Nationwide Appraisal Network

Nationwide Appraisal Network NAN is a nationwide industry-leading appraisal management company.

NAN has grown to be one of the nation’s most trusted AMCs for residential and commercial appraisals in the United States. NAN’s usage of advanced data and analytics, along with performance-based appraiser incentives, has allowed them to raise the bar on turn times and report quality, and the industry is taking notice, as more and more top lenders continue to make NAN their preferred AMC. Our vision is to provide valuation services with a commitment to core principles so powerful that they fundamentally change the perception of Appraisal Management Companies. Our mission is to compliantly serve as a knowledge base for, and a bridge between, our loan origination and appraiser partners, driven by a commitment to transparency, accountability, innovation, and service. Core Principles:
•Transparency in performance and quality on every appraisal
•Accountability through use of data and analytics for appraiser selection to ensure the best possible outcome
•Innovation by remaining on the forefront of industry changes and needs and leading the way to results
•World Class Service through continuous training, growth and development and empowerment of our team

One-Time Close is gaining momentum in construction lending. Is your valuation partner ready? OTC Construction-to-Permane...
09/14/2026

One-Time Close is gaining momentum in construction lending. Is your valuation partner ready?

OTC Construction-to-Permanent loans streamline the borrower experience by combining construction financing and permanent financing into one transaction, but the valuation still requires specialized expertise.
Plans and specs for proposed improvements. Construction costs. Market conditions. As-completed value.
There are a lot of moving pieces before there are even walls.

At NAN, we understand the nuances of new construction appraisals and work with experienced appraisers who understand the scope and reporting requirements these assignments demand.
If your construction lending program is growing, we're ready to grow with you.

🏠 One-Time Close.
🏗️ Specialized appraisal expertise.
🤝 One valuation partner.

Register for a new appraisal account today and consult with NAN about the specific appraisal needs for your OTC Construction program. https://nan-amc.com/register/

Today, we remember the lives lost, the heroes who stepped forward, and the countless people whose lives were forever cha...
09/11/2026

Today, we remember the lives lost, the heroes who stepped forward, and the countless people whose lives were forever changed on September 11, 2001.

25 years later, we remember. We honor. We will never forget.

This month, we're celebrating the professionals who help turn homeownership dreams into reality. At NAN, powered by SVI,...
09/10/2026

This month, we're celebrating the professionals who help turn homeownership dreams into reality.

At NAN, powered by SVI, we're proud to support the people behind the process and be a trusted partner along the way.

Happy National Mortgage Professionals Month!

09/09/2026

“The unit count doesn’t match, so it isn’t a good comparable.”

Not necessarily.

In fact, as Bill Waltenbaugh explains in this week’s AskNAN, that may be a preference—not a rule.

Consider a three-unit subject with a four-unit sale right next door. Should that sale automatically be excluded simply because the unit counts differ?

UAD 3.6 gives appraisers a way to address exactly this scenario.

The new sales grid includes a user-defined row that can be labeled Total Units, allowing the appraiser to report the subject and comparable unit counts and analyze how or whether the market reacts to that difference.

And there’s another important distinction:

A difference that must be analyzed does not automatically require an adjustment.

If the market supports an adjustment, make it. If it doesn’t, explain why and provide support.

The real question remains the one that should drive comparable selection in the first place:

Is the property actually comparable?

Watch this week’s AskNAN as Bill breaks down the guidance and what it means for appraisers, reviewers, and lenders.

Behind every loan, every closing, and every homeownership journey is a team of people putting in the work.This Labor Day...
09/07/2026

Behind every loan, every closing, and every homeownership journey is a team of people putting in the work.

This Labor Day, we're celebrating the dedication that keeps the industry moving forward.

Happy Labor Day!

Join William “Bill” Waltenbaugh, NAN’s Chief Appraiser, for his ValuSignal 2026 virtual session.Bill will share insights...
09/03/2026

Join William “Bill” Waltenbaugh, NAN’s Chief Appraiser, for his ValuSignal 2026 virtual session.
Bill will share insights on what it takes to grow your career, develop your leadership skills, and make the move from the field into leadership.

📅 September 19 at 1:00 PM
💻 Virtual Session

Don’t miss this opportunity to learn from someone who’s been there and moved up!

🔗 Register here: https://www.valusignal.com/speakers/william-bill-waltenbaugh

09/02/2026

The 1007 isn’t dead. But under UAD 3.6, it’s being demoted to a last resort.

With rental information now incorporated into the dynamic URAR, lenders and appraisers will need to rethink how and when market rent is requested.

In this week’s AskNAN, Bill Waltenbaugh explains an important workflow change:

- If market rent is needed, the Rental Information section is completed within the URAR.

- That section is conditional, so the need for market rent should be identified when the appraisal is ordered.

- If underwriting requests it after the report is complete, the original appraiser must be engaged to amend the report and because that represents additional scope and work, expect an additional fee.

So where does that leave the legacy 1007?

Still available, but primarily for those rare situations where the original appraiser genuinely isn’t available.

Bill’s analogy says it best:

Think of the 1007 like a spare tire. It’s still in the trunk, but you don’t plan the trip around it.

Watch this week’s AskNAN for the full breakdown and what lenders, AMCs, and appraisers should know as UAD 3.6 changes the rental reporting workflow.

#1007

08/26/2026

A green light from the UAD Compliance API doesn't mean the appraisal is done being reviewed.

So, what's the difference?

In this week's AskNAN, Bill Waltenbaugh breaks down an important distinction as the industry transitions to UAD 3.6.

The UAD Compliance API checks the appraisal XML for things like completeness, validity, and whether the data is plausible and internally consistent.

What it doesn't do is determine whether an adjustment is supported or whether the appraisal's conclusions hold up.

As Bill puts it:

"It reads the fields. It does not read the appraisal."

That's where collateral risk review comes in.

Understanding the difference matters on both sides of the process:

➡️ Appraisers: Run the compliance check early so data errors can be corrected at your desk instead of becoming revision requests after submission.

➡️ Lenders, AMCs & underwriters: Don't mistake a clean API result for a completed collateral review.

The takeaway is simple:

Clean data is not the same as a credible report.

Watch this week's AskNAN for the full explanation.

We’re excited to be at the New England Mortgage Bankers Conference September 16–18Stop by and meet Chris Seymour and Kri...
08/25/2026

We’re excited to be at the New England Mortgage Bankers Conference September 16–18

Stop by and meet Chris Seymour and Kris Cummings from the NAN team. Whether you want to talk valuation strategy, complex properties, or just put a face to the name, they’re ready to connect.

And, of course, you won’t want to miss your chance to enter to win a YETI tote bag!

📍 Newport Marriott Hotel
📅 September 16–18

Come say hi, we can't wait to see you!

As the industry moves from UAD 2.6 to UAD 3.6, familiar appraisal terminology is changing along with the data structure....
08/21/2026

As the industry moves from UAD 2.6 to UAD 3.6, familiar appraisal terminology is changing along with the data structure.

• GLA → Finished Area Above Grade
• Location → Site Influence
• Garage/Carport → Vehicle Storage

And those are only a few examples.
Fannie Mae's latest UAD 3.6 guidance reinforces why becoming fluent in this new vocabulary matters. Former UAD abbreviations have been retired, standardized terms are now fully stated, and outdated terminology can create confusion or even contradict the structured data within the report.

That means knowing what NOT to use anymore is becoming just as important as knowing what's new.
With the November 2, 2026 mandate approaching, now is the time to move from translating UAD 3.6 in our heads to speaking it fluently.

At NAN, we're committed to helping both our clients and appraiser partners get there. We're actively completing UAD 3.6 orders, monitoring the latest guidance, educating our panel, and sharing resources to make this transition as seamless as possible.

Visit our UAD 3.6 Resource Center to keep learning with us. https://nan-amc.com/uad_3_6/
November 2 is coming. Let's be fluent by then.

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34677

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