Fannie and UAD 3.6

[Amy Perkins]

I have noticed some things.
1 some companies acquiring other AMCs
2 some companies only doing hybrids and desktops
3 waivers requiring no appraisal
4 advertising campaign to employ appraisers and work direct with lender
5 competition with in house versus independent appraisers

UAD 3.6 turns the appraisal into a "digital product," impacting appraisers in three ways:
Increased Workload: You will spend more time per report. The move from static forms to dynamic data entry requires room-by-room details and 150+ new data fields (like door threshold heights and broadband status), increasing inspection and entry time by 15–20%.
Fee Pressure: While the extra work justifies a 10–20% fee increase, competition from automated waivers and "hybrid" models (where you don't visit the property) will make it harder to secure higher fees for standard GSE work.
Operational Shift: To survive, you must upgrade your tech. If you don't use mobile tools to capture this granular data in the field, you'll be stuck with hours of manual re-entry at your desk. Many independent appraisers are expected to leave lender work entirely for private niches (estates, legal) to avoid these rigid requirements.

 

[Alsie35]

Thread 'Poll - How Likely Are You To Retire Before Implementation Of The Uad 3.6 Abomination?'

Dec 15, 2025

Let's have a bit of fun ... I know that it is kind of early, but ... let's test the waters shall we, then re-run the poll again and see which way it is going in a few months when the new software is made available for trial ...

• Alsie35
• Replies: 273
• Forum: Fannie Mae, Freddie Mac, USPAP

 

[Alsie35]

Thread 'Gse's UAD 3.6 Likely Delayed Til Late '27/'28 - (copilot Analysis Today)'

Feb 19, 2026

As you read this, remember that a local "AF Nostradamus" predicted this outcome last year

FROM COPILOT TODAY:

A realistic revised UAD 3.6 timeline starts with one unavoidable fact: nothing in the past six months suggests the ecosystem is anywhere near the pace required for a November 2026 mandate. The newest industry reporting reinforces this—Broad Production is technically open, but adoption is thin, readiness is low, and vendors are unevenly prepared. )

What follows is a phase‑by‑phase projection of where the rollout should be versus where it actually is, and the...

• Alsie35
• Replies: 81
• Forum: Fannie Mae, Freddie Mac, USPAP

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[Sadie]

I have noticed some things.
1 some companies acquiring other AMCs
2 some companies only doing hybrids and desktops
3 waivers requiring no appraisal
4 advertising campaign to employ appraisers and work direct with lender
5 competition with in house versus independent appraisers

UAD 3.6 turns the appraisal into a "digital product," impacting appraisers in three ways:
Increased Workload: You will spend more time per report. The move from static forms to dynamic data entry requires room-by-room details and 150+ new data fields (like door threshold heights and broadband status), increasing inspection and entry time by 15–20%.
Fee Pressure: While the extra work justifies a 10–20% fee increase, competition from automated waivers and "hybrid" models (where you don't visit the property) will make it harder to secure higher fees for standard GSE work.
Operational Shift: To survive, you must upgrade your tech. If you don't use mobile tools to capture this granular data in the field, you'll be stuck with hours of manual re-entry at your desk. Many independent appraisers are expected to leave lender work entirely for private niches (estates, legal) to avoid these rigid requirements.

I have come to the conclusion the only way to adequately appraise a property in 3.6 is to work the sales grid in the legacy form and copy it over. What a swell idea!

 

[OSU Beavers]

At our local appraisal board meeting a national expert testified that 3.6 will cause 15% of the appraiser’s to quit. He also said that only 22% of alamode customers use the Total Mobile app. Are the other 78% going to pick up an iPad by November?

 

[HVNY]

Currently I am swamped with almost 20 assignments but I only have 1 FANNIE appraisal on my desk.

 

[Alsie35]

At our local appraisal board meeting a national expert testified that 3.6 will cause 15% of the appraiser’s to quit. He also said that only 22% of alamode customers use the Total Mobile app. Are the other 78% going to pick up an iPad by November?

As usual with most fake experts read all experts the guys blowing his out of his ***. I'll eat my hat if less than one half of the appraisers quit after the Abomination kicks in.

 

[Ca Ar Independent]

As usual with most fake experts read all experts the guys blowing his out of his ***. I'll eat my hat if less than one half of the appraisers quit after the Abomination kicks in.

Those that can will quit. No question. The Abomination does not need appraisers, it has AI and work slop to polish and package and call an appraisal. Good, bad, it doesn't matter since it will be fast and cheap and any monkey can push the buttons. Credible? with a data overload who will unscramble the mess? The genie is out of the bottle and we can't make a wish.

 

[Amy Perkins]

At our local appraisal board meeting a national expert testified that 3.6 will cause 15% of the appraiser’s to quit. He also said that only 22% of alamode customers use the Total Mobile app. Are the other 78% going to pick up an iPad by November?

The AMC is in control of the software and you use theirs, tech giants are creating AMCs. Get ready for the industry takeover and pay at $115 per report!!!

 

[Doug Wegener]

At our local appraisal board meeting a national expert testified that 3.6 will cause 15% of the appraiser’s to quit. He also said that only 22% of alamode customers use the Total Mobile app. Are the other 78% going to pick up an iPad by November?

I am trying to find a reason to continue.3.6 requires a major investment of time. Why go to all the hassle to do difficult assignments for the most part for AMC's that mostly dont want to pay an adequate fee? They are making it hard to want to continue.