For nearly twenty years, home appraisals ran on the same familiar paper forms — the Form 1004, the Form 70, and their cousins. That era is ending. UAD 3.6 is the redesigned appraisal data standard from Fannie Mae and Freddie Mac, and it represents the largest shift in how homes are documented in a generation.
What actually changes?
The old forms squeezed every home — a downtown condo, a rural ranch, a suburban colonial — into the same rigid template. UAD 3.6 replaces all of them with a single dynamic report that expands or contracts based on the property and the type of inspection. Instead of a narrative squeezed into fixed boxes, the appraisal becomes a structured dataset with a great many more fields describing systems, materials, condition, and updates.
In practical terms, the appraiser is now asked to document your home in much finer detail than before. That is good for accuracy. It also means there is a lot more about your home to pin down on the day of the visit.
Why does it matter to a homeowner?
Here is the part that affects you directly: an appraiser can only credit what can be verified. If your roof was replaced four years ago, your HVAC was serviced last spring, and your electrical panel was upgraded with a pulled permit, those facts support your home's condition — but only if someone can confirm them. When the record is missing, the safe assumption is usually the conservative one.
With a more detailed appraisal, that gap between "what's true" and "what can be proven" gets more expensive. The homeowner who keeps an organized, verifiable file walks into the appraisal with the answers already gathered: install dates, costs, contractors, permit numbers, and the documents to back them.
The forms that are going away
UAD 3.6 retires the legacy appraisal forms — including the 1004, 70, 1073, 2055, 465, and 442, along with their hybrid and exterior-only variations — and replaces them with one adaptable report built to describe any property type.
How MyHomeFile fits
MyHomeFile is built for exactly this moment. It gives you a place to document your home's history as it happens — each repair, upgrade, permit, and inspection — and to attach the proof so every claim is supported, not just stated. When a more detailed appraisal arrives, your home already has its story organized and verifiable in one place.