Appraisal Review
Every appraisal checked against UAD 3.6, its comparables and agency rules before anyone relies on the value.
Why it matters
Reviewers check comps, adjustments, age and property facts by hand; the move to the redesigned URAR under UAD 3.6 changes every field they look at.
How the solution handles it
A reader extracts the appraisal into structured fields. Checkers test comparables and adjustments, agency rules and appraisal age, and match the property to title and contract. A writer drafts the review memo; the collateral underwriter accepts it or orders a review.
How an appraisal moves
Five agents read the appraisal, test comps and adjustments, check agency rules and title, and draft the memo; a collateral underwriter accepts it.
What it reads, and what it hands back.
What goes in
- Appraisal report (URAR, UAD 3.6 / 2.6)
- Form 1004D update
- Title commitment and purchase contract
- AVM and prior sales data
- Collateral Underwriter / LCA findings
What comes out
- Cited appraisal review memo
- Comparable and adjustment exceptions
- Age and update check against the note date
- Reconsideration-of-value draft if needed
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
then a 1004D update
Sources: Fannie Mae Selling Guide B4-1.2-04 (appraisal age) · Fannie Mae / Freddie Mac UAD 3.6 mandate, 2 Nov 2026 · “Target” = design goal, measured in the live solution · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
A full loan package classified, split, extracted and bookmarked, every field cited to its page.
Income CalculationWage, self-employed and rental income calculated to agency rules, every figure traced to its page.
Condition ClearingEvery PTD and PTF condition matched to the document that clears it, the same day it arrives.
Build this
for your team.
We’ll show Appraisal Review running on your own documents.