1004d 2025

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The document is an Appraisal Update and/or Completion Report designed to provide lenders or clients with an updated appraisal status or certification of completion for a property. It outlines the intended use, intended user, scope of work, and includes certifications from both the appraiser and supervisory appraiser. The report assesses whether the property's market value has declined since the original appraisal and confirms if improvements have been completed as per the original appraisal requirements.

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Click ‘Get Form’ to open the 1004d in the editor.
Begin by filling in the 'File #' and 'Property Address' sections. Ensure that you provide accurate details for the city, state, and zip code.
In the 'Borrower' section, enter the name of the borrower and specify the property rights appraised (e.g., Fee Simple, Leasehold).
Complete the 'Original Appraiser' and 'Original Lender/Client' fields with relevant information. Include the effective date of the original appraisal and its appraised value.
Answer whether the market value has declined since the original appraisal by selecting 'Yes' or 'No'. If applicable, provide a description of any impacts on market value.
Fill out both appraiser's and supervisory appraiser’s certifications by signing and providing necessary details such as names, company information, and certification numbers.

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What is a 1004 D?

Property photos are required for desktop appraisals. Desktop appraisals must include pictures of the exterior front, rear and street as well as the interior kitchen, bathrooms, and main living area. They can be collected by a real estate agent, homeowner, or third-party source.

What photos are required on a 1004D?

Required exhibits include: Front and street scene photos. Photos of completed improvements. (If the original appraisal was subject to carpet and dishwasher being installed, photos of these items must be furnished.)

What pictures are required in an appraisal?

A map showing the location of the subject property and the comparables that the appraiser used. Clear, descriptive color photographs showing the front, back, and a street scene of the subject property and the front of each comparable. The subject and all comparables must be appropriately identified.

What is a virtual 1004D?

Fannie Mae Form 1004D/Freddie Mac Form 442, Appraisal Update and/or Completion Report is to be used to extend the validity period. When an appraisal is obtained, the property must be appraised within the 12 months that precede the date of the note and mortgage.

Is a 442 the same as a 1004D?

The 1004D Virtual Completion Certificate offers a convenient and swift way to confirm the fulfillment of appraisal report conditions for construction or repairs/alterations. A seamless connection between the appraiser and the property contact is established through a video streaming service.