Beth Graham Appraisals

Supporting our profession and consumer protection!

Real Estate Agents & Brokers

The Appraisal Process is Changing.

Great information for agents to know for the new 3.6 appraisal report.

https://remdamno557947.substack.com/p/real-estate-agents-and-brokers?utm_campaign=post-expanded-share&utm_medium=web

Valuation Nation | Substack Woody Fincham, SRA, AI-RRS, RAA, is a Virginia-based appraiser, AI-approved instructor, and principal of Fincham & Associates. With 25+ years of experience, he specializes in complex residential valuation. Click to read Valuation Nation, a Substack with hundreds of subscribers.

Great line up for CE on October 7th in Lansing! All are welcome to join us!

Great Lakes Chapter of the Appraisal Institute Educational Offerings with Maureen Sweeney as our instructor 👏

Approved for Appraisal and Assessor CE

Register for both classes on October 26 and save https://ai.appraisalinstitute.org/eweb/Dynamicpage.aspx?webcode=AIBundle&BundleCode=CGLAKE-2026-0007

Register for both classes on October 27 and save https://ai.appraisalinstitute.org/eweb/Dynamicpage.aspx?webcode=AIBundle&BundleCode=CGLAKE-2026-0008

Dear Members and Friends:

If you click on the buttons above, you can save 10% on your registration. You have to go through the registration process to see the savings. Or you can register for classes individually by just clicking on the name of the class below.

If you need assistance, please contact the Appraisal Institute by support ticket or by phone at 888-756-4624.

We look forward to seeing you soon for these important UAD classes!

Supporting Adjustments and Reporting the Sales Comparison Approach in the New URAR

October 26, 2026 9:15 am – 12:15 pm

Approved for 3 hours

The new Uniform Residential Appraisal Report (URAR) challenges appraisers to deliver a report in a confident manner to clients with a credible analysis that meets the minimum reporting requirements of the Government-Sponsored Enterprises (GSEs). The new URAR requires that support for adjustments be included directly in the appraisal report, so residential practitioners need to understand the expectations of the GSEs and underwriters around these topics.

Supporting Adjustments and Reporting the Sales Comparison Approach in the New URAR is a three-hour program that focuses on an effective manner of developing and supporting the sales comparison approach section of the new URAR. Case studies will represent real-world residential appraisal valuation problems and the multiple qualitative and quantitative ways that each of the major adjustments in a residential sales grid can be supported. Since the applicable and appropriate techniques for any specific adjustment usually produce some variation in the indicated contributory value, the art and science of reconciliation will also be emphasized through repeated application. The program will be valuable for residential appraisers to strengthen their proficiency in both the sales comparison approach and in supporting the adjustments used in the sales grid. The program will also be valuable for reviewers of residential reports.

Reporting Market Analysis and Better Understanding the New URAR

October 26, 2026 12 pm – 5 pm

Approved for 4 hours

The new Uniform Residential Appraisal Report (URAR) challenges appraisers to deliver a report in a confident manner to clients with a credible analysis that meets the minimum reporting requirements of the Government-Sponsored Enterprises (GSEs). Unlike the existing 1004 report form, the new URAR places more emphasis on supporting and reporting a thorough market analysis for the subject property. In the past, appraisers often kept the market analysis support in the workfile. Going forward, support is expected within the appraisal report.

Reporting Market Analysis and Better Understanding the New URAR is a four-hour program that focuses on lending assignments for residential properties using the new URAR. Appraisers who are not well versed in completing a thorough and credible market analysis will find this program to be most helpful. The program will also be a good refresher for the experienced appraiser and the reviewer of residential reports.

Analyzing Defects, Damages, and Deficiencies in the New URAR

October 27, 2026 9:15 am – 12:15 pm

Approved for 3 hours



Analyzing Defects, Damages, and Deficiencies in the New URAR is a three-hour program that provides a comprehensive review of the defects, damages, and deficiencies sections of the new URAR. Participants will gain a thorough understanding of how to identify, analyze, and document various property issues that can impact the value and marketability of residential properties. The program covers the definitions and distinctions between damages, defects, and deficiencies, along with practical techniques for analyzing these issues. Additionally, learners will explore the implications of these property conditions on appraisal assignments, including legal and ethical considerations. By the end of the program, participants will be equipped with the knowledge and skills necessary to accurately report and address property damages, defects, and deficiencies in accordance with industry standards.

Analyzing and Reporting the Income Approach in the New URAR

October 27, 2026 1 pm – 5 pm

Approved for 4 hours

The new Uniform Residential Appraisal Report (URAR) includes an income approach section that may present specific “problem” areas in the reporting of 2-to-4-unit properties. Specifically, the practitioner may be confused given the different manner in which property characteristics and market area characteristics are defined, described, and analyzed.

Analyzing and Reporting the Income Approach in the New URAR is a four-hour program. Using practical case studies, this program will allow residential appraisers to enhance their proficiency with the income approach as reported in the new URAR, whether they have plentiful market data, very little market data, or confusing market data. Appraisers who are not well versed in completing a thorough and credible income approach will find this program to be most helpful. The program will also be a good refresher for the experienced appraiser and the reviewer of residential reports.

https://realtors.zoom.us/webinar/register/WN_yoglNfGIQuS7PlVNsDTKtQ?utm_source=Iterable&utm_medium=email&utm_campaign=adv_26_appr-and-val_SYV&narmail=SupportingYourValues1Oct2025&date=08-14-2026&user=1140819&itid=19373297&audience=appraiser

https://mmla.starchapter.com/meetinginfo.php?id=625&ts=1784046622

$25 webinar on the 3.6 appraisal reporting requirements.

Lunch & Learn Webinar - Fannie and Freddie Presentation and Discussion on UAD Join us for our 4th webinar in the Lunch & Learn Series about UAD!

https://share.google/BEFLGnKxJFoxQgPLZ

Please listen to Peter Gallo and Leigh Brown discuss the new 3.6 appraisal report. 9 am today 8/6.

The New Appraisal Rules Every REALTOR® Needs to Know | Peter Gallo & Leigh Brown The appraisal process is changing, and every REALTOR®, appraiser, l...

There is so much to learn about the 3.6 dynamic appraisal report that Fannie & Freddie will make mandatory November 2026. Some appraisers are completing a few now, software is still being tweaked, some are learning and some have no idea what’s coming or will choose to retire.

I’ve been trying to get courses related to this new requirement with strong opposition from local providers thinking it’s too costly to provide education on this topic, comments from agents saying we really don’t care about appraisals and those that say just let artificial intelligence take over.

I’ve linked Leigh’s podcast which may enlighten agents as to what may happen come November. There is a lot to learn for all Realtors (which includes appraisers and agents).

I’d also recommend to agents to learn what they can do to protect their sellers property from the collection of big data!

Are We Asking the Wrong Questions? | This Week's Housing Headlines Sometimes the biggest problem isn't the answer.It's the question....