Resources

Home > Resources

UAD 3.6 and the New URAR: What the 2026 Appraisal Changes Mean for Buyers, Sellers and Agents

August 30, 2026

On November 2, 2026, every home appraisal form is replaced by the new UAD 3.6 standard and dynamic URAR. Here’s what buyers, sellers and agents need to know, and why it does not change your home’s value.

Praise From Our Clients

Tammy T.

Josh was very helpful and honest about the entire process. Very professional in a trusting manner. Very upfront about costs. I would and plan to use Simplified Mortgage in the future.

Randy F.

Phil Stevens and I have worked together on multiple transactions. Every time he has shown a high level of professionalism, knowledge, and urgency that is refreshing. I look forward to working with Phil again.

Kelly A.

As a Realtor, I've worked with many professionals, but Phil truly stands out. He provided exceptional guidance to my first-time homebuyers, making the process seamless and stress-free. Highly recommend him for his expertise and dedication!

Michael W.

My experience as a Realtor working with Phil Stevens has been excellent. He is a very hard working lender who does a great job of staying current with his industry. He also makes himself available for his clients and is especially skilled in working with first-time homebuyers. He is great to talk to and I can trust him with my clients!

Michel B.

I wanted to take a moment to express my gratitude for the outstanding support I received from Phil and his team at Simplified Mortgage. Despite having a particularly challenging situation, Phil went above and beyond to ensure everything was handled smoothly. His immediate responses, even during late nights and weekends, were truly impressive.

Kayley D.

I had a fantastic experience with Josh Wheaton with Simplified Mortgage. Their team was professional, knowledgeable, and genuinely committed to helping me find the perfect home. They provided valuable insights into the market and were always responsive to my questions. The entire process, from searching to closing, was smooth and well-organized. I appreciated their dedication and support every step of the way. I highly recommend Josh Wheaton for anyone looking to buy a property!

Cameryn C.

I am a Real Estate Agent in Sarasota County and had the pleasure of working with Philip on a very tricky, long transaction. His communication, work ethic, and patience were TOP TIER!

Ken K.

I've been working with Phil on a new home purchase. Through multiple transactions he's been right there when something came up, including nights and weekends. He above and beyond other mortgage brokers I've worked with.

Matthew K.

Every step of the way you answered all my questions whether it was 7am or 8 pm. You were the great and the nicest person ever. You always made me and my family feel important. Thank you for all that you did for us!!!

Doug S.

Thank you for your feedback Doug!

Gavin N.

Where do I start, I was a first time home buyer. My wife and I had no idea where to start and what to do. Josh Wheaton, was a godsend. He had to have answered a 1000 question for us alone and did it with grace. We searched for about 7-8 months and when we finally found the right house Simplified mortgage made this process easy and wonderful. Having them by your side, will be the best thing you could ever do. I highly recommend for first time home buyers. Thank you Josh Wheaton

J Eric M.

When I was buying my home, my real estate agent introduced me to Simplified Mortgage and Josh Wheaton. This was only my second home purchase, and because of my first experience, I was somewhat skeptical of the process. However, my skepticism quickly faded after my first conversation with Josh. He is a true professional, husband, and father who approaches the process with confidence. Josh consistently kept me updated and followed up to address any questions or concerns I had promptly and professionally. His weekly update calls kept me fully informed of the progress, which I appreciated. Josh and his team are exceptional. I'm now a homeowner and looking back; this was one of the best experiences of my life. Josh was instrumental in helping me purchase my home, and he is a quality individual whom I would befriend. If you are looking for a mortgage, I wholeheartedly recommend Simplified Mortgage and Josh Wheaton. I wish everything in life were as smooth as my home purchase. Josh was there for every step of the process and even well beyond. Look no further for mortgage-related needs; you won't regret working with this team for your next home purchase.

Liz O.

Excellent service, Josh went above and beyond what I expected.

Evanya W.

I had a great experience working with Josh! He was very knowledgeable about the home buying process, and specifically multi-family purchases too. You will learn a lot along the way as he is a teacher. He was very down to earth and approachable. Not intimidating when we talked about things I didn't understand or had not heard about before. He was always available when I had questions.

April K.

Very knowledgeable and just great to work with, always trying to stay ahead of any protentional problems. I would not use anyone else ever again.

C F

Josh made my first home buying experience a charm. Josh continually updated me with information and really took the time to educate me throughout the process which allowed me to feel more confident in my process. I look forward to working with Josh regarding future endeavors and would highly recommend him to anyone looking to purchase a home or looking to refinance!

We Make Mortgages Easy

with Personalized Support

Offering a Wide Range of Options & a Streamlined Process

Free Consultation Apply Online

Website Design & Development 2026 Links Web Design, Orlando, Florida Sitemap

UAD 3.6 and the New URAR: What the 2026 Appraisal Changes Mean for Buyers, Sellers and Agents

Recent Posts

Categories

Praise From Our Clients