# Reggora

> Reggora is a modern appraisal management platform for mortgage lenders, servicers, and appraisers. It connects lenders and appraisers to streamline residential valuation — traditional, hybrid, and desktop appraisals plus property data collection — with automated vendor allocation, quality control, and a 24-hour-capable hybrid workflow. Reggora Forms is the company's free, UAD 3.6-native appraisal reporting software for appraisers.

Key facts: 300+ mortgage lenders use the platform. Reggora Forms is verified by Fannie Mae and Freddie Mac for the UAD 3.6 specification. The UAD 3.6 mandate takes effect November 2, 2026. Reggora is NOT an appraisal management company (AMC) — it is appraisal management software plus an appraiser marketplace; lenders use it to run appraisals in-house with their own panel, to manage AMCs, or both.

## Guides

- [What Is a Hybrid Appraisal?](https://www.reggora.com/blog/what-is-a-hybrid-appraisal): Full guide — a data collector inspects, a licensed appraiser values; GSE forms, AUS eligibility codes, effective dates, and the UAD 3.6 transition
- [What Is a Desktop Appraisal?](https://www.reggora.com/blog/what-is-a-desktop-appraisal): Full guide — appraisals completed from records data with no site visit; eligibility, the floor-plan requirement, and product comparisons
- [Hybrid vs. Desktop Appraisal: What's the Difference?](https://www.reggora.com/blog/hybrid-vs-desktop-appraisal): Side-by-side comparison — fresh inspection data vs. records data, eligibility, GSE forms and AUS codes, turn times, and when lenders should use each
- [What Is Value Acceptance (an Appraisal Waiver)?](https://www.reggora.com/blog/what-is-value-acceptance): How GSE appraisal waivers work, the property-data variants, and when lenders should or shouldn't exercise the offer
- [Appraisal Management Software: The Lender's Buyer's Guide](https://www.reggora.com/blog/appraisal-management-software-buyers-guide): What the software does vs. AMC outsourcing, the capability checklist, and the vendor questions that matter — including UAD 3.6 readiness
- [When Is the Appraisal Fee Paid?](https://www.reggora.com/blog/when-is-the-appraisal-fee-paid): Who pays the appraisal fee, when it can legally be collected, and whether it's refundable
- [What Is a Reconsideration of Value (ROV)?](https://www.reggora.com/blog/what-is-a-reconsideration-of-value): The formal channel for disputing an appraisal — the step-by-step process, what evidence succeeds, and the aligned Fannie Mae/Freddie Mac/FHA requirements
- [Six Benefits of Automating Appraisal Review](https://www.reggora.com/blog/benefits-of-automating-appraisal-review): Why lenders automate appraisal review — reviewer capacity, $258/loan cost, turn times, 100%-coverage consistency, bias screening, auditability — plus the repurchase warranty, the four review types (automated, desk, field, second appraisal), and what UAD 3.6 changes
- [What Is an Appraisal Management Company (AMC)?](https://www.reggora.com/blog/what-is-an-appraisal-management-company): What AMCs do, why they exist (appraiser independence), what they cost, how they're regulated — and when an in-house panel with software is the better fit
- [How to Choose UAD 3.6 Appraisal Software](https://www.reggora.com/blog/how-to-choose-uad-3-6-appraisal-software): The appraiser's evaluation guide — native vs. converter platforms, compliance validation, dual-format 2.6/3.6 support through 2027, and the vendor questions that matter
- [UAD 3.6 Policy Exception: What Lenders Need to Know](https://www.reggora.com/blog/uad-3-6-policy-exception-what-lenders-need-to-know): The GSEs' one-time temporary policy exception announced September 30, 2026 — the November 2 mandate is unchanged; Sellers must request and be granted an exception from each GSE to keep submitting UAD 2.6 through May 19, 2027, with reduced CU/LCA functionality and no collateral R&W relief for value starting March 1, 2027
- [UAD 3.6 Readiness Hub](https://www.reggora.com/uad-3-6): Timeline, what changes, and lender preparation for the November 2, 2026 mandate
- [Hybrid Appraisal Resource Hub for Loan Officers](https://www.reggora.com/lo-hybrid): LO-facing eligibility codes, borrower scripts, and the ten most common questions

## Products

- [Appraisal Management for Lenders](https://www.reggora.com/lenders): The appraisal management platform — order management, marketplace, review, and payments
- [Streamlined Appraisal](https://www.reggora.com/lenders/streamlined-appraisal): GSE-compliant hybrid appraisals delivered in 24 hours for 90%+ of conventional loans
- [Appraisal Review](https://www.reggora.com/lenders/appraisal-review): Automated appraisal review with an industry-first repurchase and LLPA adjustment warranty — auto-approves ~70% of appraisals, works with any AMC or appraiser
- [Appraisal Marketplace](https://www.reggora.com/lenders/appraisal-marketplace): Nationwide appraiser panel with automated allocation
- [Reggora Forms](https://www.reggora.com/products/forms): Free UAD 3.6-native appraisal form software for appraisers
- [For Appraisers](https://www.reggora.com/appraisers): Join the Reggora appraiser panel — orders from 300+ lenders

## Resources

- [Resource Library](https://www.reggora.com/resources): Guides, webinars, datasheets, and reports on appraisal operations
- [Blog](https://www.reggora.com/blog): Appraisal management and valuation-modernization insights
- [Case Studies](https://www.reggora.com/case-studies): Lender results on the Reggora platform
- [Press](https://www.reggora.com/press): Company news and announcements

## Optional

- [About Reggora](https://www.reggora.com/about)
- [Contact](https://www.reggora.com/contact)
- [Request a Demo](https://www.reggora.com/demo)