Let’s not sugarcoat it.
The appraisal industry is heading straight into one of the most transformative shifts we’ve seen in decades: UAD 3.6 is rolling out this fall. And most of the profession? Still asleep at the wheel.
Between a collapsing pipeline of new appraisers, AI rapidly entering the conversation, and a severe lack of tech adoption across the board, we’re not just unprepared—we’re exposed.
How Did We Get Here?
Let’s call it what it is: We let it happen.
When HVCC came along, we didn’t push back. We let AMCs step in and reshape the entire landscape. We accepted new rules, more red tape, less autonomy, and less pay—all under the guise of compliance.
We stood still while lenders added overlays that made it almost impossible for trainees to contribute meaningfully. Meanwhile, too many experienced appraisers chose not to train the next generation out of fear they were “training their competition.”
And now we’re facing the consequences of a profession that failed to protect its future.
PAREA: A Step, Not a Solution
Yes, there are programs like PAREA (Practical Applications of Real Estate Appraisal), and I respect the innovation behind them. But let’s be honest: it’s expensive, complicated, and doesn’t truly replicate real-world field experience. It’s a step forward—but it’s not a silver bullet.
The industry needs a multi-layered training model. One that includes formal pathways like PAREA and hands-on field training, with trainees shadowing experienced appraisers who are willing to lead, not hoard.
Tech: Not Optional Anymore
Here’s the uncomfortable truth: a huge chunk of appraisers are still using a clipboard, tape measure, and a digital camera. Whether it’s 50%, 70% or something else—who knows. Most industry stats are BS anyway.
But here’s what we do know: It’s far too many.
With UAD 3.6 and structured data requirements coming in hot, the old way of collecting and entering data is going to break down—fast. If you’re still handwriting field notes and uploading camera files at the end of the day, you’re about to fall behind hard.
Tech isn’t a nice-to-have anymore. It’s table stakes. If you’re not using mobile data collection tools or streamlining your workflow now, you’re gambling with your future.
AI Is Already Here
This isn’t just about what appraisers are doing. AI is already reshaping how property data is reviewed, flagged, and interpreted. It’s not about if it impacts our work—it’s about when.
The difference between the firms who thrive and the ones who fold will be clear within the next 12 months. And no, “this is how we’ve always done it” isn’t a defense—it’s a warning sign.
So What Do We Do?
Start now. Start connecting. Start upgrading. Start mentoring.
You don’t need to join a movement. Just grab coffee with another appraiser in your town. Join a state org. Call your peers. You don’t need to share secrets—but you do need to start talking.
Because this lone-wolf mindset has got to go. If you’re not part of something, you’re going to get swept up in nothing.
What We Need:
- Real tech adoption—not just lip service.
- Field-based trainee support.
- Appraisers willing to lead, not just survive.
- Lenders and regulators who listen to the people doing the work.
The next 12 months are going to define the next decade of this profession.
So get out of your silo. Get engaged. Get serious.
Change isn’t coming. It’s already here.
This is a unique opportunity: to either be left in the dust or be part of the future. The choice is 100% yours.
Hardesty Appraisals 