Fannie now has a 3.6 tips sheet.

[Surf Cat]

Just in case anyone wants to know the actual level of detail required for roof age

View attachment 105576

You just know that stating the roof was installed more than 20 years ago is like calling the Subject C5 in condition. The ROV's would come at your inbox faster than the updates needed for Windows 11.

 

[Fernando]

You just know that stating the roof was installed more than 20 years ago is like calling the Subject C5 in condition. The ROV's would come at your inbox faster than the updates needed for Windows 11.

I bought my rental in 2008 (bad timing) and I never had to replace the roof. Still looks good.
The quality is better than most roofs so I hope it will last another 10 years.

 

[Bobby Bucks]

They're not.

I encourage the GSE's to get home inspections on all of these properties.

Let's call it what it is - guess the age. You can't guess an age of the roof. I've seen 2 year old roofs under trees that look like it needs replaced. And I've seen 20 year old roofs in the open that look brand new.

I suspect like most other things in this profession, the folks that make this **** up are on the take. Maybe roof companies have offered them money to get lists of homes that might need a new roof.

I put nothing past these folks.

I'll be putting N/A on most of these fields. That's what you can do when you're independent.

It’s nearly always a guess. I know a roofing contractor very well and whenever we get together we discuss work. He is amazed we are expected to estimate the condition of a roof from the yard. He tells me he has estimates where he, a partner and members of his crew all have different opinions of a roof’s condition while standing on the roof and it’s their line of work. It’s always a range. We on the other hand have the luxury of property data inspectors with advanced degrees in UAD giving us a single point effective age of roofs.

 

[Sadie]

I would think so. Or at least leave blank.

I don't think you can leave it blank

 

[sputnam]

How can we compare ceiling height or coffered ceilings to comps? What is the end game of these details of subject?

We can't... unless that data is available. I think that in the hysteria a lot of appraisers are misunderstanding what 3.6 is. 3.6 doesn't apply to the appraisal. It applies to the appraisal report. The appraisal report has and is changing. It requires additional data.. FOR THE SUBJECT. It does not require that appraisers make adjustments for every difference between the subject and the comparables sales.

For a roof, you do what appraisers have always done... or supposed to have done... you estimate the remaining life of structural components. If you can ask the property owner 'when was the roof replaced?', and they know, you state 'according to the property owner the roofing was replaced 7 years ago'.

 

[Sadie]

So many of the new requitements do not directly translate into what would be considered by market participants. "Oh gee, I can't buy that house, the front door is 1' above grade. Or the volume of that house is such that I am paying 10% less than the other homes in this market. Its ludicrous and a thinly disguised attempt to get as many appraisers out of the business as possible so they (GSEs) can claim there is an appraiser shortage and remove the requirement for an appraiser to even more mortgage loans.

 

[Non Sequitur]

Another 3.6 tips sheet from from FB.

Merry Christmas!

 

[Steve Forstner]

Looks pretty simple with what they are asking. I have attached it.

Appraiser Update​

Periodic updates for residential appraisers serving Fannie Mae customers
Welcome to the Q4 2025 Fannie Mae Appraiser Update.

The Inspection and Reporting Tips for Appraisers document highlights the notable differences between UAD 2.6 and UAD 3.6, offers inspection tips and reporting tips for specific sections of the 3.6 report, and points the reader to relevant sections of Appendix F-1: URAR Reference Guide. Being only four pages long, you can print this resource and bring it with you when you observe a property.

All of this and when I ask for the fee to go up the answer will still be "nope."

 

[Alsie35]

Looks pretty simple with what they are asking. I have attached it.

Appraiser Update​

Periodic updates for residential appraisers serving Fannie Mae customers
Welcome to the Q4 2025 Fannie Mae Appraiser Update.

The Inspection and Reporting Tips for Appraisers document highlights the notable differences between UAD 2.6 and UAD 3.6, offers inspection tips and reporting tips for specific sections of the 3.6 report, and points the reader to relevant sections of Appendix F-1: URAR Reference Guide. Being only four pages long, you can print this resource and bring it with you when you observe a property.

Tom, you volunteered to be the guinea pig for the 3.6 Abomination software testing ... any updates for us on this endeavor?

 

[Tom D]

Tom, you volunteered to be the guinea pig for the 3.6 Abomination software testing ... any updates for us on this endeavor?

I crashed after 10 minutes doing a few questions. My head start screaming no, no, noooo. I think for my look alike city row homes, i could make a very limited template. The problem is that you still have to look at every question, in case something is different. With a real template, you're gonna miss something.

But you can do a light template, you just won't have a button to clone it, but there is a workaround. You would have to open your template, then save it as another file number. I think rural people can't do any template.