UAD 3.6 discussion

[BRCJR]

As usual JG just presents one sided information. Here is "the rest of the story".

Yes—UAD 3.6 (certified by the GSEs as the new standardized appraisal format) can bring real benefits for lenders—especially in efficiency, data quality, and loan‐process clarity. Here’s a breakdown:

---

1. Streamlined Ordering & Submission​

• 
  
• Dynamic reports replace multiple static URAR forms (e.g., 1004, 1073), so appraisers no longer need to choose a specific form number. Lenders simply specify property type and inspection scope, and the system generates the relevant sections Reddit+15Class Valuation+15Freddie Mac+15.
• 
  
• The new UCDP interface (Sept 2025) supports this streamlined submission automatically Fannie Mae Selling Guide+3Fannie Mae Single-Family+3Fannie Mae Selling Guide+3.

---

2. Better Data Consistency & QC​

• 
  
• UAD 3.6 mandates more discrete (structured) data fields, enabling tighter automated business‐rule enforcement and fewer manual corrections Class ValuationMBA Newslink.
• 
  
• It supports a Compliance API to validate data structure and logic before lender submission Fannie Mae Single-Family+6Freddie Mac+6Reddit+6.

---

️ 3. Higher‑Quality Appraisal Inputs​

• 
  
• You'll receive standardized photo tagging, clear sketches/floor plans, and enhanced descriptive data—leading to better underwriting risk assessments and reduced need for resubmissions McKissock Learning+3Fannie Mae Single-Family+3MBA Newslink+3.
• 
  
• Since the form adapts to the assignment type, lenders avoid unnecessary data collection and appraisers don’t complete irrelevant sections Reddit+2Reddit+2Reddit+2.

---

4. Efficiency Gains & AI Potential​

• 
  
• Once integrated, UAD 3.6’s structured format lets lenders use automation and AI tools (e.g., photo‑tagging, data analytics), helping highlight inconsistencies and accelerate underwriting Reddit+15MBA Newslink+15McKissock Learning+15.
• 
  
• Fewer revision rounds and faster loan cycle times are expected—especially as systems mature Reddit+2MBA Newslink+2Reddit+2.

---

5. What Your Implementation Timeline Should Be​

Phase	Dates	Lender Impact
Limited Production	Sept 8, 2025 – Jan 25, 2026	Pilot with select lenders; early UI/control testing Class Valuation+1Fannie Mae Single-Family+1
Broad Production	Jan 26 – Nov 1, 2026	Systems support both UAD 2.6 and 3.6 McKissock LearningClass Valuation
Mandatory Go‑Live	Nov 2, 2026	UAD 3.6 required for all GSE‑eligible loans Fannie Mae Single-FamilyMcKissock Learning

Lenders should start early: update LOS systems, scale infrastructure for ZIP uploads (inc. images), train teams, and connect with AMCs/software for compliance readiness MBA Newslink.

---

6. Points of Caution​

• 
  
• Appraiser workload & cost: Appraisers report increased inspection scope, potentially driving up their fees—lenders may need to accept higher costs or face pushback Freddie Mac+5Reddit+5Reddit+5.
• 
  
• Learning curve & systems changes: LOS, appraisal‑ordering interfaces, UCDP integration, and data storage all need updates—expect transitional pains.
• 
  
• Risk of commoditization: Some worry that the standardized format could pave the way for lower‑cost data collectors or automation, increasing competitive pressure Fannie Mae Selling Guide+3Fannie Mae Single-Family+3Fannie Mae Selling Guide+3.

---

Verdict: Yes, It’s Beneficial—for Lenders Who Prepare​

Lenders who invest early in system upgrades, training, and AMCs/software readiness can gain:

• 
  
• Smoother ordering workflows
• 
  
• Stronger data integrity
• 
  
• Tighter QC and fewer re‑requests
• 
  
• Seamless integration with modern underwriting systems—including AI tools

But those who delay risks facing compliance issues, slower loan cycles, and tech‑driven disruptions in the mortgage space.

 

[J Grant]

As usual JG just presents one sided information. Here is "the rest of the story".

Yes—UAD 3.6 (certified by the GSEs as the new standardized appraisal format) can bring real benefits for lenders—especially in efficiency, data quality, and loan‐process clarity. Here’s a breakdown:

---

1. Streamlined Ordering & Submission​

• 
  
• Dynamic reports replace multiple static URAR forms (e.g., 1004, 1073), so appraisers no longer need to choose a specific form number. Lenders simply specify property type and inspection scope, and the system generates the relevant sections Reddit+15Class Valuation+15Freddie Mac+15.
• 
  
• The new UCDP interface (Sept 2025) supports this streamlined submission automatically Fannie Mae Selling Guide+3Fannie Mae Single-Family+3Fannie Mae Selling Guide+3.

---

2. Better Data Consistency & QC​

• 
  
• UAD 3.6 mandates more discrete (structured) data fields, enabling tighter automated business‐rule enforcement and fewer manual corrections Class ValuationMBA Newslink.
• 
  
• It supports a Compliance API to validate data structure and logic before lender submission Fannie Mae Single-Family+6Freddie Mac+6Reddit+6.

---

️ 3. Higher‑Quality Appraisal Inputs​

• 
  
• You'll receive standardized photo tagging, clear sketches/floor plans, and enhanced descriptive data—leading to better underwriting risk assessments and reduced need for resubmissions McKissock Learning+3Fannie Mae Single-Family+3MBA Newslink+3.
• 
  
• Since the form adapts to the assignment type, lenders avoid unnecessary data collection and appraisers don’t complete irrelevant sections Reddit+2Reddit+2Reddit+2.

---

4. Efficiency Gains & AI Potential​

• 
  
• Once integrated, UAD 3.6’s structured format lets lenders use automation and AI tools (e.g., photo‑tagging, data analytics), helping highlight inconsistencies and accelerate underwriting Reddit+15MBA Newslink+15McKissock Learning+15.
• 
  
• Fewer revision rounds and faster loan cycle times are expected—especially as systems mature Reddit+2MBA Newslink+2Reddit+2.

---

5. What Your Implementation Timeline Should Be​

Phase	Dates	Lender Impact
Limited Production	Sept 8, 2025 – Jan 25, 2026	Pilot with select lenders; early UI/control testing Class Valuation+1Fannie Mae Single-Family+1
Broad Production	Jan 26 – Nov 1, 2026	Systems support both UAD 2.6 and 3.6 McKissock LearningClass Valuation
Mandatory Go‑Live	Nov 2, 2026	UAD 3.6 required for all GSE‑eligible loans Fannie Mae Single-FamilyMcKissock Learning

Lenders should start early: update LOS systems, scale infrastructure for ZIP uploads (inc. images), train teams, and connect with AMCs/software for compliance readiness MBA Newslink.

---

6. Points of Caution​

• 
  
• Appraiser workload & cost: Appraisers report increased inspection scope, potentially driving up their fees—lenders may need to accept higher costs or face pushback Freddie Mac+5Reddit+5Reddit+5.
• 
  
• Learning curve & systems changes: LOS, appraisal‑ordering interfaces, UCDP integration, and data storage all need updates—expect transitional pains.
• 
  
• Risk of commoditization: Some worry that the standardized format could pave the way for lower‑cost data collectors or automation, increasing competitive pressure Fannie Mae Selling Guide+3Fannie Mae Single-Family+3Fannie Mae Selling Guide+3.

---

Verdict: Yes, It’s Beneficial—for Lenders Who Prepare​

Lenders who invest early in system upgrades, training, and AMCs/software readiness can gain:

• 
  
• Smoother ordering workflows
• 
  
• Stronger data integrity
• 
  
• Tighter QC and fewer re‑requests
• 
  
• Seamless integration with modern underwriting systems—including AI tools

But those who delay risks facing compliance issues, slower loan cycles, and tech‑driven disruptions in the mortgage space.

As usual, 90% of your post content is personal attack and the 10% above, it is also one side of the story- what source is it from? I named my source AI.
You have proven yourself unprofessional in your focus on personal attacks; therefore, I normally keep you on ignore. I suggest you put me on ignore as well. It will save us both time in the future.

 

[BRCJR]

As usual, 90% of your post content is personal attack and the 10% above, it is also one side of the story- what source is it from? I named my source AI.
You have proven yourself unprofessional in your focus on personal attacks; therefore, I normally keep you on ignore. I suggest you put me on ignore as well. It will save us both time in the future.

How is stating you are more one-sided, than not, a personal attack? I think it more an observation. I do not call you names nor insult you. Show me one insult I have directed at you. I state my observations and opinions- you just do not like that I "call out" one sided presentations.

I have zero people on ignore (and have never done so). I am not over sensitive about others' opinions on this forum.

Source: ChatGPT

Again, I do not feel the need to put people on ignore because I do not like what they say.

P.S. save yourself time and keep me on ignore AND do not reply to anything I post. Problem solved, for you.

 

[Overimprovement]

No doubt that some AMC and lenders are partially at fault, but so are some appraisers, especially the boilerplate crap that I see on a regualr basis that disclaims that appraisers know anything about condition, quality, home constuction, construction costs, etc.

Now I do agree the boilerplate some appraisers hope absolve them from extracting or supporting adjustments is garbage. I got frustrated the powers that be never seemed to call that out. I see a lot of that in commercial reports now that I review those a lot.

 

[Dublin ohio]

Limited Production

Sept 8, 2025 – Jan 25, 2026

Pilot with select lenders;

The above may be an issue from what I heard from one of my lenders. Only one lender has signed up for the limited production period

 

[timd354]

I see a lot of that in commercial reports now that I review those a lot.

I review partial release requests and some of the eminent domain/ROW appraisals I see are completely absurd.....I recently reviewed one that involed a 30' wide sewer line easement that ran along the rear edge of a 1/2 acre lot and the aprpaisal report was over 50 pages long with maybe a total of 4 or 5 pages that provided any relevant information and analysis.

 

[timd354]

AI Overview


+8

Lenders on Reddit have mixed opinions on the new UAD 3.6 appraisal form, with some expressing concerns about increased workload and potential cost increases, while others see it as a necessary modernization of the appraisal process. Many lenders anticipate higher appraisal fees due to the increased data requirements and complexity of the new form. Some are also concerned about the potential impact on appraisal factories and the need to adapt to new software and workflows.

Here's a more detailed breakdown of lender opinions:
Concerns:

• Increased Workload and Complexity:
  The new UAD 3.6 form requires more detailed data and analysis, which could significantly increase the time and effort required for each appraisal.
  
  
• Potential for Higher Fees:
  Many lenders anticipate that the increased workload will necessitate higher appraisal fees to compensate for the additional time and effort.
  
  
• Impact on Appraisal Factories:
  Some lenders worry that the new form could further incentivize appraisal factories, which may prioritize speed over quality, potentially leading to issues with data accuracy and consistency.
  
  
• Software Adaptation:
  Lenders will need to invest in new appraisal software or upgrade existing software to be compatible with the UAD 3.6 format.
  
  
• Liability Concerns:
  Some lenders are concerned about the increased liability associated with estimating repairs or other property-related issues on the new form.

The idiocy posted on Reddit.....what a great and credible source to support your opinion!

 

[timd354]

Limited Production

Sept 8, 2025 – Jan 25, 2026

Pilot with select lenders;

The above may be an issue from what I heard from one of my lenders. Only one lender has signed up for the limited production period

I would expect limited production to be extremely limited during the limited production period from what I have heard about lender participation.

 

[J Grant]

The idiocy posted on Reddit.....what a great and credible source to support your opinion!

My source was the overview from AI - which included lenders' feedback on Reddit.

What was your source? Why are you being such an a** about this with me? I usually agree with and like your posts.

 

[BRCJR]

My source was the overview from AI - which included lenders' feedback on Reddit.

What was your source? Why are you being such an a** about this with me? I usually agree with and like your posts.

Is calling someone an AZZ an insult, by your standards?