09/02/2026
🚨 BIG CHANGE COMING TO CONVENTIONAL APPRAISALS! 🚨
If you’re a REALTOR®, lender, appraiser, or planning to buy a home, you’ll want to know about UAD 3.6.
📅 November 2, 2026 is the big date.
Fannie Mae and Freddie Mac are transitioning to a new Uniform Appraisal Dataset (UAD) 3.6 and redesigned appraisal reporting system.
🏡 What’s changing?
The traditional appraisal forms we’ve been using for years — including the familiar 1004 — are being replaced by a dynamic, data-driven appraisal report.
Instead of every appraisal looking essentially the same, the new report will adapt to the property and the complexity of the assignment.
📄 That means an appraisal report could be much shorter for a straightforward property — or significantly longer when more information is needed.
The new format is designed to provide:
✅ More detailed property data
✅ Greater consistency in appraisal reporting
✅ More flexibility for different property types
✅ Better-quality, standardized data
✅ A more modern, technology-driven appraisal process
⚠️ Why does this matter to buyers and Realtors?
As we get closer to November 2nd, 2026, lenders, appraisers, AMCs and Realtors need to be prepared for the transition.
And remember — the mandate is based on when the appraisal is submitted to UCDP, not simply when the loan application is taken.
💡 The mortgage industry is changing — and staying ahead of these changes can help keep your transactions moving smoothly.
I’ll continue to keep my Realtor partners and clients informed as we get closer to the UAD 3.6 transition.
📲 Have questions about how this could impact your next purchase or refinance? Let’s talk!
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