The mortgage and appraisal industry is undergoing a major transformation with the rollout of UAD 3.6 (Uniform Appraisal Dataset). A modernization effort led by Fannie Mae and Freddie Mac. This update isn’t just a technical change; it’s a significant leap toward greater consistency, clarity, and compliance in how appraisal data is captured and communicated.
What Is UAD 3.6?
UAD 3.6 introduces a new, dynamic Uniform Residential Appraisal Report (URAR) that replaces several existing static forms. By using a single, adaptable format, appraisers can now better accommodate a wide variety of property types and scenarios, eliminating redundancy and improving workflow.
Key Changes to Know
1. A Single Dynamic URAR Format
Instead of separate forms for different property types, UAD 3.6 provides a flexible structure that adjusts to the specific appraisal scenario. This simplification improves usability and ensures appraisals are more consistent across the board.
2. Standardized Reconsideration of Value (ROV)
The update includes a uniform method for handling ROV requests, aligning with federal regulations and making the reconsideration process more transparent for lenders and borrowers.
3. More Comprehensive Scenarios
Appraisers now have expanded options to describe unique property features, market nuances, and valuation situations, leading to more accurate reports.
4. Updated Quality and Condition Ratings
Definitions for property quality and condition have been clarified to reduce subjectivity and variation among reports, promoting fairer evaluations.
5. Revised Supporting Documents
New guides and technical specs support the transition, helping appraisal professionals and lenders adapt smoothly.
Rollout Timeline
- Here’s a snapshot of the key dates:
- June 4, 2025: GSE policy updates published
- July 28, 2025: ULDD (Uniform Loan Delivery Dataset) updates begin
- Sept 8, 2025 – Jan 25, 2026: Limited production with select participants
- Jan 26 – Nov 1, 2026: Industry-wide optional use of UAD 3.6
- Nov 2, 2026: Full mandatory adoption
- May 3, 2027: Legacy UAD 2.6 is retired
How to Prepare?
For Lenders and AMCs:
- Review the Lender Readiness Kit from Freddie Mac
- Map old forms to new ones using GSE mapping guides
- Conduct internal training on the dynamic report structure and updated fields
- Test and validate with sample XML files and use cases
For Appraisers:
- Familiarize yourself with the updated URAR
- Learn the new quality/condition standards
- Engage in webinars and training from GSEs or appraisal software partners
- Use available templates and tools from appraisal platforms like ValueLink.
GoSource’s Perspective
At GoSource, we see UAD 3.6 as a long-overdue shift toward smarter, more streamlined appraisal workflows. By integrating the new standards into our appraisal management systems, we’re empowering AMCs, lenders, and appraisers to work more efficiently, without sacrificing accuracy or compliance.
Our technology is ready, our teams are trained, and we’re already supporting partners in transitioning to the UAD 3.6 framework.
Final Thoughts
The shift to UAD 3.6 isn’t just about compliance, it’s about building a better future for the appraisal industry. With clearer guidance, more adaptable forms, and enhanced data quality, it’s a step forward that benefits everyone involved in the mortgage lending process.