UAD 3.6 is coming for lender files. Private work is a different lane.
Know what the date means — and what it doesn’t rewrite.
Approximately November 2, 2026
Fannie Mae and Freddie Mac’s UAD 3.6 is associated with lender and UCDP-bound mortgage appraisal work around November 2, 2026. Confirm the latest GSE and UCDP guidance — timelines can shift.
Do not ignore lender compliance
If you accept mortgage assignments that feed UCDP / GSE channels, prepare for UAD 3.6. This page is not permission to skip that prep. Private work is the hedge: a parallel book that never lived on that track — not a reason to skip lender readiness.
What uses UAD 3.6 — and what doesn’t
| Context | UAD 3.6 / UCDP path? |
|---|---|
| GSE lender / mortgage via UCDP | Yes — plan for readiness |
| Estate / probate | No |
| Divorce / equitable distribution | No |
| Tax appeal / assessment | No |
| Pre-listing / consulting (non-mortgage) | No |
Educational only — confirm assignment type, intended use, and current requirements.
That split is why Private Appraisal Group exists. Lender files are getting a heavier dataset. Estate, divorce, tax appeal, and pre-listing clients still need a local appraiser — and they pay you direct.