Appraisals Are Changing: What REALTORS® Need to Know Before November 2, 2026What UAD 3.6 changes, what it does not change, and how listing and buyer agents should prepareBy Danny Frank, The Pearland Real Estate Expert Research current as of August 31, 2026If you spend enough time in real estate, you learn that every major industry change brings two things: legitimate questions and a whole lot of rumors.The appraisal changes coming this fall are no exception.I have heard agents ask whether appraisers will suddenly value homes differently on November 2. Some worry that appraisals will take longer, cost more, or come in lower. Others have heard that artificial intelligence is taking over or appraisers are about to disappear.Let's slow down.There is a major change coming, and REALTORS® need to understand it. But November 2, 2026, is not the day the definition of market value changes. It is not a universal deadline for every appraisal in America. And it is not proof that appraisers will automatically become more conservative.What is changing is the way many residential mortgage appraisals are structured, documented, transmitted, and reviewed.The new system is called UAD 3.6, which stands for Uniform Appraisal Dataset. It works with a redesigned Uniform Residential Appraisal Report, or URAR. For covered Fannie Mae and Freddie Mac loans, familiar appraisal form numbers will give way to a more flexible, data-driven report.That may sound like an appraiser-and-lender issue. In many ways, it is. But it will reach our transactions. Property facts, measurements, additions, accessory units, renovations, concessions, comparable sales, financing deadlines, and reconsideration requests can all become part of the conversation.My goal here is not to scare agents. It is to help us prepare.The five-minute briefingIf you remember nothing else, remember these five points.November 2 is tied to the initial submission of the appraisal report. UAD 3.6 becomes mandatory for new appraisal reports initially submitted to the Uniform Collateral Data Portal, or UCDP, on or after November 2, 2026. It is not triggered by the contract date, loan-application date, appraisal inspection date, or appraisal effective date.Old reports do not all disappear overnight. If a UAD 2.6 report was successfully submitted before November 2, lenders may continue submitting revisions to that existing report through May 3, 2027.This is primarily a Fannie Mae and Freddie Mac mandate. The government-sponsored enterprises, often called the GSEs, created the mandate for covered appraisals submitted through UCDP. Do not automatically apply the same date to FHA, VA, USDA, jumbo, portfolio, or private appraisal assignments.The report is changing more than the valuation theory. Appraisers will still be responsible for developing a credible, independent opinion of market value using appropriate market evidence and professional judgment.Agents do not receive a new federal appraisal form to complete. Our responsibility is operational: better information, better preparation, better contract strategy, and better deadline management.Those dates and transition rules are confirmed in the joint Fannie Mae and Freddie Mac UAD 3.6 Frequently Asked Questions, updated August 18, 2026.Where residential appraisal practice stands todayBefore we talk about where we are going, it helps to remember where we are.In a financed purchase, the lender determines the valuation required and engages the appraiser, sometimes through an appraisal management company. The appraiser researches the property and market, completes the required inspection or data review, analyzes comparable sales, and develops an opinion of value. The lender reviews the report for collateral and underwriting.Each person has a different job.The appraiser develops the independent value opinion.The lender determines what valuation product is required and whether the property satisfies underwriting requirements.The appraisal management company, when one is used, helps manage engagement, communication, delivery, and quality-control workflow.The listing agent is often the best source for property history, renovations, marketing activity, contract facts, and neighborhood sales.The buyer agent helps the buyer evaluate the price, understand appraisal risk, protect contractual choices, and decide what to do if the appraisal creates a problem.An appraisal is also not a property inspection. The appraiser may identify visible conditions that affect value, marketability, safety, soundness, or lender eligibility. But the appraisal does not replace the buyer's inspection, and it does not guarantee the property's condition.The traditional process has real pain points. Legacy forms use fixed property types and layouts. Complex details often end up buried in addenda. Lenders may search narrative comments for an explanation connected to one field. Unusual properties do not always fit neatly into a familiar box.The redesign aims to make information more structured and usable. It does not remove the need for a competent appraiser who understands the property and market.What actually changes on November 2The easiest way to understand UAD 3.6 is this: the property and assignment will drive the report instead of the appraiser choosing from a collection of familiar form numbers.Under the legacy system, agents regularly hear terms such as Form 1004, 1073, 1025, 1004C, or 1004D. Under UAD 3.6, the redesigned URAR uses one flexible structure that can adapt to different residential properties and scopes of work.The joint GSE FAQ says the retired forms are being replaced by a single data-driven, flexible, dynamic reporting structure. The new system also separates the Restricted Appraisal Update Report from the Completion Report instead of combining those functions into the old 1004D/442 process.Here is the practical difference.Legacy approachUAD 3.6 directionWhy agents should care

Fixed forms for different property types	Dynamic report driven by the assignment and property	Reports may differ in length and visible sections
Many abbreviations and free-form comments	More standardized, structured data	Property facts can be easier for lenders to compare and validate
General addendum for explanations	Commentary fields tied to specific sections	Explanations may be easier to locate
Simplified property-area reporting	More detailed classification of finished areas	Additions, lower levels, and nonstandard spaces may receive closer attention
Limited structure for accessory improvements	More organized reporting for ADUs and outbuildings	Guest quarters, workshops, garage apartments, and similar improvements need accurate documentation
Familiar numbered forms	Form numbers no longer drive the assignment	Agents and consumers must learn a different report presentation

The redesigned report can capture more detailed information about the site, dwelling, units, rooms, finished areas, kitchens, bathrooms, condition, quality, updates, roof, garages, accessory dwelling units, outbuildings, conversions, and comparable properties. The exact fields will depend on the property and assignment.Some information is genuinely new or more structured. Some reflects work appraisers should already be doing but reporting differently. We should not market every line as a brand-new appraisal rule.Broad production began January 26, 2026. The November mandate ends the option to submit a new UAD 2.6 report through UCDP for covered GSE work; a late legacy submission receives a fatal message and unsuccessful status.That is why lender readiness matters. The date is based on the first UCDP submission, and there is no benefit in waiting until the last minute to discover that a lender, appraisal vendor, or software workflow is not ready.What November 2 does not changeThis is where we need to be especially careful.UAD 3.6 does not change market value, require the appraiser to match the contract, AVM, appraisal district, or CMA, direct lower values, eliminate comparable analysis, or let agents influence the result.The Fannie Mae Appraiser Independence Requirements continue to protect the appraiser's objectivity and impartiality. Fannie Mae also confirms that real estate agents can be valuable sources of information and that communication with an appraiser is not automatically prohibited. What is prohibited is an attempt to influence the development, reporting, result, or review of the appraisal.In plain English, we can provide facts. We cannot provide pressure.November 2 also should not become a catchall date for every other change happening in valuation.Appraisal waivers, desktops, hybrids, property data collection, automated valuation models, artificial intelligence, ANSI measurement requirements, and professional standards are related developments. They are not all one UAD 3.6 rule.UAD 3.6 supports traditional, desktop, hybrid, and exterior assignments, but the lender and loan-program policy determine which product may be used. Fannie Mae Value Acceptance and Freddie Mac's Automated Collateral Evaluation can allow eligible loans to proceed without a traditional appraisal report. An agent should never promise that a waiver will be available or remain available.Does the same deadline apply to FHA, VA, USDA, jumbo, and portfolio loans?No. We cannot assume that.The joint GSE report was designed to accommodate agency-specific requirements, but each government agency controls its own implementation plan.On June 25, 2026, FHA reported that beta testing was underway and said optional and mandatory dates would be announced later. That is not a verified November 2 FHA mandate. See the FHA UAD 3.6 transition update.VA and USDA also control their own implementation and policy requirements. Jumbo, portfolio, credit-union, and private appraisal assignments can be governed by lender or client instructions that differ from the GSE process.Here is the question agents should ask the lender:What valuation product and appraisal standard will apply to this specific loan, and is your appraisal process ready for the transition?That is much better than asking, "Are you ready for the new appraisal rule?" The more specific question produces a more useful answer.What this may mean for appraisersI think agents need to consider the appraiser's side of this transition. Why? Because appraiser readiness becomes transaction readiness.Appraisers must learn new software, data fields, terminology, and reporting logic. They may change how they prepare for an inspection and organize information at the property. Independent appraisers and small firms must do this while completing current assignments and running their businesses.That can create a learning curve.Confirmed requirement: Appraisers completing covered UAD 3.6 assignments must deliver the report through the new data structure and comply with applicable GSE policy.Evidence-supported expectation: Some appraisers expect early assignments to require more time, especially while they are learning software and adapting their inspection and reporting workflow.Unresolved question: Whether average fees and turnaround times will rise, by how much, and for how long will be decided by actual market behavior. There is no official rule requiring a universal fee increase.A 2026 Working RE survey offers a useful practitioner snapshot. The survey ended March 15 and included 1,798 respondents. At that time, only 55 respondents said they had completed a UAD 3.6 appraisal, 58 percent had not completed the seven-hour training course, and 64.29 percent said they planned to increase their fees for UAD 3.6 assignments.Those numbers deserve attention, but they captured intentions and readiness early in the transition. They did not prove that lenders would accept higher fees or that every market would experience delays. Treat the survey as a practitioner perspective, not a universal forecast.There are opportunities, too. Structured information may reduce repetitive explanations, improve complex-property reporting and lender review, and prevent some revisions. Separate short-term disruption from possible long-term efficiency.The listing agent's strategy: price to lead, document to defend, prepare to appraiseNow let's get to the part agents can control.I understand the phrase "fight a low appraisal." I have used it myself. But our job is not to fight an appraiser simply because we dislike the number. Our job is to fight bad data, missing facts, weak comparable analysis, and preventable misunderstandings.The first defense begins before the sign goes in the yard.Start with a defensible priceThe appraiser does not begin with our list price and work backward. Neither should we.A strong listing analysis starts with relevant closed sales, then studies what is active, pending, withdrawn, expired, and terminated. Closed sales show completed buyer behavior. Active listings show current competition. Withdrawn and terminated listings can show what the market rejected.Analyze the whole market and narrow it thoughtfully by competing area, size, story count, rooms, lot, age, condition, garage, pool, location influences, days on market, financing, concessions, and sale date.Do not reduce the analysis to price per square foot. Do not cherry-pick the three highest sales. And do not invent dollar adjustments because someone once told you a pool is always worth a certain amount.Fannie Mae's comparable-sale requirements do not create a rigid one-mile rule. The best comparable may be older or farther away when it is more similar and the appraiser explains its use. At least three closed comparables must be reported, with listings or contract offerings used as support when appropriate.This is where my Danny's Way CMA Coach for Listings 3.6 fits into the process. It helps the listing agent study the market, reconcile competing evidence, and establish a defensible pricing position.It is not an appraisal. It is not a guarantee. It is a disciplined CMA process.My principle is simple:Price to Lead. Document to Defend. Prepare to Appraise.Complete a property-fact auditBefore the listing is published, verify the information the market will rely on.Living area and the source of that measurementLot sizeBedroom and bathroom countGarage, carport, and parkingPool, spa, generator, or solar equipmentAdditions and converted areasAccessory dwelling units or guest quartersWorkshops, barns, sheds, and other outbuildingsRoof age when known and documentedRenovations and major repairsPermits when applicablePrior sales and listing historyFlood, storm, foundation, or other material property history disclosed by the sellerIf the appraisal district, MLS, survey, floor plan, builder plan, or seller records disagree, identify the difference and gather the best documentation.This will be particularly important around Pearland, Friendswood, Alvin, and Manvel. We see older homes with additions, newer master-planned communities, acreage, workshops, garage apartments, converted garages, custom properties, pools, and improvements completed over many years. Those properties do not always fit neatly into a one-line MLS description.Build an improvement historyCreate a simple record showing:What was completedApproximately when it was completedWhether permits, invoices, warranties, plans, or photographs existWhether the work was maintenance, repair, replacement, or renovationA new roof may protect condition without adding its full cost to value. A $60,000 kitchen does not automatically add $60,000. Cost and value are different.Documentation explains the property. Market evidence shows how buyers reacted to similar improvements.Prepare a concise appraiser packetThe packet should make the property easier to understand, not bury the appraiser in paper.Include:A one-page verified property summaryA dated improvement and renovation recordDocuments supporting additions, conversions, or unusual featuresSurvey or floor plan when relevantContract and concession information available through the proper channelThree to five carefully selected closed salesA short explanation of why each selected sale is relevantContact information for factual follow-up questionsDo not include a requested value. Do not say the property "must appraise" at the contract price. Do not threaten the transaction, promise future business, or tell the appraiser what condition or quality rating to use.A professional introduction can be this simple:Thanks for coming. I prepared a short property fact sheet with renovation dates, supporting documents, and several relevant market sales. There is no requested value in the packet. Please use anything you find helpful, and I am available if you have factual questions.Prepare the property for the appointmentThe appraiser should have safe, complete access to the property areas required for the assignment. Gates, garages, closets, attic access when required, accessory units, and outbuildings should be accessible. Secure pets. Turn on lights. Ask the seller to allow the appraiser room to work.Do not follow the appraiser from room to room making a sales pitch. Be available. Be helpful. Then let the professional work.The buyer agent's role: evaluate risk before the offerThe listing agent helps make the property understandable. The buyer agent helps make the appraisal risk understandable.That responsibility starts before the buyer signs the offer.Explain what the appraisal doesThe appraisal supports the lender's collateral decision. It is not the buyer's inspection, a warranty, or a promise about next year's resale value.The buyer also needs to understand the financial effect of a low value. For standard Fannie Mae purchase financing, the loan-to-value ratio is generally calculated using the lower of the purchase price or current appraised value. The Fannie Mae LTV guidance explains that calculation.Suppose the contract price is $400,000 and the buyer planned a 90 percent loan of $360,000. If the property appraises for $390,000, a 90 percent loan based on that value would be $351,000. If the seller does not reduce the price, the buyer may need approximately $9,000 more cash, subject to lender approval and the final loan structure.That is why I would ask every financed buyer two separate questions:How much additional cash could you bring if the appraisal is low?How much additional cash would you actually be comfortable bringing?Those are not the same question.Analyze the property before recommending the offerThe buyer agent should complete a buyer-side market analysis. The question is not simply, "What will win?" The question is, "What does the available market evidence support, and what appraisal exposure does this offer create?"Risk may be greater when a property is custom, highly renovated, on acreage, affected by a major location influence, or supported by few comparable sales. Pay attention to accessory units, unpermitted additions, conversions, solar agreements, large concessions, builder incentives, and multiple-offer prices above recent closed sales.That does not mean the buyer should not purchase the house. It means the buyer should understand the risk before accepting it.Use the Texas forms carefullyFor many financed Texas transactions, the Third Party Financing Addendum separates Buyer Approval from Property Approval.Buyer Approval addresses the buyer's assets, income, credit, and loan terms. Property Approval addresses whether the property satisfies the lender's underwriting requirements, including appraisal, insurability, and lender-required repairs.Under Paragraph 2B of TREC Form 40-11, the buyer may terminate on or before the third day before closing if the lender determines the property does not satisfy underwriting requirements. The buyer must provide notice and a written lender statement explaining the determination.That is not the same as saying, "The appraisal was low, so the buyer can automatically terminate." The contract language, lender determination, notice, documentation, and deadline all matter.For eligible non-FHA and non-VA transactions, TREC Form 49-1 provides three choices:A full waiver of the appraisal-related termination right under Paragraph 2BA partial waiver down to a stated appraised valueAn additional right to terminate within a stated number of days if the appraisal is below a stated valueA full waiver can increase the buyer's cash obligation when the lender reduces the loan because of the appraisal. A partial waiver creates a defined appraisal-gap exposure. The additional termination right can create an earlier and clearer decision point.These are serious financial decisions, not boxes to check casually. Follow the buyer's instructions, use the promulgated forms correctly, and involve the broker or an attorney when legal interpretation or custom language is required.FHA and VA transactions have separate appraisal provisions in Paragraph 4 of the Third Party Financing Addendum. Form 49-1 specifically says it is for transactions that do not involve FHA or VA financing. Do not copy a conventional appraisal strategy into a government-loan offer without reviewing the applicable form and program requirements.Track the process, not just the due dateAfter execution, track:When the appraisal was orderedWhat type of valuation was orderedWhen the property appointment is scheduledWhen the report is expectedWhen the buyer receives the reportWhether the lender has completed its reviewWhether corrections or conditions are outstandingHow long an ROV is expected to takeWhich contractual deadlines remainFederal Regulation B generally requires the creditor to provide the applicant a copy promptly upon completion or three business days before closing, whichever is earlier, subject to permitted timing waivers. See the Consumer Financial Protection Bureau's appraisal-copy rule.The buyer agent should ask the buyer to forward the report as soon as it is received. Waiting several days to read it can waste the time needed to investigate a problem.The appraisal came in low. Now what?First, breathe.A low appraisal does not automatically mean the appraiser is wrong, the buyer must pay the difference, the seller must reduce the price, or the contract terminates.Start by identifying the real problem.Is the contract price unsupported?Sometimes the appraisal is credible and the contract price is aggressive. The buyer may have won a bidding war, placed unusual value on a feature, or agreed to pay more because of personal circumstances. Market value and a particular buyer's motivation are not always identical.If the report is well-supported, an emotional challenge is unlikely to help.Is there a material factual error?Review the subject information carefully:Living areaRoom countProperty typeLot and siteGarage and parkingPoolCondition and qualityRenovationsADU or outbuilding classificationConcessionsContract informationThen review the comparable sales. Were stronger sales available? Are the selected properties actually competitive? Were condition, location, lot, concessions, and market timing addressed? Is there a mathematical or internal inconsistency?A difference of opinion is not automatically a deficiency. We need something specific and supportable.Is this a lender property issue rather than a value issue?An appraisal can identify conditions involving repairs, safety, insurability, zoning, access, utilities, or property eligibility. Those issues may affect underwriting even when the value is adequate. Ask the lender to explain exactly what requirement is not satisfied.What choices remain?Depending on the contract and lender, the parties may:Proceed at the existing price with additional buyer cashReduce the priceSplit the appraisal gapRestructure financingCorrect factual errorsRequest a reconsideration of valueTerminate if the contract authorizes it and the requirements are satisfiedDo not let an appraisal negotiation drift past a deadline while everyone waits for the other side to make the first move.How to build a credible reconsideration of valueA reconsideration of value, or ROV, is not a demand for a different number. It asks for review of an opinion that may be unsupported, inaccurate, deficient, or affected by unacceptable appraisal practices.For a Fannie Mae loan requiring an appraisal, the lender must maintain a borrower-initiated ROV process. Only one borrower ROV is permitted per appraisal. It must identify the alleged deficiencies, include support, and may include no more than five additional comparables. After closing, a borrower ROV is no longer permitted. See Fannie Mae's Appraisal Quality Matters guidance.The borrower initiates the formal request through the lender. The agents can help organize the evidence.A strong ROV includes:The exact location of the disputed information in the reportA concise description of the error or unsupported conclusionThe correct informationA reliable sourceAn explanation of why the issue could be materialA limited number of truly better comparable salesMLS numbers and relevant transaction factsA clear explanation of why each additional sale is more comparableA weak ROV says the seller needs the contract price, the buyer is willing to pay it, Zillow is higher, or the appraiser should use a long list of cherry-picked sales.One good comparable with a clear explanation is more persuasive than twenty addresses dumped into an email.We also need to respect the communication channel. After the report is completed, appraisal questions and disputes should go through the lender's process. Do not call the appraiser to argue. Do not threaten a complaint because the value is low. If the report contains a genuine deficiency or prohibited discriminatory practice, identify it specifically and allow the lender to handle the required review.Will UAD 3.6 change the real estate market?At the transaction level, UAD 3.6 may matter. Software problems, unfamiliar reports, property-data discrepancies, complex improvements, or an ROV could create questions and pressure a closing deadline.Those are plausible operational effects.What we cannot responsibly say is that UAD 3.6 will automatically lower home prices, reduce inventory, increase appraisal gaps, or reduce Greater Houston sales volume. There is no evidence supporting that conclusion.Houston is influenced much more directly by mortgage rates, inventory, affordability, taxes, insurance, employment, construction, and local demand.For perspective, the Houston Association of REALTORS® reported that July 2026 single-family sales increased 1.6 percent from a year earlier, active listings rose 3.4 percent to 40,750, inventory reached 5.5 months, and the median single-family price increased 0.6 percent to $340,000. The full figures are available in the HAR July 2026 market update.Freddie Mac reported that the average 30-year fixed mortgage rate was 6.66 percent on August 27, 2026. That financing environment has a far more immediate effect on what buyers can afford than the layout of an appraisal report. See the current Freddie Mac Primary Mortgage Market Survey.That is the discipline we need as market professionals: do not blame the appraisal redesign for unrelated market movement.What should REALTORS® expect by January 2027?By January, I expect a mixed environment rather than a clean overnight change.Confirmed: New covered Fannie Mae and Freddie Mac appraisal reports initially submitted after the mandate should be in UAD 3.6.Confirmed: Revisions to qualifying legacy UAD 2.6 reports can still appear under their existing file through May 3, 2027.Evidence-supported expectation: Lenders, appraisal management companies, appraisers, and software providers will not all move through the learning curve at the same speed.Plausible scenario: Some early transactions may experience extra questions, longer review, or increased appraisal quotes. Other transactions will move normally. We do not yet have evidence for a universal outcome.Unresolved: FHA, VA, USDA, jumbo, and portfolio implementation will continue to depend on their controlling agencies and lenders.Buyers will ask questions when they receive an unfamiliar report with more pages or property classifications. Our job is to explain the process without pretending to be the appraiser or underwriter.This is also an opportunity. A well-prepared agent can help reduce confusion by verifying the listing, documenting improvements, analyzing the offer, tracking the lender, and identifying the difference between a legitimate appraisal concern and disappointment with the number.The practical action planFor listing agentsPrice from credible market evidence, not seller hope.Audit the MLS and public-record facts before going live.Investigate square-footage differences, additions, conversions, ADUs, and outbuildings.Create a dated improvement history with supporting documents.Prepare a concise, factual appraiser packet.Make the property fully accessible.Provide information without requesting or pressuring for a value.Review a short appraisal for legitimate factual or analytical issues.Use the lender's formal process when an ROV is justified.For buyer agentsExplain appraisal risk before writing the offer.Complete a buyer-side market analysis.Calculate potential appraisal-gap exposure with the lender.Determine how much additional cash the buyer can and will bring.Use the Texas financing and appraisal addenda carefully.Ask the lender what valuation product and standard will apply.Track the order, inspection, report, review, and contract deadlines.Read the appraisal instead of looking only at the value.Help the borrower prepare a focused ROV when the evidence supports it.Do not fight a credible appraisal simply because it is low.Change does not have to create panicContracts, lending, technology, and consumer expectations keep changing. The agents who last do not repeat every rumor. They study, prepare, and lead.UAD 3.6 requires learning across the industry, but it does not change the foundation of good representation.We still need accurate property information. We still need honest pricing conversations. We still need to understand the contract. We still need to protect deadlines. We still need to communicate professionally. And we still need to respect the appraiser's independence.The best listing-agent promise is not, "I can make your home appraise."It is this:I will price your property using credible market evidence, organize the facts an appraiser may need, protect our deadlines, and challenge legitimate errors through the proper process.The best buyer-agent promise is not, "Do not worry; the house will appraise."It is this:I will help you understand the market support before you offer, explain the appraisal risk, protect the contractual choices available to you, and help you make a clear decision if the value comes in short.That is what professional representation looks like.If you are a JLA Realty agent, or a REALTOR® anywhere in Greater Houston, now is the time to strengthen your appraisal strategy. Study the transition. Talk with your lenders. Verify your listings. Improve your CMA process. And build a repeatable system before November 2 arrives.If I can help you work through a listing, buyer offer, CMA, or appraisal problem, I am always happy to be a resource. I am Danny Frank, The Pearland Real Estate Expert, and my mission is to help agents and clients make better real estate decisions throughout Pearland, Friendswood, Alvin, Manvel, and the Greater Houston area.P.S. A Special Thank You to RE TechnologyIm honored to share that RE Technology selected this article for publication on its national website and included it in its newsletter. My goal was to give REALTORS® a practical, research-based guide to help them prepare for the appraisal transition, and Im grateful to Victor, Kelly, and the RE Technology team for helping to ensure this information reaches more agets.You can also read the RE Technology edition here:https://retechnology.com/articles/appraisals-are-changing-what-realtors®-need-to-know-by-nov-2Primary sources and further readingFannie Mae and Freddie Mac UAD 3.6 Frequently Asked Questions, updated August 18, 2026Fannie Mae UAD 3.6 Policy Supplement, published August 2026Freddie Mac UAD and Forms Redesign resourcesFannie Mae Appraiser Independence RequirementsFannie Mae Property Valuation FAQsFannie Mae Appraisal Quality Matters and ROV requirementsTexas Third Party Financing Addendum, TREC 40-11Texas Addendum Concerning Right to Terminate Due to Lender's Appraisal, TREC 49-1CFPB rules for providing appraisal and valuation copiesFHA UAD 3.6 transition informationHouston Association of REALTORS® monthly market updateFreddie Mac Primary Mortgage Market SurveyThis article is educational and is not legal, lending, or appraisal advice. Contract rights depend on the executed documents and specific facts of the transaction. Agents should consult their broker or legal counsel when legal interpretation is required.

Danny FrankA Texas RealtorJLA RealtyThe Pearland Real Estate ExpertServicing all areas in the greater Houston area and the Central Texas areaAreyou getting ready to sell or purchase your house or land in the area or any surrounding areas of SE Texas?Helping Texans make the best real estate decisions since 2004.Let's talk soon.Search Pearland Home For SalePearland Open HousesNew Listings in PearlandAre you or someone you know want to become a Realtor®? I am hiring both new and experienced Agents. Click HERE to find out more about working with me!

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