10/14/2026
Home appraisal reports are changing, and now is the time to organize your renovation records.
The new UAD 3.6 format captures more detail about your property’s condition, features, and improvements.
New roof, HVAC, windows, kitchen, or finished basement? Keep the invoices, contracts, before-and-after photos, and completion dates. If permits were required, save those and the final inspection approvals, too.
Clear records help an appraiser understand what changed and when. They don’t guarantee a higher value, and homeowners aren’t required to save every receipt.
November 2, 2026 is the official mandate for new appraisal submissions to Fannie Mae and Freddie Mac. Approved lenders can receive an extension through May 19, 2027.
Save this as your reminder to start a property improvement folder before you need it.