Solidfi AMC vs. Appraiser

By on August 21, 2026   /   AMCs, Appraisal Qualifications Board, appraisal regulations, UAD 3.6   /   Leave a comment

Newz: AQB Changing Requirements OK?, Completion Certificates, Solidfi AMC vs. Appraiser

August 21, 2026

What’s in This Newsletter (In Order, Scroll Down)

LIA AD: Completion Certificate Assignment

  • Second AQB Exposure Draft Proposals Could Be Game-Changing, By Bryan Reynolds
  • How the Shotgun Home Went From Affordable Southern Staple to an Endangered Design Gem
  • When Solidifi Tried to Silence Samnick
  • MY AD: Beyond Forms, Toward Wisdom: The Case for a Broader Education in Real Estate Appraisal, By Tim Andersen, MAI
  • Appraisal Software Tools to Consider in 2026
  • My UAD 3.6 Tips of the Week – FHA/VA, Tablets
  • MBA AD STATS: Mortgage applications decreased 0.4 percent from one week earlier

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Second AQB Exposure Draft Proposals Could Be Game-Changing

By Bryan Reynolds

Comments are due by August 30, 2026. To Post Your Comments, Click Here

The AQB is proposing changes to the appraiser qualification requirements that would significantly change some of the barriers to entry. Here are some highlights. Excerpts: n June 22, 2026, the Appraisal Foundation’s Appraiser Qualifications Board (AQB) released their “Second Exposure Draft of Proposed Changes to the Real Property Appraiser Qualification Criteria.” (Read it here.)

That’s a mouthful. Let me translate: The AQB is proposing some big sweeping changes to the minimum requirements for becoming a real property appraiser. I’m not taking a position on these proposals, but there’s no question that several of them could remove or reduce long-standing barriers to entry for aspiring appraisers.

As AQB chair Jerry Yurek explained: “The proposals do not lower the bar the appraiser credential signifies. They do, however, streamline the path to entry into the profession by eliminating requirements that do not contribute to an applicant’s readiness.”What the Exposure Draft Would Change:

1. Eliminate the College Degree Requirement for Certified Residential and Certified General

2. Remove the Minimum Calendar-Time Requirements for Experience

3. Add a Demonstration Appraisal Report Pathway for Licensed Residential

4. Recognize Experience Already Earned When Moving to a Higher Classification

Make Your Voice Heard

The AQB exposure process is the profession’s opportunity to support, oppose, or recommend revisions to the proposals. Comments are due by August 30, 2026. Whether you are an appraiser, trainee, educator, regulator, lender, or user of appraisal services, review the draft carefully and provide specific, constructive feedback to the AQB.

These proposals could be game-changing. The profession should help determine exactly how the game changes.

To read more in the article Click Here

For more information from the AQB, Click Here 

My comments: This article is very positive about the reason for the changes and mostly was what the ASB said. Many thanks to Bryan Reynolds for writing up what is proposed.

No college degree for certified general is not a good idea.

I learned how to write long “papers”, open to ideas about new things in college. Of course business classes are good. I never had business classes until I got my MBA 10 years after I started appraising. I became a much better appraiser. Maybe some business classes could be required. Especially financial.

Commercial appraisers need very good math and financial expertise.

The big problem, exposed after licensing, was the experience requirement. People sent out mass mailings to find a mentor. They had no way to determine if they were ethical, knew how to appraise, and more. Of course, fee appraisers have had no teacher training. I still hear stories about trainees who found out their mentor was teaching them the wrong things.

Before licensing, most trainees started at lenders, who had supervisors to train them. I was trained at an assessor’s office with the same set up.I am a musician and learned to play many instruments over the years. I learned to take lessons when I first started playing. Why? So I did not have to un-learn the wrong way to play better. The same applies to appraiser trainees.

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A FINAL PLEA — TAKE A FEW MINUTES TO COMMENT BY DOUG SMITH

The AQB has extended the comment deadline on its proposed changes to the Real Property Appraiser Qualification Criteria from July 27 to August 30. With appraisers also trying to prepare for the enormous change represented by UAD 3.6, that extra time is welcome.

But August 30 is now only days away.One proposal deserves particular attention: eliminating the college degree requirement for Certified General appraisers.Whatever your position, this is a major change in the qualifications for entry into our profession. The AQB needs to hear from the people who actually practice appraisal.You do not need to write an essay. Even a short comment stating whether you support or oppose eliminating the college degree requirement — and briefly why — puts an appraiser’s voice into the record.Take a few minutes. Make your voice heard.Deadline: August 30, 2026Send your comment by email to: AQBComments@appraisalfoundation.org

Copy the address, paste it into your email, write a few sentences, and hit Send.Many thanks to Doug Smith for his comments!!

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How the Shotgun Home Went From Affordable Southern Staple to an Endangered Design Gem

Excerpts: their narrow footprints and vibrant facades, shotgun homes stand as one of the most distinctive architectural styles in the American South. Originally designed to maximize efficiency and natural airflow, these compact structures pack a remarkable amount of character into a surprisingly small layout.

Beyond their eye-catching exteriors lies a design philosophy borne out of pure resourcefulness and clever spatial engineering.

Long before modern air conditioning or open-concept trends, these homes were built to solve real-world living challenges in humid, urban environments.

Over the centuries, the shotgun home has undergone a dramatic transformation in its perception. What once began as an accessible option for working families has evolved into a celebrated piece of architectural history.

When was the first shotgun home designed?

Shotgun houses are deeply rooted in West African and Haitian culture. The architectural style was brought to the United States in the early 1800s mostly by Haitian immigrants fleeing the Haitian Revolution.

The design first emerged in New Orleans following the city’s large influx of immigrants from Haiti in 1809. Because of their small and affordable build, shotgun homes traditionally housed poorer populations.

Shotgun houses spread throughout the American South as an affordable way for working-class families and industrial laborers to own a home. But throughout the 1960s and 1970s, many shotgun homes were demolished to make way for federally funded “urban renewal” and highway construction due to the poverty stigma associated with the design.

The exact origins of the moniker “shotgun” house are a bit of a mystery. However, it is commonly said that one could fire a shotgun through the front door and the bullet would pass all the way through the back door unscathed because of its narrow, hallway-less design.

To read more Click Here

My comments: I have been hearing about shotgun houses for many years. I saw classic shotgun houses a few times in New Orleans. Fascinating history I knew nothing about! I also saw sometimes homes built with floor plans similar to shotgun homes.

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When Solidifi Tried to Silence Samnick

Excerpts: David Samnick has spent years warning that the AMC model would eventually expose its own contradictions. He is a Georgia appraiser, a long time critic of AMC practices, and the author of Mein Comp: The Last Appraiser, a book that traces how independence in the profession was eroded year after year by expanding corporate control.

Samnick walked away from mortgage work two years ago, stopped accepting AMC assignments entirely, and now works only for private clients.

He has never completed an assignment for Clear Capital. Yet despite having no active relationship with Solidifi and no reliance on their panel, he still received a compliance letter demanding that he explain why he criticized Clear Capital on social media.

The moment you read it, you realize it belongs in a category all its own.

Solidifi informed him that he was being placed on hold and insisted he had violated confidentiality by referencing an appraisal order in his post. They warned that he could be removed from their panel if his explanation did not satisfy their compliance committee or if he failed to respond within thirty days.

This came from an AMC he has not worked with in roughly two years. It reads less like a professional inquiry and more like an attempt to muzzle an appraiser who dared to speak plainly about the way AMCs treat independent professionals.

Solidifi objected to his criticism of Clear Capital while simultaneously proving the very point he was making about AMC overreach, creating a situation so contradictory that it practically explains itself.

The Appraisal Regulation Compliance Council (ARCC) has documented cases where Clear Capital kept 69% of the total fee and Solidifi kept 60%. These findings were not speculation. They were documented violations showing how deeply the fee siphoning problem runs and how little of the consumer’s payment actually reaches the person responsible for the accuracy of the report.

The appraiser carries the license, the liability, the insurance, the continuing education, and the responsibility for the valuation. The AMC carries the administrative paperwork. Yet the AMC often earns more from the appraisal than the person who actually performs it.

To read more Click Here

My comments: Read the letter sent to Samnick. Bizarre!! I interviewed Samnick and did a review of his Most Excellent Book – Mein Comp. Unfortunately, the name of the book was confused sometimes with Hitler’s book of the same name when trying to purchase his book.

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Beyond Forms, Toward Wisdom: The Case for a Broader Education in Real Estate Appraisal

In the April, 2026 issue of Appraisal Today

By Tim Andersen, MAI

Excerpts: Abstract This essay argues that the practice of real estate appraisal requires more than technical proficiency and regulatory compliance. To achieve excellence and credibility, appraisers benefit from a broader intellectual foundation that includes philosophy, economics, business law, composition, logic, and rhetoric.

Philosophy strengthens ethical reasoning and critical thinking; economics clarifies market dynamics; business law situates valuation within legal frameworks; composition, logic, and rhetoric enhance the clarity and persuasiveness of appraisal reports. While some practitioners may resist calls for university-level education, fearing exclusion or unnecessary barriers, the essay reframes this vision as an invitation rather than a requirement.

A cross-disciplinary approach enriches the profession, elevates credibility in the eyes of clients and courts and encourages appraisers to stretch beyond minimum standards. Ultimately, the essay contends that the profession’s future depends on cultivating wisdom-thinking like philosophers, reasoning like economists, and writing like rhetoricians. This broader education moves appraisal beyond forms and toward wisdom.

Introduction

For many years, I have argued, sometimes quietly, but sometimes more loudly, that to be a truly effective real estate appraiser requires more than technical skill with a measuring tape or a deep familiarity with the Uniform Standards of Professional Appraisal Practice (USPAP).Those are essential, of course.

But excellence in appraisal goes deeper. It requires a grounding in disciplines that might, at first glance, seem far removed from the daily tasks of inspecting properties or completing forms. I am speaking here about philosophy, economics, business law, composition, logic, and rhetoric.

The pillars of a university-level education that prepare a person not just to do appraisal, but to be an appraiser in the fullest, most professional sense.

I still believe this with all my heart. And although some of my colleagueshave ridiculed me personally or dismissed the idea, I remain convinced that the profession of real estate appraisal will rise or fall based on how seriously it embraces a richer intellectual foundation.

This essay is not a defense against criticism, but rather an invitation-to imagine what our profession could become if appraisers stretched beyond the minimum requirements and aspired to something more enduring: wisdom.

To read the full article, plus 3+ years of previous issues, subscribe to the paid Appraisal Today To subscribe, Click Here.

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Appraisal Software Tools to Consider in 2026

Excerpts: As appraisers prepare for UAD 3.6 and the redesigned Uniform Residential Appraisal Report (URAR), technology decisions are receiving renewed attention. While software has always played an important role in appraisal reporting, the industry’s move toward a more data-driven framework is prompting many professionals to reevaluate the tools they use every day.

The right appraisal software can help improve efficiency, streamline workflows, reduce repetitive data entry, and support consistency across reports. Whether you’re exploring new platforms or simply curious about the options available, this guide highlights several appraisal software tools worth considering as the profession continues to evolve.

What to Look for in Appraisal Software. Not all appraisal software platforms take the same approach.

As you evaluate your options, consider factors such as:

• UAD 3.6 and URAR readiness

• Workflow automation and efficiency features• Integration with MLS, sketching, inspection, and data tools

• Cloud access and mobile capabilities• Report creation and data management functionality

• Training resources and customer support

• The best solution for one appraiser may not be the best solution for another. Your ideal platform will depend on your workflow, business needs, assignment types, and personal preferences.

Top Appraisal Software Tools

The software tools included below represent a selection of popular options used by appraisers. Inclusion does not constitute an endorsement, and appraisers should evaluate solutions based on their individual business needs.

Appraisal Analysis and Reporting Tools, such as Datamaster and Solomon Adjustment

UAD 3.6 Appraisal Software Lists with features on different software.

Workflow and Business Management Solutions Anow and Appraisal Inbox

To read more Click Here

My comments: Useful in deciding what you want. FYI, some software tools are integrated with UAD 3.6 software vendors.

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My UAD 3.6 Tips of the Week

FHA and VA Status FHA has announced its move toward UAD 3.6. VA has remained noticeably silent. Per Doug Smith, who keeps us updated with FHA and VA.I am hearing a lot of rumors about VA but no one knows for sure.

Tablets for Inspection Apps – Which tablet to buy. Or can you use a phone. Ask the Software vendors. Everyone is different. I purchased a high end Ipad. It was more than I needed, but I wanted to be able to test any app I wanted. I have used Ipads since the first one was available. Also my current Ipad had a bad battery and could not hold a charge….

UAD 3.6 is changing fast. Every month in Appraisal Today monthly newsletter I have an long article: UAD 3.6 Update with the latest news and tips. To subscribe, To order, Click Here

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To read more about the 4 ways, plus information on why I take ads, etc.Click here

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Subscribe to Monthly Newsletter at www.appraisaltoday.com/order

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If you are a paid subscriber and did not receive the August, 2026 issue emailed on Monday August 3, 2026 please email info@appraisaltoday.com, and we will send it to you. Be sure to include a comment requesting it. Or, call 510-865-8041

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HOW TO USE THE NUMBERS BELOW. Appraisals are ordered after the loan application. These numbers tell you the future for the next few weeks. For more information on how they are compiled, Click Here.

Note: I publish a graph of this data every month in my paid monthly newsletter, Appraisal Today. For more information or get a FREE sample go to www.appraisaltoday.com/order Or call 510-865-8041, MTW, 7 AM to noon, Pacific time.

My comments: Rates are going up and down. We are all waiting for rates to drop lower in 2027.

Mortgage applications decreased 0.4 percent from one week earlier

WASHINGTON, D.C. (August 19, 2026) — Mortgage applications decreased 0.4 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending August 14, 2026.The Market Composite Index, a measure of mortgage loan application volume, decreased 0.4 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index decreased 1 percent compared with the previous week.  The Refinance Index increased 2 percent from the previous week and was 18 percent lower than the same week one year ago. The seasonally adjusted Purchase Index decreased 2 percent from one week earlier. The unadjusted Purchase Index decreased 3 percent compared with the previous week and was 3 percent lower than the same week one year ago.

“Mortgage rates and applications changed little last week, with just a slight increase in refinances for conventional and VA loans, while FHA refinances were lower,” said Joel Kan, CMB, MBA’s VP and Deputy Chief Economist. “Borrowers with larger loan sizes remain less likely to refinance with rates at these higher levels. The average loan size on refinances continues to shrink, dipping to $282,200 last week, the lowest level since June 2025.”Added Kan, “Purchase applications decreased and were also lower than last year’s pace. In addition to the economic uncertainty, affordability difficulties have reemerged as a reason for homebuyers to delay purchase decisions given the impact of higher mortgage rates on monthly mortgage payments.”

The refinance share of mortgage activity increased to 41.9 percent of total applications from 40.7 percent the previous week. The adjustable-rate mortgage (ARM) share of activity decreased to 7.7 percent of total applications.

The FHA share of total applications decreased to 17.1 percent from 17.3 percent the week prior. The VA share of total applications increased to 12.6 percent from 12.3 percent the week prior. The USDA share of total applications remained unchanged at 0.5 percent from the week prior.The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($832,750 or less) remained unchanged at 6.77 percent, with points decreasing to 0.65 from 0.67 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. The effective rate remained unchanged from last week.The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $832,750) increased to 6.71 percent from 6.68 percent, with points decreasing to 0.48 from 0.51 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA increased to 6.45 percent from 6.43 percent, with points increasing to 0.82 from 0.77 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.The average contract interest rate for 15-year fixed-rate mortgages decreased to 6.08 percent from 6.10 percent, with points decreasing to 0.82 from 0.94 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.The average contract interest rate for 5/1 ARMs decreased to 5.94 percent from 5.99 percent, with points increasing to 0.87 from 0.83 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.

The survey covers U.S. closed-end residential mortgage applications originated through retail and consumer direct channels. The survey has been conducted weekly since 1990. Respondents include mortgage bankers, commercial banks, thrifts, and credit unions. Base period and value for all indexes is March 16, 1990=100.

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Ann O’Rourke, MAI, SRA, MBA

Appraiser and Publisher Appraisal Today

1826 Clement Ave. Suite 203 Alameda, CA 94501

Phone: 510-865-8041

Email:  ann@appraisaltoday.com

Online: www.appraisaltoday.com

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AI and Appraisers

By on January 30, 2026   /   AI, appraisal, Appraisal Qualifications Board, UAD 3.6   /   Leave a comment
Tags: , , ,

Newz: UAD 3.6 Started for Lenders, AI and Appraisers

January 30, 2026

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What AI Means For Appraisers

Click here to subscribe to our FREE weekly appraiser email newsletter and get the latest appraisal news

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What’s in This Newsletter (In Order, Scroll Down)

  • LIA AD: Safety issues not fixed
  • 7.5 Things AI Is Already Doing Better Than Most Appraisers (And Why That’s Okay) By Mark Buhler
  • EXCLUSIVE: Tech Mogul Lists His Custom-Built Coral Gables Megamansion for Sky-High Price of $22 Million
  • Critical Thinking and the Intellectual Deficit in Real Estate Appraisal Qualifying Education by Timothy Andersen
  • MY AD: Appraisers’ Guide to the New URAR by Dave Towne
  • GSEs: Available Now in Broad Production: UAD 3.6 and Forms Redesign
  • URAR: Expect The Unexpected. How UAD 3.6 affects lenders
  • MBA: Mortgage applications decreased 8.5 percent from one week earlier

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7.5 Things AI Is Already Doing Better Than Most Appraisers (And Why That’s Okay)

By Mark Buhler

A while ago I wrote about “7.5 Things Appraisers Can Do That Artificial Intelligence Cannot”—the human parts of the job AVMs and algorithms still can’t touch: judging condition and quality, interpreting oddball features, smelling the house, defending adjustments, testifying in court, and exercising professional judgment under pressure.

None of that has changed.

What has changed is the toolset. AI is already doing parts of the workflow faster, cheaper, and more consistently than most humans—not the appraisal itself, but much of the heavy lifting underneath it:

Data gathering and sorting

Pattern detection

First-draft writing

Basic consistency and error checks

You will not beat AI at those tasks. The good news is you do not need to.

7.5 Tools you need:

1. Sifting Massive Datasets for Patterns

2. 2. Generating a First-Pass Comp Set

3. Producing Market Metrics and Adjustment Support on Demand

In my first article, I argued that AI cannot judge condition, interpret quirks, smell the house, testify in court, or exercise professional judgment. That remains true.

What has changed is the gap between appraisers who leverage AI and those who pretend it does not exist. The market is looking for valuation professionals who can…

To read more, Click Here

My comments: Definitely worth reading, including all 7 of the Tools.

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EXCLUSIVE: Tech Mogul Lists His Custom-Built Coral Gables Megamansion for Sky-High Price of $22 Million

Excerpts: 7 bedrooms, 7.5 baths, 7007 sq.ft., 0.47 acre lot, built in 2018

It was the unobstructed views out over the water that first drew the tech expert to the property, as well as the privacy offered by its location in a secure gated community, and the fact that the Bahamian island chain of Bimini is just a 1.5-hour boat ride from the home’s dock.

From the outside, the home could be mistaken for a resort thanks to its lavish pool, built-in barbecue, firepit lounge, outdoor kitchen, expansive waterfront terraces, and a basketball or volleyball court by the water—all of which make for a rare backdrop of relaxation and play.

Elsewhere on the grounds, there are two private docks that accommodate a superyacht of more than 100 feet, a 30,000-pound boat lift, and access to Biscayne Bay.

To read more, Click Here

To see the listing with an aerial view, virtual tour and 60 photos, Click Here

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Critical Thinking and the Intellectual Deficit in Real Estate Appraisal Qualifying Education

by Timothy Andersen, MAI The Appraiser’s Advocate

Excerpts: It is the premise of this essay that critical thinking, analytical rigor, integrative synthesis, and dialectical method are indispensable to the cultivation of competent real estate appraisers and the concomitant production of credible appraisals and non-misleading appraisal reports.

Yet, curiously, these conceptual pillars are either wholly absent or conspicuously marginalized within the current corpus of real estate appraisal qualifying education (QE). That QE in its present form is devoid of any formal engagement with these concepts suggests a foundational deficiency that imperils the credibility of both practice and pedagogy.

Appraisal is, at its core, a dialectical enterprise. The seller posits a value—often broker-influenced and aspirational. The buyer counters with skepticism and a desire for a discount. The broker inserts pecuniary incentives into the mix, motivated by the commission structure. The appraiser is thrust into this cauldron of competing value claims, charged with the burden of arbitrating truth. The appraiser must navigate opposing viewpoints, adjudicate conflicting data, and deliver a resolution rooted in evidence and reason.

In this sense, each appraisal is a dialectical negotiation, an intellectual endeavor wherein the appraiser becomes not merely a market technician but a philosophical mediator. Such work demands a skill set that far exceeds the filling of forms or the clicking of dropdown menus. It requires a mind trained in critical discernment, analytical rigor, synthetic coherence, and dialectical resolution, not merely in filling out a reporting form.

Yet, current appraisal QE and CE, and some of their providers, entrenched in their pedagogical inertia, fail to cultivate these competencies. They privilege mechanics over meaning, technique over thought. The consequence of such tactics is clear: we produce technicians, not scholars; form-fillers, not thinkers.

To read more, Click Here

My comments: This article explains what is missing in classes required for licensing. What you learn when first starting appraising is very, very important so you don’t have to try to learn it later.

Unfortunately after licensing started many new appraisers had not very good education. The appraisal professional associations, such as the Appraisal Institute (and predecessor associations) would not offer trainee classes. They only offered classes for getting designations. I had to refer them to the local “how to fill out a form” classes which were not very good.

The plan for appraisers to train appraisers did not work out well for many new appraisers. Appraisers lacked experience in teaching and did not want to take the time to train appraisers. Prior to licensing, most appraisers were staff appraisers at lenders who provided training. I was trained at an assessor’s office.

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Train the Trainer Class for GSEs New URAR and UAD 3.6

Appraisers’ Guide to the New URAR

In the May 2025 issue of Appraisal Today

By Dave Towne

Excerpts: Quality and Condition Ratings Updated and Appendix F-1

We learned that the Definitions for Q and C have been updated for more

clarity.

These will be in a new Appendix F-1, (available on the GSE web sites) which

appraisers should review BEFORE beginning to do UAD 3.6 URAR Reports!

I have to keep F-1 running in the background on my computer, and will do

that when teaching. F-1 is about 350 pages and shows most all entries that are required on the new reports.

Secondly, the Report will allow for better reporting of Q & C ratings for

various components. And additional property amenities can be selected from a list or drop-down.

In most cases, the Report will involve both office desktop and field tablet

inputting of data… which at this point appears to be more comprehensive than is currently required. Will the lenders recognize this fact, and correspondingly tell their lending client that the “appraisal Report” will cost more than what it might have in the past?

More importantly, will appraisers quit accepting low-ball fee assignments?

These are unknown at this point.

One more point, based on my review of the class material: this new process

is demanding a much more intensive and precise gathering of property detail than appraisers currently do.

It will take more time to do in the field than appraisers currently spend, and if

the appraiser transfers the field data back to their office desktop for completion, that will entail more time.

The ability to do complete inspections with a piece of paper on a clipboard is

going to end. A tablet or large smart phone is strongly recommended.

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January, 2026 issue emailed on Friday January 2, 2026 please email info@appraisaltoday.com, and we will send it to you. You can also hit the reply button. Be sure to include a comment requesting it. Or, call 510-865-8041
Available Now in Broad Production: UAD 3.6 and Forms Redesign

UAD 3.6 and Forms Redesign Broad Production Period is here.

The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production period starts today, January 26, 2026, with a mandate of November 2, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®). EMAIL DATED 1-26-26

The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®).

Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an appraisal software provider whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by the November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6

WHAT THIS MEANS FOR APPRAISERS NOW: Appraisers will still be providing UAD 2.6 – the current forms. You will have time to learn UAD 3.6 appraisals. The demand for the UAD 2.6 will decline over time as lenders get set up for UAD 3.6.

To read the official original copy of what Freddie says, Click Here

Comments from Dave Towne on 1-27-26

Editor’s comment: I have been reading Dave’s emails for a long time. They are reliable.

What this means is the process to order appraisals, appraisal completion using software coded for the New URAR/UAD 3.6 data base, submittal back to the appraiser client, and eventual upload to the GSE’s can now happen. However, during this phase, the legacy appraisal forms and back end processing can also be used.

But the current reality is only 2.5 appraisal software vendors and few mortgage lenders are actually able to do this new process in what was expected to be full processing by now.

Two of the software vendors apparently have their software fully coded and approved to work with UAD 3.6. The third vendor has the ‘front end’ of their software working, but some of the other internal functions are not yet included which can somewhat impede the appraisers interaction. Two of the well-known vendors, and another newer vendor do not yet have their software fully approved by the GSE’s – which is required before the lender can allow the appraiser to use those. This is a real conundrum at present.

The process of updating the appraisal inspection and reporting beyond our current legacy actions sounds simple, “on paper”, as they say. The same applies to the lender back-end systems. In actual implementation it’s a daunting process to write software to do what the GSE’s expect. And from what I’ve been told, the software vendors apparently were not fully consulted early on.

There currently are SIX appraisal software vendors independently charged with designing their software to work with the UAD 3.6/MISMO system and functionality.

The timeline from the GSE’s shows the full cut-over date to the New URAR/UAD 3.6 to be Monday, Nov. 2, 2026. Per the GSE plan, this means:

Submit 3.6 Only – November 2, 2026 – Lenders must use UAD 3.6 for all new submissions on or after this date. Revisions allowed for previously submitted

Will this date ‘hold’ throughout the mortgage lending arena? I won’t speculate because I dropped my crystal ball two days ago when I got out of my vehicle and it shattered on the pavement! It depends on all vendor software operating correctly, and all lender back end processing systems up and running properly.

dtowne@fidalgo.net

www.towneappraisals.com

Mount Vernon, WA

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URAR: Expect The Unexpected

How UAD 3.6 affects lenders

Editor’s notes: Published by National Mortgage Professional. A good look at what lenders and appraisers need to know plus comments by an appraiser, Dan Figurski.

Broad production opens January 26, 2026, when all lenders may submit the new format alongside the legacy UAD 2.6. UAD 3.6 becomes mandatory for all new GSE appraisal submissions on November 2, 2026, and UAD 2.6 will fully retire in May 2027.

WHAT THIS MEANS FOR APPRAISERS NOW: Appraisers will still be providing UAD 2.6 – the current forms. No one knows when UAD 3.6 software will be ready for appraisers to use from all vendors and when lenders will be set up for it. Change required final date to 11-2-27 or later??

Key changes include the elimination of individual form numbers, expanded and standardized field sets, updated condition and quality definitions, and enhanced data structures that improve automation, quality control, and interoperability with loan origination systems. Lenders must ensure technology readiness, update systems to support UAD 3.6, and adjust quality control processes accordingly. FHA’s adoption is expected to begin in spring 2026, extending the new format beyond GSE‑conforming business.

Appraiser comments (interview):

NMP: Are there any unexpected changes that may surprise originators?

Figurski: One change in the redesigned URAR that might catch originators by surprise is how clearly property issues will be highlighted in the new reports.

In the past, if there was a concern with a property — say a safety hazard, a structural problem, or evidence of water damage — you’d have to really dig through the report to find it. On the new reports, those issues will be front and center at the beginning of the report. Originators will know very quickly whether there are problems that could influence the transaction or collateral risk.

NMP: What are the repercussions for those who are unprepared for implementation?

Figurski: The redesigned URAR will create a lot of efficiencies for lenders, originators, and servicers, but it’s a complete overhaul of how appraisal information has been delivered in the past. The structure looks different, the way information is presented is different, and there are more details and data fields than before. Companies that aren’t updating their workflows, training their teams, or working closely with their partners to prepare for these changes will struggle to keep pace.

On the other hand, those that are putting in effort now will be in a strong position to benefit.

NMP: What other positive features have you learned about?

Figurski: Something I thought was interesting was that the new report allows appraisers to confirm whether a property has broadband internet access. Considering how heavily our society relies on the internet — whether for streaming movies, working from home, running home security systems, or even supporting smart appliances — a strong internet connection is almost as important as having electricity or running water. By formally including it in the appraisal, the redesigned URAR acknowledges how central connectivity has become to both property value and livability.

To read more, Click Here

My comments: Definitely worth reading to see what will change for lenders. Also, appraiser comments on why the internet broadband data is provided.

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HOW TO USE THE NUMBERS BELOW. Appraisals are ordered after the loan application. These numbers tell you the future for the next few weeks. For more information on how they are compiled, Click Here.

Note: I publish a graph of this data every month in my paid monthly newsletter, Appraisal Today. For more information or get a FREE sample go to www.appraisaltoday.com/order Or call 510-865-8041, MTW, 7 AM to noon, Pacific time.

My comments: Rates are going up and down. We are all waiting for rates to drop lower in 2026.

Mortgage applications decreased 8.5 percent from one week earlier

WASHINGTON, D.C. (January 28, 2026) — Mortgage applications decreased 8.5 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending January 23, 2026. This week’s results include an adjustment for the Martin Luther King Jr. Day federal holiday.

The Market Composite Index, a measure of mortgage loan application volume, decreased 8.5 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index decreased 16 percent compared with the previous week. The Refinance Index decreased 16 percent from the previous week and was 156 percent higher than the same week one year ago. The seasonally adjusted Purchase Index decreased 0.4 percent from one week earlier. The unadjusted Purchase Index decreased 4 percent compared with the previous week and was 18 percent higher than the same week one year ago.

“Mortgage rates increased for the first time in a month, and as expected, refinance applications fell by 16 percent. The 30-year fixed rate was the highest in three weeks at 6.24 percent,” said MBA’s Joel Kan, Vice President and Deputy Chief Economist. “FHA refinance activity bucked the overall trend and increased, as FHA rates remained almost 20 basis points lower than conforming rates. With rates holding in the 6 percent range, the refinance market is likely to remain sensitive to week-to-week rate movements.”

Added Kan, “Purchase applications were 18 percent higher than last year’s pace, and the average loan size stayed at its highest level since September 2025, signaling that prospective homebuyers remain active at the start of 2026.”

The refinance share of mortgage activity decreased to 56.2 percent of total applications from 61.9 percent the previous week. The adjustable-rate mortgage (ARM) share of activity increased to 7.6 percent of total applications.

The FHA share of total applications increased to 18.6 percent from 15.9 percent the week prior. The VA share of total applications decreased to 14.7 percent from 16.2 percent the week prior. The USDA share of total applications increased to 0.5 percent from 0.4 percent the week prior.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($832,750 or less) increased to 6.24 percent from 6.16 percent, with points increasing to 0.55 from 0.54 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. The effective rate increased from last week.

The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $832,750) decreased to 6.34 percent from 6.39 percent, with points increasing to 0.40 from 0.38 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from last week.

The average contract interest rate for 30-year fixed-rate mortgages backed by the FHA increased to 6.06 percent from 6.04 percent, with points increasing to 0.75 from 0.73 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

The average contract interest rate for 15-year fixed-rate mortgages increased to 5.64 percent from 5.55 percent, with points decreasing to 0.61 from 0.65 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

The average contract interest rate for 5/1 ARMs increased to 5.56 percent from 5.42 percent, with points increasing to 0.80 from 0.62 (including the origination fee) for 80 percent LTV loans. The effective rate increased from last week.

The survey covers U.S. closed-end residential mortgage applications originated through retail and consumer direct channels. The survey has been conducted weekly since 1990. Respondents include mortgage bankers, commercial banks, thrifts, and credit unions. Base period and value for all indexes is March 16, 1990=100.

 

Ann O’Rourke, MAI, SRA, MBA

Appraiser and Publisher Appraisal Today

1826 Clement Ave. Suite 203 Alameda, CA 94501

Phone: 510-865-8041

Email: ann@appraisaltoday.com

Online: www.appraisaltoday.com

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Are Appraisers Professionals?

By on July 12, 2024   /   ADUs, Appraisal Qualifications Board, liability   /   Leave a comment
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Valuing Appraiser Professionalism: A Blueprint for Survival

By Jo Traut, McKissock Learning

Excerpts: Having spent nearly three decades in the field of real estate appraisal, I’ve witnessed firsthand the evolution of our profession, particularly with respect to technological advancements. However, alongside these positive changes, I’ve also observed a troubling trend toward increased unprofessionalism. This phenomenon isn’t unique to our discipline. It’s permeated other careers, from medical professionals to teachers to business managers.

What professionalism means in the appraisal profession and how we can all work toward achieving it.

Integrity

Remain steadfast in your commitments, stay true to your word, and uphold your principles, even if this requires declining an appraisal assignment or future work with a client or their agent. By staying honest and true to your values, others are more likely to trust and collaborate with you or recommend you and your business.

Expertise

Professionals strive for proficiency in their field, continually enhancing their knowledge through education, webinars and personal development efforts. It’s not just about acquiring designations but staying informed about market dynamics, industry changes and emerging trends.

Commitment to Excellence

True professionals are prepared, which entails advance planning, dedicating sufficient time and giving proper attention to tasks. Before delivering work to clients, conduct a thorough review to mitigate potential errors. Acknowledge and address any skill gaps or lack of competency promptly and transparently, ensuring a commitment to excellence in every endeavor.

To read more, Click Here

My comments: I have always done “Remain steadfast in your commitments, stay true to your word, and uphold your principles.” I was first trained as a scientist, starting with my high school biology class. After graduation, I worked in labs for 7 years.

I have always been a professional appraiser since I started in 1975, trained at an assessor’s office to do what is in this article. I hate the word “industry” when applied to appraisers. I try to avoid using the word “industry”. Since licensing, residential appraising has become more of a “trade” than a professional career. I quit residential lender appraising in 2005. I know about the conflicts, which have been getting worse.

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Are Human Appraisers Being Phased Out?

By on September 13, 2019   /   Appraisal Foundation, Appraisal Qualifications Board, appraisal regulations, Appraisal Standards Board, bifurcated appraisals, evaluations, Fannie, fees, hybrid appraisals, lender appraisals, Mortgage applications, real estate market, rental market, Strange homes, unusual homes   /   Leave a comment
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Are Human Appraisers Being Phased Out? Federal Regulators Vote to Loosen Requirements

Excerpt: What’s that drone doing hovering over a property?

Soon that sight may be the norm on homes for sale.

The days of human appraisers may be coming to an end for homes priced under $400,000, if regulation proposed by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corp. and the Federal Reserve gets approved.
Previously, only homes valued under $250,000 could be purchased or sold without the use of a human appraiser. That threshold is potentially being raised to $400,000, opening up more business for drone-monitored and computer-generated home valuations. The vote is nearly there, awaiting expected agreement from the Federal Reserve before the regulation takes effect.

While the appraisal industry is concerned the change could negatively impact real estate at large, the brokerage side of the business predicts the threshold hike should have minimal effects on homeownership and the home-buying experience.

Comments from many sides of the issue and lots of comments by readers.

To read more, click here

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Appraising Hobbit Houses

By on April 26, 2019   /   AMCs, Appraisal Foundation, Appraisal Qualifications Board, appraisal regulations, Appraisal Standards Board, marketing, Mortgage applications, mortgage loan volume, Strange homes, unusual home, unusual homes, weird homes   /   Leave a comment
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Hobbit Houses in Charlevoix, Michigan

Just For Fun!!

Excerpts: Growing up in northern Michigan in the early 1900s, Earl Young was obsessed with boulders. Glacial boulders, to be exact-ones moored in fields, forests, and on lake coastlines across the state thanks to the slow march and retreat of glacial ice during the Precambrian age. Appraising Hobbit Houses in Michigan is a challenge.
The homes he designed will stop you in your tracks, as one did the last time I was there, passing by on a bike. Call them “mushroom houses,” “hobbit houses,” “boulder houses”; everyone has a different name for them. They’re often described concisely, if vaguely, as “organic.” Though some see Frank Lloyd Wright’s influence, they’re distinctly Young.

Fascinating! Lots of fotos and info at:
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Lord of the Rings – Hobbit houses from the movie(Opens in a new browser tab)

Hobbit House of Montana(Opens in a new browser tab)

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Women in Appraising

By on April 11, 2019   /   Appraisal Qualifications Board, Appraisal Standards Board, lender appraisals, marketing, Mortgage applications, new appraisers, trainees, USPAP   /   Leave a comment
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Women in Appraising

Karen Mann: An accidental encounter turns into a lifelong career in the appraisal industry

Excerpts: Karen Mann is a Certified General Appraiser in Discovery Bay, CA. In her 39-year tenure, Karen has made it her mission to help continue the evolution of the industry – serving on several national and local committees for both the Appraisal Institute and the American Society of Appraisers.

Karen’s success in the industry started with a fortuitous event that turned into a successful career and a lifelong friendship. Even today, she remains close to two of the mentors that helped her get started. Her leadership and activism in the industry have helped guide others just getting started, and her acceptance of technology has aided in her success.

“Becoming an appraiser has changed my world. I’ve now been in quite a few leadership roles in and outside the appraisal industry. And, I feel that I’ve had a very fortunate career. I’ve worked really hard, but for the whole 39 years (so far), it’s been an honor to be an appraiser.”

My comment: I have known Karen for over 30 years. She is a lot of fun also. I will never forget when Karen and I plus a couple of other women got on stage and dancing and doing karoke at a national Employee Relocation Conference (social event). Appraising interferes sometimes with cruising on her big power boat ;>
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Maggie Hambledon, ASB member since 2011

Maggie is president of Hambleton, Inc., a real property appraisal firm in Columbus, OH. She has been in practice for over 40 years, specializing in the valuation of residential properties, with an emphasis on litigation support.

She got started by Sheer luck. “I answered an ad to work as an assistant for an appraisal department in a corporation.  The luck was I had two pioneer male appraiser mentors who believed in upward mobility and this was in 1968! I was able to learn from the time a potential assignment was logged in through the entire process and to travel to other states to participate in large multi-property appraisal assignments.”

https://www.appraisalbuzz.com/international-womens-month-part-3/

My comment: How did I get started? After 7 years I was bored working in labs, started when I graduated from college. In 1975 I saw an ad for “Engineering Aide” at the county’s assessor’s office. It said “work in the field” (verifying county records before switching to automated valuation). Previously I worked on the 1970 census in the field and really liked it. I had never heard of appraising and got an appraisal book at the library. Have been appraising ever since!

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Appraiser conflict: objective/impartial vs. what clients want

By on September 27, 2018   /   adjustments, appraisal how to, Appraisal Qualifications Board, appraisal waivers, commercial appraisal, Fannie, george dell, mortgage loan volume, real estate market, unusual homes   /   Leave a comment
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Do You Have Two Appraiser Brains?

By George Dell
Excerpt: One appraiser brain says you must be “independent, impartial, and objective.” (USPAP) It wants to be good. It wants integrity and to sleep peacefully at night.

But there’s another brain. It’s primal and wants to survive. It has other responsibilities: meet the bills, feed the family, pay the mortgage, and pay government taxes/fees. And recorded in this brain is that part of the standards which say: Do what your clients expect; do what everyone else does. As paraphrased, the sole guides to an acceptable scope of work.

Worth reading. Short. Plus the comments.

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5-17-18 Newz//New Fannie Forms. Appraisal Waiver saves up to 2 weeks. Golden State Killer House Survey

By on May 17, 2018   /   adjustments, appraisal how to, Appraisal Qualifications Board, appraisal waivers, hybrid appraisals, real estate market, unusual home, unusual homes   /   Leave a comment
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$1 listing prices

Excerpts: A $1 house listed in Edmond, OK, has stirred up a huge hubbub among home buyers, home sellers, real estate agents, and others: Come on, is that even real? There must be a catch.

In other words: After less than a week, the home is under contract. While Hukill won’t share specifics until the deal is officially done, he says, “we ended up a little bit above what the sellers initially thought they’d get.”

Which begs the question: Should more home sellers consider pricing their home at $1?

My comment: interesting discussion of the pros and cons.

Appraisal Waivers save up to 2 weeks time

From Fannie Mae’s May 15 2018 Selling News
Save your borrowers time and money with a PIW

Did you know that a property inspection waiver (PIW) can save you up to two weeks in loan cycle time while saving your borrower the expense of an appraisal? A PIW can both reduce costs and shorten the loan origination process by eliminating the need to obtain and review an appraisal, removing the chance of any appraisal-related delays.
Exercising a PIW offer will also give you Day 1 Certainty®, freedom from reps and warrants on property value, condition, and marketability. Learn more about these benefits and more on the PIW page.
My comment: And I was thinking that Hybrid Appraisals were a big market… No way to beat No Appraisals…

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4-12-18 Newz//What’s a Comp? Multiple offers way over list. Rotating House

By on April 12, 2018   /   adjustments, AMCs, Appraisal Foundation, appraisal how to, Appraisal Qualifications Board, Fannie, fees, forecast, lender appraisals, listings, Mortgage applications, real estate market, Strange homes, unusual home, unusual homes, weird homes   /   Leave a comment
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Advertise with us. Very reasonable rates!

What’s a comp?

 
By George Dell, MAI, SRA

Excerpts: Our education tells us a comp is similar and competitive. So how do we measure “comparability”? If our job entails studying market data to get an answer … might it be important to know exactly how to describe a comp?

So what’s the issue? Why should we care? I am a highly trained expert. I have a license. “Trust me. I know a good comp when I see one.”

My comments: George is writing a longer article than his blog posts for the May issue of the paid Appraisal Today. I often wish his blog posts were longer, but they are designed to be short ;>

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7 Strange home remodeling projects for appraisers

By on April 5, 2018   /   adjustments, Appraisal Foundation, Appraisal Qualifications Board, appraisal waivers, appraiser shortage, data, evaluations, lender appraisals, Mortgage applications, mortgage loan volume, new appraisers, real estate market, rental market, state appraiser regulators, Strange homes, trainees, unusual home, weird homes   /   Leave a comment
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7 Strange home remodeling projects for appraisers
Excerpt: There’s a huge difference between decorating for your own pleasure and spiffying up your home to sell. If you’re staying put and pining for a purple bathroom, go for it! The resale value of your eclectic tastes don’t apply.
3. Too much purple or yellow
4. Too much cold white
7. A statement door that makes too much of a statement
To see all of them plus photos and details click here:

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