The most significant change to residential appraisals in over a decade is now underway. Everything your lending and operations teams need, all in one place.
UAD 3.6 is the latest update to the Uniform Appraisal Dataset, introduced by Fannie Mae and Freddie Mac as part of their Uniform Mortgage Data Program.
It replaces the legacy 1004 form with a new Uniform Residential Appraisal Report (URAR) built on MISMO 2.6 XML – one that is modular, data-driven, and designed for the future of lending.
This changes the structure, data format, and workflow for how appraisals are completed and submitted to the GSEs.
Expert-led sessions covering every aspect of the UAD 3.6 transition – for lenders, AMCs and appraisers.
Official GSE materials, sample reports, and training files organized and ready to download so your team isn’t hunting for them when it matters.
All lenders can now submit UAD 3.6 to UCDP without prior GSE approval, provided their systems and appraisal software are ready. This is the window to test your systems, train your reviewers, and confirm your appraiser panel is ready before November 2, 2026 makes it mandatory with no exceptions.
Stay informed with our news and blogs.
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From system readiness to vendor alignment, most teams are behind. Get clear on what you need to fix — and how to go live before the deadline.
UAD 3.6 becomes mandatory on November 2, 2026. Broad Production is already live, which means lenders and AMCs should be actively testing, validating workflows, and preparing their systems now rather than waiting for the deadline.
While the front-end ordering experience may appear similar, the underlying requirements are changing. You need to ensure your LOS can receive UAD 3.6 data, your vendor network is operating on compliant software, and your internal workflows can handle the new data structure. Without this alignment, orders will fail, require reassignment, or introduce delays.
UAD 3.6 introduces structured, standardized data that will require updates to your existing QC frameworks. Your review rules, checklists, and automated triggers must be reconfigured to accommodate new fields and logic. If not addressed early, QC processes will slow down and become a bottleneck instead of a control layer.
UAD 3.6 does not directly change pricing, but it will impact how work is performed. As data collection and reporting evolve, turnaround times and vendor workflows may shift, which can influence pricing over time. The immediate impact is operational, with potential cost implications following.
The format is consistent; the work is not.
UAD 3.6 applies to conventional residential appraisals submitted to Fannie Mae and Freddie Mac through UCDP. This includes traditional appraisals as well as newer formats such as desktop and hybrid reports across property types like condos and multi-unit homes. Non-GSE products are not included, but they will continue to operate alongside these new requirements.
If your systems are not ready to support UAD 3.6, you will not be able to process submissions correctly. This leads to order failures, reassignment of appraisers, and delays in loan timelines. There is no option to convert reports after submission, which makes upfront system readiness critical before placing orders.
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