Andrea' Stoute - Mortgage Loan Originator- NMLS# 781822

Andrea' Stoute - Mortgage Loan Originator- NMLS# 781822 Faith, Family and Financing. It's what I do.

American South Mortgage Lending
NMLS : 69331
https://www.nmlsconsumeraccess.org/
Equal Housing Opportunity
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🏡 REALTORS® — PART 2: LET'S TALK APPRAISALS!With the UAD 3.6 changes coming November 2, there are a few things you can d...
09/21/2026

🏡 REALTORS® — PART 2: LET'S TALK APPRAISALS!

With the UAD 3.6 changes coming November 2, there are a few things you can do BEFORE the appraisal is ordered that can help keep the process moving.

Here are 5 things I want every agent to have on their radar:

1️⃣ SHARE THE MLS LISTING
Make sure your lender has the most current and accurate property information.

2️⃣ FLAG ADDITIONS & RENOVATIONS
Tell us about additions, remodels, ADUs, pools, outbuildings and other unique features.

3️⃣ DOUBLE-CHECK SQUARE FOOTAGE
Make sure the square footage, room count and property characteristics being marketed are accurate and consistent with available records when possible.

4️⃣ GATHER SUPPORTING DOCUMENTATION
Have permits, plans or other documentation available when applicable.

5️⃣ COMMUNICATE ANYTHING THAT COULD AFFECT VALUE
Condition issues, repairs, easements, disputes, unusual features or other relevant information shouldn't be a surprise.

💡 The takeaway?

The more accurate information available upfront, the easier it is for the appraiser and lender to understand the property — and the smoother the process can be.

And remember: UAD 3.6 becomes mandatory for NEW appraisal submissions to UCDP beginning November 2, 2026. The mandate is based on the initial UCDP submission date, not simply when the appraisal was ordered or when the appraiser inspected the property.

REALTORS®, save this post!
And if you're working on a conventional transaction and have questions about how these changes may affect your appraisal, let's talk before you order it. ❤️🏡

🚨 REALTORS — PUT NOVEMBER 2 ON YOUR RADAR! 🚨There’s a big change coming to residential appraisals, and it’s going to aff...
09/17/2026

🚨 REALTORS — PUT NOVEMBER 2 ON YOUR RADAR! 🚨
There’s a big change coming to residential appraisals, and it’s going to affect conventional transactions here in Louisiana.
Beginning November 2, 2026, UAD 3.6 becomes mandatory for new appraisal reports submitted to Fannie Mae & Freddie Mac.

So what does that mean for YOU?

🏡 The old appraisal forms are changing.
The familiar appraisal forms are being replaced by a new, dynamic Uniform Residential Appraisal Report (URAR).

📸 More detailed property reporting.
Expect more structured information about the property, condition, features, measurements and photos.

⏰ TIMING MATTERS.
The November 2 deadline is based on the appraisal's initial submission to the Uniform Collateral Data Portal (UCDP) — not simply the date the appraisal was ordered or the date the appraiser inspected the home.

💡 Why should REALTORS care?
Because anything that affects the appraisal — property improvements, additions, condition, measurements, accessory structures, permits, comparable sales and more — can become even more important to have accurately documented.
This isn't something to panic about. It's something to understand and prepare for.

If you're a REALTOR working with buyers or sellers, let's talk about what these changes could mean for your upcoming conventional transactions.

📲 Reach out before your next appraisal is ordered. Let's make sure you're prepared!
— Andrea’ Stoute
Mortgage Expert

Information provided for educational purposes. UAD 3.6 requirements apply to applicable Fannie Mae/Freddie Mac appraisal submissions. Always follow current agency and lender-specific requirements.

The underlying change is confirmed by both Fannie Mae and Freddie Mac: UAD 3.6 is mandatory for new appraisal submissions on or after November 2, 2026, while UAD 2.6 revisions can continue during the transition period through May 3, 2027. �
Fannie Mae +1

Friday was another fantastic day for a closing. Wrapping up the 4th one for the busy week. Congratulations to my 1st tim...
07/18/2026

Friday was another fantastic day for a closing. Wrapping up the 4th one for the busy week. Congratulations to my 1st time homebuyers! Super excited for their future memories in their new Home!

Its been a busy week! Happy Friday yall!
07/17/2026

Its been a busy week! Happy Friday yall!

Another happy client and another home funded! This one is super exciting because this is the one that I wouldnt take NO ...
07/16/2026

Another happy client and another home funded! This one is super exciting because this is the one that I wouldnt take NO for an answer!

This has definitely been a week made for the books. These 1st time home buyers went to battle on multiple homes, but the...
07/16/2026

This has definitely been a week made for the books. These 1st time home buyers went to battle on multiple homes, but they weren't meant to be. They stayed in the fight and kept pushing until the Lord lined them up with the one that was meant for them! Happy homeownership to this sweet couple as well!

Tuesday was another Great day for an early closing. We were preparing for August due to an amazing Job opportunity, but ...
07/15/2026

Tuesday was another Great day for an early closing. We were preparing for August due to an amazing Job opportunity, but with the best supervisor on board we got proper documentation and wrapped up almost a whole month early! Congrats to these amazing 1st time homebuyers!

I DONT TAKE "NO" FOR AN ANSWER! When the situation just makes sense.....you have to paint the picture for the Underwrite...
07/08/2026

I DONT TAKE "NO" FOR AN ANSWER!

When the situation just makes sense.....you have to paint the picture for the Underwriter... we were denied 3 times they werent seeing it I guess.... It didnt stop me! The beauty of working with a Broker like me... I fight the fight and do all the leg work.

Today we are CLEAR TO CLOSE!

Today was a DSCR investment type of closing day! Another investor building generational wealth. She said... ILL SEE YOU ...
07/01/2026

Today was a DSCR investment type of closing day! Another investor building generational wealth. She said... ILL SEE YOU NEXT YR FOR MY NEXT ONE!

Music to my ears. .... Investors. DSCR RATES ARE BETTER THAN COMMERCIAL RATES. AND ITS Fixed! Set it and forget it! Call...
06/26/2026

Music to my ears. .... Investors. DSCR RATES ARE BETTER THAN COMMERCIAL RATES. AND ITS Fixed! Set it and forget it! Call for more info. No income docs required!

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1021 Camellia Boulevard
Lafayette, LA
70508

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