On November 2, the appraisal report changes shape for the first time in over fifteen years. UAD 3.6 — the Uniform Appraisal Dataset behind the redesigned URAR — does not change how your home gets valued. It changes how it gets written up. Chris Aumente has been appraising since 1987 and has run his own firm in Palm Beach County since 1995. He's also building his first sample reports on the new form right now, so he isn't describing it. He's doing it. **Both handouts from this session, plus the longer write-up:** https://www.cp-mtg.com/uad-3-6-new-appraisal-report/ **WHAT CHANGES** • It is not a new way to value property. Chris said that four times, because it's what people get wrong. The valuation logic is untouched. The reporting is what changed. • Free-text comments become fixed data fields. "Updated," "renovated" and "remodeled" go away. His reason: renovated to one person is a new faucet and fresh paint. To another it's down to the studs. • Components get rated one to six individually — interior, exterior, and the pieces inside — instead of one grade for the whole house. • One dynamic web-based report replaces five forms: single-family, condo, co-op, vacant land, manufactured. It morphs to the property, so "order me a 1073" stops being a sentence. • Two new categories of field: disaster mitigation and green features. Hurricane straps, shutters, impact windows, solar and whether it's owned or leased — with photos, not a note. **THE NUMBERS** • 6 pages of analysis becomes 14 to 22. • November 2, 2026, mandated by Fannie Mae and Freddie Mac. • Report-writing goes from 2-3 hours to 5-8, on his estimate. • A residential appraisal runs about $500 today, $350 to $550 across the market. What he hears appraisers discussing for the new report is $750 to $1,000 — his read on his industry, not a quote and not our fee schedule. • The average US appraiser is 54 to 57 years old. **WHAT A LISTING AGENT CAN DO NOW** • Fix the MLS listing. If it's a condo it says condo. If it's manufactured it says manufactured. • Stop writing "renovated." Write new appliances, new flooring, new countertops, and when. • Pull the permits and the certificates of occupancy before anyone asks. • Give the appraiser the four-point, not the home inspection. The four-point has the hurricane-strap photos and saves him the attic. The home inspection tells him about the pipe he didn't see and now has to report. • Bring the survey and the floor plan. A survey matching the building as it stands today is genuinely useful. One showing 1,000 square feet on a 4,000 square foot house is not. • Call your past clients once a year. "Hey, I'm updating our property records." Memories fade — the bathroom someone thinks they did two years ago was eight. **ONE CAVEAT, FROM THE RECORDING** Big changes have been pushed before when the industry wasn't ready, and Chris's own software can't import a sketch yet. Everything here is built on November 2 because that's the mandated date today. If it moves, we'll tell you. **Got a file you're not sure about?** Send us the real numbers and we'll tell you honestly what this does to your timeline. (954) 271-2024 · cp-mtg.com Capital Partners Mortgage Services, LLC · NMLS #2332376 · Craig Garcia, NMLS #653593 · Equal Housing Opportunity · NMLS Consumer Access: www.nmlsconsumeraccess.org Educational only; not legal, tax or appraisal advice and not a commitment to lend. Page counts, timing and fee figures are as stated by our guest on September 17, 2026 and are his own. The November 2, 2026 date is set by Fannie Mae and Freddie Mac and is subject to change. Chris Aumente is an independent appraiser, not affiliated with CPMS; his opinions are his own and not endorsements by CPMS. Appraisers independently determine scope of work and the opinion of value; CPMS does not attempt to influence an appraiser's value conclusion. All loans subject to credit, property, appraisal and program approval.
