UAD articles
UAD 3.6: the transition, the form and the data
The Uniform Appraisal Dataset 3.6 replaces the legacy UAD 2.6 forms for loans delivered to Fannie Mae and Freddie Mac. November 2, 2026 is the mandate date.
On September 30, 2026 the GSEs offered a temporary policy exception to sellers that cannot finish the transition in time. Approved sellers can keep submitting UAD 2.6 reports through May 19, 2027, with reduced functionality from March 1.
The articles below cover the exception timeline, the reporting changes section by section, and how lenders use the structured data.
One report for every property: how UAD 3.6 replaces 13 appraisal forms
The redesigned URAR replaces 13 legacy forms with one report shaped by six data points and checked by 728 rules. Part 1 of our UAD 3.6 series.
Where the value lands: market data, approaches to value and the two range rules
UAD 3.6 turns the market and reconciliation sections into fields: search counts, a value or reason for each approach, and two range rules. Part 7 of our series.
The grid shows its work: Comparable Weight, time adjustments and the comps left out
The UAD 3.6 sales grid records each comparable’s weight, a time adjustment on its contract date, and the properties left out. Part 6 of our UAD 3.6 series.
The backyard housing shift: ADUs, lending and the UAD 3.6 opportunity
How UAD 3.6 reports an ADU, what Fannie Mae now finances with up to three ADUs, and ADU demand, financing routes, valuation evidence and state laws.
UAD 3.6: The mandate holds, the transition stretches
The November mandate survives, approved sellers get more time, and March changes the legacy route. Follow the timeline and hear six industry responses.
UAD 3.6 and Section 6: reporting energy and green features
A field guide to Section 6, HERS and other ratings, solar ownership, and the building systems shaping the next generation of homes.
UAD 3.6: How appraisal data informs mortgage risk
Follow appraisal information into mortgage decisions, through the reporting changes, practitioner reactions, AI workflows, and the lender exception timeline.
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