Originating & Underwriting


To help make prudent underwriting decisions, mortgage lenders rely on appraisers to provide thorough, accurate, and objective appraisal reports for reliable opinions of market value.

The appraisal is used to judge the property’s acceptability for the mortgage loan requested in view of its value and marketability.


Appraiser Update September 2020

In the September 2020 edition, we focus on the new 1004 Desktop and the 1004 Hybrid, as well as clarification on appraising homes with solar panels and energy-efficient improvements. We also share some data on appraisal assignment volume and appraiser workload, reflecting the incredibly busy year appraisers have had. 

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What's New

Selling Guide Update:
Special Property Eligibility Considerations  
Improvements Section of the Appraisal Report

Updates include a more specific definition, manufactured homes as ADUs, and a simplified appraisal process.

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We're Here to Help

View the latest updates to Lender Letter 2020-04 and our COVID-19 Selling FAQs.

Find these and other COVID-19 resources on our Here to Help site. 

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Appraiser Careers

Fannie Mae is partnering with industry stakeholders to encourage new entrants to the residential appraisal field.

Appraiser Careers Fact Sheet

Appraisal Diversity Pipeline Initiative

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Use this form to share what’s on your mind, submit feedback, and ask questions about appraisal topics.

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UAD Overview

Uniform Appraisal Dataset (UAD) 

The UAD is a component of the Uniform Mortgage Data Program® (UMDP®), jointly established by Fannie Mae and Freddie Mac under the direction of the Federal Housing Finance Agency to provide common requirements for appraisal and loan delivery data.