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Appraisals: UAD 3.6

Last updated: October 26, 2026

CURRENT RULE

UAD 3.6 DELAYED. Fannie Mae and Freddie Mac are granting waivers to sellers who can’t hit Nov 2, 2026, extending the mandate to May 2027 — but Nov 2 technically stands, and without a waiver it’s noncompliant. Some lenders are implementing the new format now anyway: confirm the lender’s accepted format before ordering. From Mar 1, 2027, UAD 2.6 reports lose some representations-and-warranties relief and get a CU risk score of 999. ACE / ACE+ PDR: Freddie Bulletin 2026-13 makes appraisal waivers eligible on investment property refis, effective immediately (previously ineligible). Solar: panels with a UCC-1 filing — a solar endorsement on the title policy can now satisfy the requirement instead of subordinating/releasing the UCC-1 (CA-relevant); loop in title early on financed solar. FHA allows UAD 3.6 optionally with no mandatory date yet. VA is business as usual for now. Final week before the Nov 2, 2026 UCDP mandate: UAD 3.6 becomes mandatory for new submissions to UCDP Nov 2, 2026; lenders not ready can request a one-time exception to May 2027; FHA still optional. Confirm the lender’s accepted format before ordering and close out the 2.6 pipeline early.

Transferred-appraisal updates:

  • PRMG (Oct 14): updated appraisal guidelines and appraisal transfer policy.
  • Arc Home: new transferred-appraisal policy effective now (details in SPARC).
  • Newrez (Oct 19): began accepting the new UAD 3.6 format.

KEY DATES

  • Nov 2, 2026: UAD 3.6 mandatory for new submissions to UCDP (technically stands; waiver needed for relief).
  • May 2027: end of the delay-waiver window.
  • Oct 19, 2026: Newrez began accepting the new UAD 3.6 format.

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Appraisals are switching to a new report in November. We’ll order the format your lender needs so we don’t pay for it twice.

DON’T MESS UP

  • Ask the lender which format to order before ordering. Don’t mix formats on one FHA case.
  • The delay is waiver-only — Nov 2 technically stands and no waiver means noncompliant. Some lenders are on the new format now; others aren’t. Confirm the lender’s status before ordering.
  • PRMG: new format on conventional as of Oct 1, order via Appraisals@prmg.net (not Reggora). Not on FHA yet.
  • Nations Direct: conventional and Non-QM orderable in the new format from Oct 12; FHA 3.6 available on request.
  • Transferred appraisals: PRMG updated its transfer policy Oct 14; Arc Home has a new transferred-appraisal policy effective now (details in SPARC). Confirm transfer rules before moving an appraisal.

OFFICIAL SOURCES

Fannie Mae: UAD policy exception (Sep 30)
FHA INFO (HUD) — incl. INFO 2026-23

CHANGE HISTORY

  • Sep 28, 2026: Nov 2 mandate first covered in the weekly alert.
  • Sep 30, 2026: GSEs announced the exception process (LL-2026-08).
  • Oct 5, 2026: deep dive in the October roll-up; FHA INFO 2026-23 allows UAD 3.6 optionally.
  • Oct 12, 2026: UAD 3.6 delayed — waivers to May 2027 (Nov 2 technically stands; no waiver = noncompliant); ACE/ACE+ PDR appraisal waivers now eligible on investment property refis (Freddie Bulletin 2026-13); solar UCC-1 can now be satisfied by a solar endorsement on the title policy.
  • Oct 19, 2026: PRMG updated appraisal guidelines + appraisal transfer policy (Oct 14); Arc Home new transferred-appraisal policy effective now (details in SPARC); Newrez began accepting the new UAD 3.6 format (Oct 19).
  • Oct 26, 2026: Final week before the Nov 2, 2026 UCDP mandate (one-time lender exception to May 2027 for lenders not ready); confirm the lender’s accepted format before ordering and close out the 2.6 pipeline early.

Part of the GTG LO Library. Confirm the current rule with your lender before quoting.