09/11/2026
Some of the most important changes in mortgage lending don’t arrive with much fanfare—but they can still affect a transaction.
Fannie Mae and Freddie Mac are transitioning to UAD 3.6, a major redesign of the residential appraisal report. Beginning November 2, 2026, it will be required for appraisal reports submitted on loans sold to either agency.
What does this mean for Realtors, buyers and sellers?
✅ Property information will be documented more consistently.
✅ Square-footage discrepancies and converted or non-permitted living areas may receive greater scrutiny.
✅ Accurate MLS information and documentation of improvements will become even more important.
✅ Appraisal timelines should leave enough time to address questions or a low valuation.
Borrowers also have a formal Reconsideration of Value process if an appraisal appears inaccurate or unsupported. That process must be handled through the lender—not by contacting the appraiser directly.
My advice to Realtor partners: review property details carefully, document significant improvements and involve your lender early when a property has unusual features.
My job isn’t simply to quote a rate. It’s to anticipate potential problems, communicate clearly and help keep your transaction moving toward closing.
Questions about an upcoming listing or purchase? I’m always happy to be a resource—even before there’s a contract.
