Form library / URAR 1004
URAR 1004
Uniform Residential Appraisal Report (Fannie Mae 1004 / Freddie Mac 70)
The standard single-family appraisal form for mortgage lending.
Used for
- Conventional purchase and refinance mortgages
- Single-family homes, townhomes, and PUD units
- Lender, FHA-adjacent, and secondary-market assignments
What it covers
- Subject property details, site, and improvements
- Neighborhood and market conditions (1004MC)
- Sales comparison approach with three-plus comparables
- Cost approach support and final reconciliation
How ValueSwell fills it
- Voice walkthrough becomes property and condition fields
- Scout pulls, adjusts, and cites comparable sales from your MLS
- Drafter draws the ANSI-aligned sketch with GLA
- Watchdog pre-checks UAD, agency, and lender overlays before you sign
Common questions
- Is the 1004 the same as the URAR?
- Yes. URAR stands for Uniform Residential Appraisal Report — Fannie Mae form 1004, Freddie Mac form 70. It’s the workhorse of residential mortgage appraisal.
- How does the 1004 relate to UAD 3.6?
- UAD 3.6 is the new data standard replacing the legacy 1004 dataset. ValueSwell writes both — and converts legacy 1004 reports to UAD 3.6 with a field-by-field change map.
Keep exploring
Let the agents fill the URAR 1004.
Voice walkthrough in, drafted form out — comps cited, sketch drawn, compliance pre-checked. First three reports free.
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