FAQs About Appraisal Scope®

Appraisal Modernization is a GSE‑driven initiative transitioning the appraisal process from form‑centric to data‑centric workflows. It introduces:

• MISMO 3.6 XML

• Standard ZIP‑file packaging

• Centralized validation & review services

• Click here for Valuation Modernization changes on Appraisal Scope®  Valuation Modernization Changes on Appraisal Scope®

The following must be configured as Modern jobtypes:

• Appraisal URAR (Parent Order)

• Restricted Appraisal Update (Child)

• Completion Report (Child)
  Legacy (1004, etc.) remains supported during the GSE transition.

The biggest change you will see in the platform is the distinction between Legacy and Modern Jobtypes. During this multi-year transition, both will coexist side by side.

How to tell the difference:

·      Legacy (The "Old" Way): Most current orders. They use the standard XML/PDF upload and can still be delivered via email.

·      Modern (The "New" Way): These are jobs an AMC has specifically transitioned to meet new GSE standards.

When a jobtype is designated as modern:

·      It must be mapped to a standardized product category (e.g., appraisal type or scope of work).

·      Certain product types (like FHA or Commercial) will not be supported initially but may be added in later phases.

·      The file delivery format changes - modern Jobtypes require appraisers to upload a ZIP package instead of just an XML or PDF.

·      Email delivery will no longer be supported due to file size; instead, files will be accessible via download links or integrations.

No. FHA and Commercial Jobtypes cannot be configured as Modern due to GSE requirements.

It becomes available only after the parent Appraisal URAR has been delivered and is in Completed status.

If no child orders exist, both Restricted Appraisal Update and Completion Report are available. If one already exists, only the remaining eligible child product can be added.

Yes, they should be assigned to the original appraiser who completed the parent URAR when possible. If a different appraiser is selected, staff must provide an explanation for audit tracking.

The Add Appraisal Form button is disabled once the parent URAR already has both eligible child products attached.

• Add a new appraisal form.

• Select the Modern radio button.

• Choose the correct Order Product Type (URAR, Update, Completion).

• Ensure ZIP is the required file type.

• Configure the Rent Schedule Indicator if applicable.

  Click here for step by step instructions How to Configure Modern Jobtypes in Appraisal Scope® per UAD 3.6 Updates

Users may see new fields such as:

• Property Valuation Method

• Rent Schedule Indicator (read‑only)

• Living Unit Excluding ADU Count

• Accessory Dwelling Unit Total Count

• PUD Indicator

• Product Type label

• ZIP File Upload field

For URAR Orders:

• Loan Number

• Property Valuation Method

• Rent Schedule Indicator

For Child Orders:

• Loan Number

• Property Valuation Method

• Rent Schedule Indicator

• PUD Indicator
  (all inherited from the parent)

For Restricted Appraisal Updates and Completion Reports, the indicator is inherited from the Parent URAR and cannot be changed.

Per GSE rules, child products:

• Cannot be cloned

• Cannot use Add Appraisal Form except at the URAR parent level

• Modern‑specific mapping tab added

• Modern Loan Types, Property Types, Intended Use, and Occupancy values included

• Updates from CMS automatically populate Modern fields such as:

  • Property Valuation Method

  • ADU counts

  • PUD Indicator

Five‑field mapping must be configured:

• Product Type

• Property Type

• Property Valuation Method Type

• Mortgage Type

• Rent Schedule Indicator

Legacy mapping versions cannot be used once Modern mapping is enabled.

Yes. Appraisal Scope formats SSRs into the required JSON format for Mercury Network. Manual entry is also possible.

Create separate jobtypes for Appraisal URAR, Restricted Appraisal Update, and Completion Report. These support the parent-child workflow required for modern appraisal processing.

No. Once a jobtype is created, its legacy or modern designation is locked and cannot be changed later.

Select it only when the modern parent jobtype requires a rent schedule. Child products inherit this setting from the parent URAR and do not allow separate selection.

No. Add them only to the lists assigned to clients who are ready for UAD 3.6 ordering so non-ready clients do not accidentally select a modern product.

Up to three URARs per loan number (GSE limit).

Child orders must be assigned to the same appraiser who completed the parent URAR, unless they are unavailable.

When the parent URAR already has:

• A Restricted Appraisal Update, and

• A Completion Report
  → Both child products exist, so no additional forms can be added.

A valid ZIP must contain:

• MISMO 3.6 XML

• PDF of the report

• Property photos

• Supporting docs

Validation results are categorized as:

• Fatal Errors (must be corrected)

• Warnings

• Informational Messages

Only validated files are eligible for UCDP submission.

The system:

1. Extracts the ZIP

2. Displays the XML/PDF

3. Runs validation

4. Updates the order status to Ready for Review after passing

After a ZIP is validated:

1. Go to Documents/Files

2. Ensure status is Valid

3. Click Submit

If enabled in Client Company settings:

• Files submit automatically after validation.

• Sequence numbers are assigned.

• Child orders inherit the parent’s sequence #.

The system displays:

“Only 3 Appraisal URARs are allowed per loan number.”

Staff can use the UAD 3.6 Capability filter during manual assignment and confirm the appraiser’s readiness in the vendor profile.

The platform stops the UCDP submission process and displays alerts when required credentials or account details are incomplete.

Missing User ID and password credentials, lender name, business unit fields, or Fannie Mae and Freddie Mac account details can all stop submission.

No. In the appraiser workflow, reassignment options for child orders remain disabled.

Validated modern appraisal files are transferred in ZIP format, and the receiving AMC can access both the ZIP package and the extracted PDF from the Documents tab.

The system blocks the transmission and displays an error because the receiving platform is not configured for UAD 3.6 workflows.

It helps administrators identify the incoming CMS service string more easily, which simplifies troubleshooting and mapping configuration.

A Mercury child order is rejected if its incoming loan number does not match the parent URAR loan number already stored in the platform.