraisal software vendor?","Those messages usually point to how the XML was written, such as a number format or an internal reference, rather than to something the appraiser entered. Report them to your software vendor.",1711,{"slug":228,"title":525,"seoTitle":526,"description":527,"date":528,"updated":10,"category":211,"pillar":12,"howto":12,"keywords":529,"tags":535,"related":537,"faq":538,"words":550,"minutes":43},"How AI Catches AMC Revision Requests Before You Deliver","How AI Catches AMC Revision Requests | Carat","How AI checks catch AMC revision requests before you deliver: the UAD 3.6 rules behind them, a pre-delivery review, and what software can't catch.","2026-10-07",[530,531,532,326,533,534,499,325],"amc revision request","appraisal revision request","ai appraisal review","uad 3.6 compliance check","appraisal qc checklist",[223,536,106,150],"Revisions",[227,27,268],[539,541,544,547],{"q":162,"a":540},"Most come from three places: data errors that fail the GSE compliance rules at UCDP, inconsistencies a reviewer spots between parts of the report, and client-specific requirements or judgment questions about comps and adjustments. Software can prevent most of the first kind and some of the second.",{"q":542,"a":543},"Can AI review an appraisal before I send it?","Software can check the report against the GSE Appendix H-1 compliance rules and flag missing data, math that doesn't add up and fields that contradict each other. It cannot judge whether your comps or your value are right; that review is still yours.",{"q":545,"a":546},"What is a Fatal finding under UAD 3.6?","A Fatal finding is a compliance rule failure that stops the submission at UCDP until it is fixed. Appendix H-1 lists 728 rules for the redesigned URAR: 592 Fatal and 136 Warning.",{"q":548,"a":549},"How do I reduce revision requests from AMCs?","Run a rules check before every delivery and fix every Fatal, keep a list of each client's standing requirements, make sure commentary agrees with the grid, and answer the obvious questions in the report before a reviewer asks them.",1513,{"slug":65,"title":552,"seoTitle":553,"description":554,"date":555,"updated":10,"category":49,"pillar":93,"howto":93,"keywords":556,"tags":564,"related":565,"faq":566,"words":582,"minutes":171},"How to Switch Appraisal Software Without Losing a Decade of Comps","Switch Appraisal Software, Keep Your Comps | Carat","How to switch appraisal software without losing your comps: export your MISMO 2.6 archive, protect USPAP workfiles and run both programs during UAD 3.6.","2026-10-06",[557,558,559,560,561,562,54,563],"switch appraisal software","change appraisal software","appraisal software migration","export appraisal reports mismo 2.6","keep comps when switching appraisal software","uad 3.6 appraisal software switch","import old appraisal reports",[60,106,372,62],[374,66,67],[567,570,573,576,579],{"q":568,"a":569},"Will I lose my old reports if I switch appraisal software?","Not if you export them first. Most desktop appraisal programs can export finished reports as MISMO 2.6 GSE XML and PDF. Keep those exports, plus your original program's data folder, for as long as USPAP and your state require.",{"q":571,"a":572},"Can old UAD 2.6 reports be converted into UAD 3.6 reports?","Not in any way you should rely on for delivery. The redesigned URAR asks for data the old forms never collected. What you can do is import the old reports as a comps and adjustment history and start new UAD 3.6 reports fresh.",{"q":574,"a":575},"How long do I have to keep appraisal workfiles after switching software?","USPAP's Record Keeping Rule requires keeping the workfile at least five years after preparation, or at least two years after final disposition of a judicial proceeding in which you testified, whichever is later. Your state may add its own rules.",{"q":577,"a":578},"Should I cancel my old appraisal software right away?","Usually not. Keep it until your exports are verified, open revision requests on UAD 2.6 reports are done, and you know you can still open the old files. Revisions to reports first submitted in UAD 2.6 stay in UAD 2.6.",{"q":580,"a":581},"What is MISMO 2.6 GSE XML?","It is the data file format used to deliver UAD 2.6 appraisals to the GSE portals. Because it is a shared standard, it is the most portable way to move your report data out of one program and into another.",2967,{"slug":27,"title":584,"seoTitle":585,"description":586,"date":555,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":587,"tags":594,"related":595,"faq":596,"words":612,"minutes":489},"The AMC Revision Request Survival Guide: The 15 Most Common Asks","AMC Revision Requests: The 15 Most Common | Carat","The 15 most common AMC revision requests on appraisal reports, why each one happens, how to prevent it, and sample response language you can adapt today.",[530,531,588,589,590,591,592,593],"appraisal stips","how to respond to appraisal revision","appraisal revision examples","amc appraisal review","appraisal comment templates","reduce appraisal revisions",[150,536,23],[26,228,268],[597,600,603,606,609],{"q":598,"a":599},"Do I have to make every change an AMC asks for?","No. You must correct real errors and address legitimate questions, but your conclusions are yours. If a request asks you to change an opinion you still believe is supported, you can explain your reasoning instead. Check your engagement terms and get legal advice for specific disputes.",{"q":601,"a":602},"Can an AMC charge me or withhold payment for revisions?","Payment terms are set by your engagement and state AMC laws, which vary. Many appraisers address revision handling and payment timing in their own terms of engagement. Check your state's rules and your agreements.",{"q":604,"a":605},"Is the 15% net and 25% gross adjustment rule still a requirement?","Not for Fannie Mae. Fannie Mae removed the 15% net and 25% gross adjustment guidelines in Selling Guide Announcement SEL-2014-16 and asks for market-supported adjustments instead. Some lenders and AMCs still use the old figures as review triggers.",{"q":607,"a":608},"How do I respond to a reconsideration of value request?","Review the new information honestly, analyze any comparables provided, and explain in writing whether and why your opinion changes. Under the GSE and FHA requirements from 2024, borrower-initiated ROVs follow a lender-managed process with a limit on the number of new comparables.",{"q":610,"a":611},"How can I reduce revision requests?","Answer the predictable questions inside the report before you deliver: comp selection, distance and date, bracketing, large adjustments, ratings, and market trends. Then run a compliance check against the GSE rules so automated findings don't turn into revisions.",1906,{"slug":111,"title":614,"seoTitle":615,"description":616,"date":617,"updated":10,"category":92,"pillar":12,"howto":12,"keywords":618,"tags":627,"related":629,"faq":630,"words":646,"minutes":43},"UAD 3.6 Deadline: Every Date from November 2, 2026 to the UAD 2.6 Retirement","UAD 3.6 Deadline and Timeline (2026–2027) | Carat","The UAD 3.6 deadline is November 2, 2026. Every date that follows, from the lender exception period to the UAD 2.6 retirement on June 28, 2027, explained.","2026-10-02",[619,620,621,622,623,624,625,626],"uad 3.6 deadline","uad 3.6 mandate date","uad 3.6 timeline","november 2 2026 uad","uad 2.6 retirement","uad 3.6 policy exception","uad 3.6 effective date","when is uad 3.6 mandatory",[106,628,504],"Deadlines",[87,113,268],[631,634,637,640,643],{"q":632,"a":633},"What is the UAD 3.6 deadline?","November 2, 2026. From that date, sellers that don't have an approved GSE policy exception must submit UAD 3.6 appraisal reports to UCDP for new submissions.",{"q":635,"a":636},"Is the UAD 3.6 deadline based on the effective date of the appraisal?","No. Freddie Mac says the mandate applies based on the UCDP submission date of the report, not the loan application date or the effective date of the appraisal.",{"q":638,"a":639},"What is the UAD 3.6 policy exception?","A one-time exception the GSEs offered to sellers that need more time. With it, a seller can submit new UAD 2.6 reports through May 19, 2027 and resubmit UAD 2.6 reports through June 27, 2027. The GSEs say it will not be extended.",{"q":641,"a":642},"When is UAD 2.6 retired?","June 28, 2027. After that date no UAD 2.6 appraisal reports are processed in UCDP.",{"q":644,"a":645},"What happens to UAD 2.6 reports from March 1, 2027?","From March 1 through May 19, 2027, UAD 2.6 reports submitted under an exception receive a collateral risk score of 99 from Freddie Mac and 999 from Fannie Mae and are not eligible for collateral representation and warranty relief for value.",1545,{"slug":648,"title":649,"seoTitle":650,"description":651,"date":652,"updated":10,"category":211,"pillar":12,"howto":12,"keywords":653,"tags":663,"related":666,"faq":667,"words":683,"minutes":43},"hybrid-desktop-bifurcated-appraisals","Hybrid, Desktop and Bifurcated Appraisals: Where Technology Fits","Hybrid and Desktop Appraisals Explained (2026) | Carat","Hybrid, desktop and bifurcated appraisals explained: Fannie Mae and Freddie Mac eligibility, who inspects, and how UAD 3.6 reports each scope.","2026-09-30",[654,655,656,657,658,659,660,661,662],"hybrid appraisal","desktop appraisal","bifurcated appraisal","fannie mae desktop appraisal","freddie mac hybrid appraisal","value acceptance property data","property data collection","ace+ pdr","uad 3.6 inspection method",[664,665,106,223],"Hybrid Appraisals","Desktop Appraisals",[227,336,87],[668,671,674,677,680],{"q":669,"a":670},"What is the difference between a hybrid and a desktop appraisal?","In a hybrid appraisal, a trained third party collects interior and exterior data on site and the appraiser relies on it. In a desktop appraisal, no one performs a current inspection for the appraisal; the appraiser relies on data sources such as public records, listings and floor plans.",{"q":672,"a":673},"What is a bifurcated appraisal?","Bifurcated is an industry term for splitting an appraisal into two assignments: property data collection by one person on site, and the analysis and value opinion by an appraiser who may never visit. Fannie Mae's hybrid appraisal is one form of it.",{"q":675,"a":676},"When does Fannie Mae allow a desktop appraisal?","Per the Selling Guide, a desktop appraisal is eligible for a one-unit principal residence purchase, including new construction, with LTV at or below 90 percent and a DU Approve\u002FEligible recommendation. Refinances, second homes, investment properties, two- to four-unit properties, condos, co-ops and manufactured homes are ineligible.",{"q":678,"a":679},"Who can be a property data collector?","Fannie Mae requires a trained and vetted collector and asks the appraiser to report the collector's workforce type, such as appraiser, appraiser trainee, real estate agent, home inspector or insurance inspector. The lender is responsible for vetting the collector.",{"q":681,"a":682},"How does UAD 3.6 handle desktop and hybrid scopes?","The redesigned URAR is one dynamic report. The appraiser reports how the interior and exterior were inspected (Physical, Virtual or No Inspection), and the property data collector's inspection is reported separately when one was used. The compliance rules check that the certification matches.",1662,{"slug":506,"title":685,"seoTitle":686,"description":687,"date":688,"updated":10,"category":92,"pillar":12,"howto":12,"keywords":689,"tags":697,"related":699,"faq":700,"words":716,"minutes":43},"MISMO 3.6 XML Explained for Appraisers (No Developer Required)","MISMO 3.6 XML Explained for Appraisers | Carat","MISMO 3.6 XML explained in plain English for appraisers: what's in the UAD 3.6 file, how it relates to the PDF and images, and why the zip package matters.","2026-09-29",[104,690,691,692,693,694,695,696],"mismo 3.6 xml","uad 3.6 xml","mismo xml appraisal","uad 3.6 zip file","appraisal xml file","mismo 2.6 vs 3.6","ucdp xml",[108,106,698],"XML",[87,268,113],[701,704,707,710,713],{"q":702,"a":703},"What is MISMO 3.6?","MISMO is the Mortgage Industry Standards Maintenance Organization, which publishes data standards for the mortgage industry. Version 3.6 of its reference model is the base the GSEs used for the UAD 3.6 appraisal dataset.",{"q":705,"a":706},"Do appraisers need to read or edit MISMO XML?","No. Your appraisal software writes the XML from what you enter. It helps to know what's in it, because the GSE compliance rules check the XML, not the PDF.",{"q":708,"a":709},"What files are in a UAD 3.6 zip?","One UAD 3.6 XML file, one first-generation PDF of the report that matches the XML, and a folder named Images with every photo, map and exhibit the XML references. The zip can't exceed 60 MB.",{"q":711,"a":712},"Can I edit the PDF after my software creates it?","You shouldn't. Appendix B-1 says the PDF must match the XML and must be a first-generation PDF produced by the appraiser's software. Make changes in the report and rebuild the package.",{"q":714,"a":715},"Are photos embedded in the UAD 3.6 XML?","No. Images go in the Images folder of the zip. The XML holds only metadata for each image, such as its category and its relative path in the zip.",1563,{"slug":408,"title":718,"seoTitle":719,"description":720,"date":688,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":721,"tags":729,"related":732,"faq":733,"words":749,"minutes":85},"The Appraiser Shortage and the Trainee Bottleneck","The Appraiser Shortage & Trainee Bottleneck | Carat","Is there an appraiser shortage? What National Registry data shows, why trainees struggle to find supervisors, and where PAREA and 2018 AQB changes fit.",[147,722,723,724,725,726,727,728],"appraiser trainee","how to become an appraiser","supervisory appraiser","parea appraisal","appraiser trainee bottleneck","number of appraisers","appraiser licensing requirements",[23,730,731],"Trainees","PAREA",[26,153,336],[734,737,740,743,746],{"q":735,"a":736},"Is there really an appraiser shortage?","The number of credentials on the Appraisal Subcommittee's National Registry has declined for years, to 89,618 at the end of 2025. Whether that feels like a shortage depends on the market and the loan volume. It is felt most in rural areas and during refinance booms.",{"q":738,"a":739},"How many hours does an appraiser trainee need?","Under the AQB minimum criteria effective May 1, 2018, a Licensed Residential credential requires 1,000 hours over at least six months and Certified Residential requires 1,500 hours over at least twelve months. States may set stricter requirements, so check your state board.",{"q":741,"a":742},"What is PAREA?","PAREA, Practical Applications of Real Estate Appraisal, is an AQB-approved alternative to the traditional supervisor and trainee model. It uses simulated, mentored training to provide experience credit toward residential credentials, and states decide whether to accept it.",{"q":744,"a":745},"Why won't appraisers take on trainees?","Supervising takes time, adds liability, and can reduce income, since some clients won't accept trainee work and the fee doesn't grow when two people work the file. Many appraisers also worry about training a competitor.",{"q":747,"a":748},"How do I find a supervisory appraiser?","Common routes include state and local appraisal associations, coalitions, appraisal schools, local firms that already employ staff, and simply calling certified appraisers in your area. A clear plan for how you'll add value to their business helps.",1474,{"slug":28,"title":751,"seoTitle":752,"description":753,"date":754,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":755,"tags":764,"related":766,"faq":767,"words":783,"minutes":489},"Appraising Then and Now: From Polaroids and Typewritten 1004s to UAD 3.6","Appraising Then and Now: 1990s to UAD 3.6 | Carat","Appraising then and now: how residential appraisal changed from film, fax and typed 1004s through HVCC, AMCs, UAD and PAVE to the UAD 3.6 redesigned URAR.","2026-09-22",[756,757,758,759,760,761,762,763],"appraising then and now","history of residential appraisal","appraisal industry changes","hvcc history","uad history","appraisal management company history","firrea appraiser licensing","uad 3.6 changes for appraisers",[23,765,106],"History",[26,267,408],[768,771,774,777,780],{"q":769,"a":770},"When did appraisers have to be licensed?","Title XI of FIRREA, enacted in August 1989, required state certified or licensed appraisers for federally related transactions. States built their licensing programs over the next couple of years, and the deadline for federally regulated institutions to use credentialed appraisers was extended to December 31, 1991.",{"q":772,"a":773},"What was the HVCC?","The Home Valuation Code of Conduct was a set of appraiser independence rules for loans sold to Fannie Mae and Freddie Mac, effective May 1, 2009. It separated loan production staff from appraiser selection and contributed to lenders' growing use of appraisal management companies. It was replaced in late 2010 by later appraiser independence requirements.",{"q":775,"a":776},"When did the Uniform Appraisal Dataset start?","UAD reporting was required for conventional appraisals delivered to Fannie Mae and Freddie Mac with effective dates on or after September 1, 2011, alongside the Uniform Collateral Data Portal for electronic submission.",{"q":778,"a":779},"What is different about UAD 3.6?","UAD 3.6 replaces the separate forms like the 1004, 1073, 1025 and 2055 with one dynamic redesigned URAR delivered as MISMO 3.6 XML. It is mandatory for new UCDP submissions starting November 2, 2026.",{"q":781,"a":782},"Was appraising easier in the 1990s?","Some parts were simpler: fewer forms, fewer portals, direct relationships with lenders. Other parts were harder, including slow film photos, paper comps and manual math. The pressure on appraisers simply came from different directions.",1947,{"slug":267,"title":785,"seoTitle":786,"description":787,"date":754,"updated":10,"category":92,"pillar":12,"howto":12,"keywords":788,"tags":795,"related":797,"faq":798,"words":814,"minutes":43},"The Redesigned URAR vs. the Form 1004: What Changed and Why","Redesigned URAR vs. Form 1004: What Changed | Carat","The redesigned URAR vs. the Form 1004, section by section: what moved, what's new, what's gone and why the GSEs rebuilt the appraisal report for UAD 3.6.",[98,789,102,790,791,792,793,794],"redesigned urar vs 1004","form 1004 changes","urar uad 3.6","new appraisal form 2026","urar sections","1004 replacement",[107,796,106],"Form 1004",[87,112,247],[799,802,805,808,811],{"q":800,"a":801},"What is the redesigned URAR?","It's the new Uniform Residential Appraisal Report under UAD 3.6. One dynamic report replaces the Form 1004 and the other GSE appraisal forms, showing only the sections that apply to the property being appraised.",{"q":803,"a":804},"Is the redesigned URAR longer than the 1004?","It depends on the property. A simple detached house may run a similar length once you count the addenda a 1004 used to need. A property with an ADU, outbuildings or many defects will be longer, because each item gets its own structured rows.",{"q":806,"a":807},"Does the redesigned URAR still use C and Q ratings?","Yes. Condition and quality ratings carry over, and the report adds a ratings definitions appendix. Condition is also reported per component, such as roof and windows, in addition to the overall rating.",{"q":809,"a":810},"Does the 1004MC still exist under UAD 3.6?","The redesigned URAR has its own Market section covering listings, pending sales, days on market, price ranges, supply and demand and a price trend analysis, so the market analysis is part of the report instead of a separate addendum.",{"q":812,"a":813},"Why did Fannie Mae and Freddie Mac redesign the URAR?","The GSEs wanted one report that works for any residential property type, built on the MISMO 3.6 data standard, so the data in every appraisal is consistent, complete and machine-readable.",1606,{"slug":336,"title":816,"seoTitle":817,"description":818,"date":754,"updated":10,"category":211,"pillar":12,"howto":12,"keywords":819,"tags":825,"related":826,"faq":827,"words":843,"minutes":43},"Will AI Replace Appraisers? What AVMs Can and Can't Do","Will AI Replace Appraisers? AVMs Explained | Carat","Will AI replace appraisers? A plain look at what automated valuation models do well, where they fail, the new AVM rule, and where appraisers still matter.",[328,327,820,821,822,823,824,220],"avm vs appraisal","ai appraisal","future of appraisers","are appraisers being replaced","avm quality control rule",[223,334,23],[227,648,408],[828,831,834,837,840],{"q":829,"a":830},"Will AI replace real estate appraisers?","AI and AVMs already replace some appraisals, mostly on low-risk loans where lenders are allowed to waive one. They do not replace the appraiser's role on complex properties, thin markets, condition-driven values, litigation, or any assignment that needs an inspected, credentialed opinion.",{"q":832,"a":833},"How accurate are automated valuation models?","Accuracy varies by model, market and property. AVMs tend to do best on typical homes in active markets with many recent sales and worst on unique, rural or poorly documented properties. Lenders are now required to have quality control standards for the AVMs they rely on.",{"q":835,"a":836},"What is the AVM quality control rule?","It is a 2024 interagency final rule, effective October 1, 2025, that requires mortgage originators and secondary market issuers using AVMs for credit decisions to maintain controls for confidence, data integrity, conflicts of interest, random testing and nondiscrimination.",{"q":838,"a":839},"Is appraising still a good career?","The Bureau of Labor Statistics projects employment of property appraisers and assessors to grow 4 percent from 2024 to 2034, about as fast as average, with about 6,300 openings a year. Work is shifting toward complex assignments, review, and new scopes like hybrid appraisals.",{"q":841,"a":842},"Does an AVM look inside the house?","No. An AVM works from data such as public records, past sales and listings. It cannot see a failed roof, a gutted kitchen, a foundation crack or an unpermitted addition unless that information is already in its data.",1508,{"slug":112,"title":845,"seoTitle":846,"description":847,"date":848,"updated":10,"category":92,"pillar":12,"howto":12,"keywords":849,"tags":859,"related":861,"faq":862,"words":425,"minutes":85},"Goodbye 1004, 1073, 1025, 2055: How One Dynamic URAR Replaces the Old Forms","UAD 3.6 Replaces the 1004, 1073, 1025, 2055 | Carat","UAD 3.6 retires the 1004, 1073, 1025, 2055 and the other GSE appraisal forms. See how one dynamic URAR handles condos, 2–4 units and exterior-only work.","2026-09-15",[850,851,852,853,854,855,856,857,858],"uad 3.6 replaces 1004","1073 uad 3.6","1025 uad 3.6","2055 uad 3.6","retired appraisal forms","dynamic urar","uad 3.6 condo appraisal","uad 3.6 2-4 unit","exterior only appraisal uad 3.6",[106,107,860],"Forms",[87,267,111],[863,866,869,872,875],{"q":864,"a":865},"Which appraisal forms does UAD 3.6 retire?","Per Freddie Mac's UAD 3.6 FAQ, the redesigned URAR retires and replaces the 1004, 1073, 1075, 2055, 1004C, 2090, 2095, 1025, 1007 and 1004D, plus the desktop and hybrid versions of the 1004 and 1073. The Operating Income Statement 216 is also retired.",{"q":867,"a":868},"How does one URAR handle a condo?","When the property is a condominium unit, the report shows the Project Information section and the condo-specific fields. The same report structure is used, with the sections that apply turned on.",{"q":870,"a":871},"What replaces the Form 1025 for 2–4 unit properties?","The redesigned URAR covers 2–4 unit properties with multiple Unit Interior sections, a built-in rent schedule and rental comparables, and the income approach with gross rent multiplier comparables when it is in scope.",{"q":873,"a":874},"What replaces the 2055 exterior-only appraisal?","Exterior-only work is handled by the same redesigned URAR, with the scope of work and inspection type stated in the report. There is no separate exterior-only form.",{"q":876,"a":877},"Is the 1004D still used under UAD 3.6?","The 1004D\u002F442 is retired as a form. Appraisal updates and completion reports have their own UAD 3.6 report types and must be delivered in the UAD 3.6 zip format.",1793080427748]