10/18/2026
🍂🏡 WATCH THE WEBINAR: UAD 3.6 APPRAISAL UPDATES 🏡🍂
The latest UAD 3.6 webinar covered important changes that may affect buyers, sellers, and real estate professionals. Here are answers to a few questions that came up repeatedly:
✨ Where can I see a sample report?
Fannie Mae provides example UAD 3.6 reports, without photos, in Appendix D of the UAD 3.6 Documentation section of its Uniform Appraisal Dataset page. Freddie Mac also offers UAD 3.6 sample scenarios.
📅 When does UAD 3.6 take effect?
Lenders can order UAD 3.6 reports voluntarily now. Beginning November 2, any appraisal submitted to Fannie Mae or Freddie Mac for the first time must use the UAD 3.6 format.
⏱️ How long will appraisals take?
Turn times will depend on the local market. Areas with plenty of appraisers may see faster service, while areas with limited appraiser availability could experience somewhat longer wait times. As appraisal software becomes more efficient, the process may speed up over time.
🏡 What about unpermitted work?
Unpermitted additions and improvements may still be included in an appraisal report. Appraisers generally consider local practices and market expectations. However, unpermitted work can become a concern if it creates a zoning violation or other significant issue.
🏠 Will appraisers go on the roof?
Typically, no. Appraisers will note obvious concerns, such as missing shingles or visible signs of leaks. If there is a potential roofing issue, a professional roofer’s inspection may be recommended or required.
⬇️ How is a finished basement valued?
There is no single formula. Value depends on how the local market views finished below-grade space, including factors such as ceiling height, access, windows, and walkout features. Finished below-grade area is now reported separately from above-grade living area.
📄 Who receives a copy of the appraisal?
The appraisal report belongs to the lender, which is the party that ordered it. Please check with me regarding what may be shared in your specific transaction.
Understanding appraisal updates can help you feel more prepared throughout the buying or selling process. If you have questions about how UAD 3.6 may affect your transaction, I’m here to help explain what I can and connect you with the right professionals when needed.
📲 Reach out today! Let’s talk about your next move.
https://us06web.zoom.us/rec/play/yzZHKU2e3Ea1XHbJu-ACH8YnblOOEbNQbQfEsA5GePyfRU-E6Y9x0jH7onyw7bhw6fNrUDSYstde5JqP.1HqJdD3xxLUm3K4D?accessLevel=meeting&canPlayFromShare=true&from=share_recording_detail&continueMode=true&oldStyle=true&componentName=rec-play&originRequestUrl=https%3A%2F%2Fus06web.zoom.us%2Frec%2Fshare%2F9SlY4fo4Tw5uKjz64mpWrjIigPo3owQaWxrEj4ZqvnRW_0gOc6vYbJRrSY18txA5.R1yry97ZtZ2F3Z_y
Melissa Newkirk | United Real Estate Strive 212
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Check out this Presentation designed by Brittney Trimmer.