The GSEs are changing how appraisals are ordered and delivered. Every lender and credit union has to change something this year. Here's what you need to know.
Instead of picking a form (1004, 1073, 1025), you answer questions about the property and the valuation, and the right product is generated. The old form names are still shortcuts, but the system underneath is completely different.
Answer questions about the property type, occupancy, and valuation scope. The system generates the right appraisal product from your answers. No more picking from a static form list.
More fields, more standardized answers, more machine-readable output. The GSEs want data they can analyze at scale. The new format gives it to them.
More photos, more standardized angles, more documentation of condition. The appraiser's camera work is now part of the data set.
No more free-text condition descriptions. Standardized scales that mean the same thing across every appraisal. C3 means C3 everywhere.
Fannie Mae and Freddie Mac release the UAD 3.6 specification. Industry begins preparing.
Software providers update their platforms. Early adopters test the new workflows. Training materials roll out.
Last chance to get your platform, your team, and your appraisers ready before the mandate takes effect.
All conventional GSE loans must use the new UAD 3.6 format. The old forms are retired.
Questions every credit union and lender should be asking right now.
If your platform is scrambling to retrofit, you'll live through that scramble. Switch to the platform that was built for it, and you make the transition once.
If you have a list of appraisal products you currently order (1004, 1073, exterior-only, etc.), send it to us. We'll map it to the new UAD 3.6 format and send it back. No strings attached.
Email your product listIn-depth articles on what's changing and how to prepare. Published on our blog.
November 2026 for conventional GSE loans (Fannie Mae and Freddie Mac). After that date, old-format appraisals won't be accepted for GSE delivery.
Conventional loans sold to Fannie Mae or Freddie Mac. FHA and VA loans run on their own standards and timelines. Portfolio loans follow your own rules.
They're retired for GSE loans. You can still use them for non-GSE work if your investors accept them, but the industry is moving to the new format.
Yes. The GSEs accept the new format now. Early adoption lets you work out the kinks before the deadline, when everyone else is scrambling.
See how Appraisal Desk handles the transition. We'll walk through the new workflow and show you what your team actually sees.
Book a Demo