Appraisal Compliance Checker

USPAP stands for the Uniform Standards of Professional Appraisal Practice. These are the ethical and performance standards that every licensed or certified appraiser in the United States must follow. USPAP is updated every two years by The Appraisal Foundation, which is authorized by Congress. Key standards for homeowners include Standard 1 (how the appraiser must develop the appraisal) and Standard 2 (how the appraiser must report the results).

Fannie Mae is the largest purchaser of mortgages in the United States. Their Selling Guide (particularly Section B4-1) sets specific requirements for appraisals on loans they will purchase. These include rules about comparable sales selection (proximity, recency, similarity), condition and quality ratings (using UAD C1-C6 and Q1-Q6 scales), and market conditions analysis. Most lenders follow Fannie Mae standards even for non-Fannie loans because they represent industry best practice.

You can dispute an appraisal any time you believe it contains errors or does not accurately reflect your home's value. Common reasons include: wrong square footage, inappropriate comparable sales, incorrect condition or quality ratings, missed renovations, and flawed market trend analysis. The formal process is called a Reconsideration of Value (ROV). You should submit your dispute as soon as possible after receiving the appraisal, ideally within 5-10 business days.

No. This tool runs basic compliance checks based on published Fannie Mae and USPAP standards. It can flag potential issues that warrant further investigation, but it cannot replace a professional review by a licensed appraiser or a real estate attorney. Think of it as a first-pass screening tool that helps you know if your appraisal is worth disputing.

This tool checks objective, rule-based criteria: comparable sale distances, dates, minimum comp counts, and value gaps. These checks are based on published Fannie Mae guidelines and are accurate for the criteria they measure. However, appraisal quality involves subjective judgments (like comparable selection and adjustment amounts) that this tool cannot evaluate. A green result does not mean the appraisal is correct, and a red result does not guarantee it is wrong.

No. All compliance checks run entirely in your browser. Your property data is never sent to our servers. Nothing is stored, logged, or tracked. Close the tab and your data is gone.