What is the UAD 3.6 appraisal?
A UAD 3.6 appraisal is a modernized, data-driven residential property valuation report standard created by Fannie Mae and Freddie Mac.
What’s the purpose?
It replaces dozens of rigid legacy forms (like the traditional 1004, 1073 condo, and other forms, into one flexible URAR (Uniform Residential Appraisal Report)
When does this go into effect?
OCMBC, Inc will begin accepting the new UAD 3.6 format Thursday, October 15th 2026 for Conventional, FHA, and NONQM Loans while continuing to accept UAD 2.6 appraisals during the transition period. Below is our rollout timeline and what it means for each loan type:
· October 15th, 2026: Initial rollout. OCMBC begins accepting UAD 3.6 appraisals for Conv, FHA, and NONQM loan types.
· October 15 – December 31, 2026: Transition period. OCMBC will accept BOTH UAT 2.6 and UAT 3.6 appraisals.
· January 1st 2027: OCMBC fully transitions to UAD 3.6 for Conventional, FHA, and NONQM loans.
Additional Support:
• FAQ’s- FannieMae: FannieMaeFAQ_UAD3.6
• National Association of Realtors: Appraisal Ready: What Agents and Brokers Can Do Now for UAD 3.6
• Pre-Recorded Training Resources:
• Enact Training: Introduction to the New Appraisal Report (URAR)
• Fannie Offered Training: https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html