FHA Lowering Requirements

[Non Sequitur]

In any case, removing the comp photo requirement is a slippery slope. IMO we are about half-way down that slope and will hit the bottom after UAD 3.6 is mandatory. For anyone who hasn't noticed, the requirement to "inspect each of the comparable sales from at least the street" (and a whole bunch of other stuff) has been removed from the pre-printed Scope Of Work/Certs. Just don't expect to be paid the same for less.

 

[gregb]

I expect to be paid more for the UAD 3.6, while still inspecting the comparables from at least the street.

 

[Non Sequitur]

I expect to be paid more for the UAD 3.6, while still inspecting the comparables from at least the street.

There's always hope.......

 

[Tom D]

I think the FHA word police would get you for calling it a landing. It is not in their approved official list of outdoor amenities.

Hmmm, you could be correct. How about door entry pad. Or is door a racist word, some people might not have one. Like our outdoor neighbors.

 

[Tom D]

There's always hope.......

Not in the long run. The appraiser business is in pre foreclosure now.

 

[Trihard]

I expect to be paid more for the UAD 3.6, while still inspecting the comparables from at least the street.

There is an AMC that I used to work for and they used appraiser fees against each other. So when you would ask for an increase per assignment they would say "there are other appraisers in the area that charge $400 for the report, so we can't raise your fee." Meanwhile I'm sure they are telling the other appraisers that my fee is also $400 and they can't raise their fee's. AMC's are the scum of the earth.

 

[Sadie]

Hmmm, you could be correct. How about door entry pad. Or is door a racist word, some people might not have one. Like our outdoor neighbors.

True, maybe entry portal facilitator?

 

[Fritz in NY]

The AMC cubical dwellers do not have any License, or ethics to abide by. They have nothing to lose other than not meeting expectations/performance. Just think about that when you engage. BTW, a few years ago, I had a stip request from a UW, that person did not exist! I thought it was one of the stupidest stips I've seen, so I researched the name and they seem to have been "made up". We really have no idea who or what is dealing with our reports.

 

[Sadie]

The AMC cubical dwellers do not have any License, or ethics to abide by. They have nothing to lose other than not meeting expectations/performance. Just think about that when you engage. BTW, a few years ago, I had a stip request from a UW, that person did not exist! I thought it was one of the stupidest stips I've seen, so I researched the name and they seem to have been "made up". We really have no idea who or what is dealing with our reports.

Some companies are now using AI.

 

[gregb]

FHA selling out-

FHA INFO 2025-42 August 27, 2025
________________________________________
FHA’s Upcoming Adoption of the Modernized Uniform Appraisal Dataset 3.6
Today, the Federal Housing Administration (FHA) is pleased to announce its adoption of the modernized Uniform Appraisal Dataset (UAD) 3.6 beginning early Spring 2026. Following collaboration with the Government Sponsored Enterprises (GSEs), and the Department of Housing and Urban Development’s (HUD) investment in the FHA Catalyst platform during the first Trump Administration, the implementation of this industry-wide initiative will preserve FHA’s alignment with the industry and strengthen its collateral risk management capabilities.
The new UAD 3.6 Uniform Residential Appraisal Report (URAR) will replace the current GSE appraisal forms with a single, data-driven, dynamic appraisal report for all residential property types. FHA systems, including the Electronic Appraisal Delivery (EAD) portal, are currently being updated in preparation for the optional Spring 2026 availability for early adopters.
What you need to know:
• In Spring 2026, FHA systems will be updated and ready to support optional deliveries of UAD 3.6 for FHA cases.
• A timeline of the transition plan, updated policies, and technology specifications will be announced later this year.
• The transition period will allow for the delivery of both the current UAD 2.6 and the new 3.6 format.
• FHA is committed to providing stakeholders with reasonable time to develop, test, and prepare their technology solutions before mandatory adoption, recognizing that a longer timeframe is essential to accommodate required technology updates.
FHA roster appraisers need to prepare for this implementation and are encouraged to engage with their appraisal software providers as early as feasible.