A major change is coming to the mortgage appraisal process, and real estate professionals should be prepared.
Beginning November 2, 2026, UAD 3.6 will be required for all new appraisal reports submitted through the Uniform Collateral Data Portal (UCDP) for applicable Fannie Mae and Freddie Mac transactions.
UAD stands for Uniform Appraisal Dataset, and version 3.6 represents a significant modernization of the way property information is collected and reported during the appraisal process.
The traditional appraisal forms many Realtors and mortgage professionals have been accustomed to seeing are being replaced with a more dynamic Uniform Residential Appraisal Report.
Why does this matter to Realtors and sellers?
Accurate property information is becoming increasingly important. Listing agents should be prepared to provide clear information about a home's features, condition, renovations, additions, upgrades, and other relevant property characteristics.
Sellers can help by maintaining documentation of significant improvements to their property, while Realtors should make sure MLS information accurately reflects the home.
For buyers, the fundamental purpose of an appraisal hasn't changed. The appraisal continues to provide the lender with an independent professional opinion related to the property being used as collateral for the mortgage.
However, the way that information is collected and communicated is changing.
At Bluegrey Mortgage, staying ahead of industry changes is an important part of helping our borrowers and Realtor partners navigate the mortgage process.
Whether you're a Florida Realtor, first-time homebuyer, or experienced homeowner, understanding upcoming mortgage-industry changes can help prevent surprises during a transaction.
Have questions about UAD 3.6 or the mortgage appraisal process? Connect with the Bluegrey Mortgage team today.
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