UAD 3.6 and URAR: Fannie Mae and Freddie Mac Job Aids for November 2026
GSE UAD 3.6 job aids from June 23, 2026 cover lessons learned, photo requirements, and ANSI; mandatory use begins November 2, 2026 per GSE timeline.
Fannie Mae and Freddie Mac published Uniform Appraisal Dataset (UAD) 3.6 implementation resources ahead of the November 2, 2026 mandatory use date for the Uniform Residential Appraisal Report (URAR) in UAD 3.6 format.
On June 23, 2026, both GSEs released Lessons Learned job aids, Photo Requirements guidance, and ANSI-related implementation notes tied to the UAD 3.6 Policy Supplement. These are operational aids for lenders and appraisal management companies, not a substitute for the full Selling Guide / Seller/Servicer Guide appraisal chapters.
What changes with UAD 3.6?
UAD 3.6 replaces the legacy appraisal data file structure with a redesigned URAR and updated data delivery standards. Key broker-facing impacts:
- New report layout and data fields appraisers must populate in the URAR
- Stricter photo and exhibit rules documented in the June 2026 Photo Requirements job aid
- ANSI measurement standards referenced in GSE implementation materials for gross living area consistency
- Delivery through GSE portals using UAD 3.6 schemas after the mandatory date
Files with appraisal effective dates on or after November 2, 2026 should use UAD 3.6 compliant reports per GSE timelines unless an exception applies under published transition policy.
What do the June 23, 2026 job aids cover?
| Resource | Purpose | |----------|---------| | Lessons Learned | Common implementation errors from early adopters and pilot feedback | | Photo Requirements | Minimum photo types, angles, and labeling for URAR exhibits | | ANSI guidance | How GLA and measurement expectations align with UAD 3.6 fields |
Brokers do not complete these forms, but turn times and condition loops often shift when photo or data completeness fails GSE checks.
What should lenders do before November 2, 2026?
- Confirm AMC and panel appraiser readiness for UAD 3.6 URAR delivery.
- Align lock and closing timelines with potential re-inspection or photo add requests under new rules.
- Review Fannie and Freddie UAD landing pages for timeline updates; both GSEs have published countdown and FAQ material.
- Train processors on new appraisal review cues (photo sets, ANSI flags, revised URAR sections).
How does UAD 3.6 relate to other 2026 appraisal changes?
Announcement SEL-2026-06 (June 3, 2026) updated value acceptance topics in the Selling Guide and the UAD 3.6 Policy Supplement when rural high-needs value acceptance retired. UAD 3.6 implementation and value acceptance policy are separate workstreams but both affect appraisal workflow in second half 2026.
Where can brokers verify UAD 3.6 details?
- Fannie Mae: UAD 3.6 and Announcement SEL-2026-06
- Freddie Mac: UAD 3.6 and seller/servicer UAD implementation notices
For more on agency mortgage guidelines, see the Agency Guidelines hub.
This article is for informational purposes only and is not professional advice. Always verify against current guidelines before making decisions.
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