01
One new report
The old appraisal forms are retired and replaced by a single redesigned report.
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New as of November 2, 2026
Appraisals just changed.
As of November 2, 2026, Fannie Mae and Freddie Mac require a completely redesigned appraisal report on every new loan they purchase. It's the biggest overhaul to home appraisals in years, and most sellers don't know it happened.
Download the guide to see what's gone into effect, what's changed, and what it means for you as a seller.
Inside the guide
- What went into effect on November 2, 2026
- What changed in the appraisal report, from condition ratings to new data fields
- What appraisers now record about your home's updates and features
- What it means for sellers, and how to prepare
Carly Grundmann is a licensed real estate broker, not an appraiser. This guide is general education only. It won't make you an appraiser and is not legal, financial, tax, or appraisal advice. Always contact a licensed appraiser, lender, or attorney about your specific situation.
Why Fannie Mae and Freddie Mac matter
Your buyer's loan decides the rules.
Most conventional mortgages are sold to Fannie Mae or Freddie Mac. If your buyer's loan is one of them, the appraisal that decides whether the deal closes at your price now follows the new standards. The report looks different, asks for more, and records your home in more detail than it did a month ago.
02
Inside and out
Condition and quality are now rated separately for the interior and exterior.
03
More on the record
Kitchen and bath updates, energy-efficient features, and disaster-mitigation features are now captured as data.
Carly Grundmann is a licensed real estate broker with Windermere Professional Partners, not a licensed appraiser. Information on this page and in the guide is for general educational purposes only and is not legal, financial, tax, or appraisal advice. Appraisal requirements vary by loan type and lender. Contact a licensed appraiser or your lender for guidance on a specific property.