UAD 3.6 is required November 2. Your operation needs to be ready before then.
If your team hasn’t started preparing for UAD 3.6 yet, now is the time.
Fannie Mae and Freddie Mac are both moving to UAD 3.6, with the mandate beginning November 2, 2026.
We’ve gone through the readiness material from both GSEs and compared it with what our own teams are seeing as we prepare Calyx products for the transition.
There’s a practical reason we think lenders should start now.
Being ready for UAD 3.6 isn’t just about whether your LOS can handle it.
Your appraisal provider needs to be ready. Your team needs to know what’s changing. And there may be things in your current process—conditions, QC checklists, fees, mappings or internal documents—that were built around the appraisal forms you use today.
This is bigger than an appraisal format update. It’s an operations change.
One date we’d make sure your team understands
November 2 isn’t based on when the borrower applied for the loan or when the appraisal was completed. It’s based on when a new appraisal is first submitted to UCDP.
Starting November 2, a new UAD 2.6 appraisal submitted to UCDP won’t be accepted. But if a 2.6 appraisal was successfully submitted before November 2, revisions can still be submitted in the old format during the transition period.
That distinction matters.
Loans don’t organize themselves around implementation deadlines.
You’ll already have loans moving through your pipeline when November 2 arrives. If those loans aren't part of your transition planning, a failed UCDP submission could mean going back and redoing work on a loan that's already moving toward closing.
The loans in your pipeline on November 2 need to be ready for UAD 3.6. That’s why we recommend preparing now.
What we’d be checking now
Start with your appraisal provider.
Ask when they’ll be ready for UAD 3.6. Ask when you can start using the new format. And ask if there’s anything you need to do on your side first.
We’ve heard that some appraisal providers may not be ready yet. We don’t know how widespread that is, and we don’t want to make it sound bigger than we know it is.
But that’s exactly why we’d ask instead of assume.
Then look for anything built around today’s appraisal forms.
One of the bigger changes with UAD 3.6 is that the old appraisal form numbers are going away. Instead of choosing among the familiar forms used today, the new report changes based on the property and the appraisal being completed.
So where do those old form numbers show up in your operation?
Conditions are one place to check. So are QC checklists, mappings, engagement letters, internal procedures and training materials.
There may be nothing wrong with some of them.
You just don’t want to discover the ones that do need to change when a loan is already trying to close.
And start testing before you have to.
UAD 3.6 is already available. November 2 is when it becomes mandatory, not when lenders can begin using it.
If your systems and appraisal partners are ready, this is the time to learn the new process while you still have room to fix something that doesn’t work the way you expected.
There’s a bigger signal underneath all of this
UAD 3.6 isn’t changing just for the sake of changing appraisal forms.
The bigger goal is to make appraisal data more consistent and useful as it moves through the mortgage process. Instead of building the process around a collection of individual forms, the new approach is built around structured data that can adapt to the property and the appraisal being completed.
Better structured data creates more opportunity for systems to work together and for lenders to streamline processes that have historically been built around documents and forms.
UAD 3.6 is one piece of a much bigger modernization happening across the industry.
But getting the benefit of that modernization depends on the infrastructure around it. Appraisal providers, LOS platforms, integrations and lender workflows all need to be able to work with the new data.
The long-term opportunity is a more connected, streamlined mortgage process.
The work right now is making sure you’re ready for it.
What Calyx is doing
Point
For Point customers, some of this work is already in place.
Point 11.7 added support for importing and storing UAD 3.6 ZIP files in the loan file. Point’s integrated appraisal-provider interfaces have also been updated to support the new format.
A new UCDP interface built for UAD 3.6 is planned with Point 11.8, currently targeted for the end of September.
We’ll have more detailed instructions for Point customers as the transition gets closer.
Path
For Path customers, support for UAD 3.6 is already in place through several integrated appraisal providers.
Path can receive and store UAD 3.6 XML and ZIP packages through those integrations today, with additional provider support in progress.
The October Path release is also planned to add the ability to manually upload and store appraisal files received outside of those integrated workflows.
We’ll have more detailed instructions for Path customers as the transition gets closer.
Want to dig into it?
There’s a lot of material out there. These are the resources we’d start with.
Freddie Mac UAD 3.6 Lender Readiness Kit
This is the practical one. It walks through the timeline and the different parts of your operation worth checking before the transition.
Freddie Mac UAD 3.6 Resource Center
Start here if you need to go deeper. Freddie has collected its webinars, FAQs, training, job aids and other UAD 3.6 resources in one place.
Fannie Mae UCDP Learning Center
Fannie Mae has training and guidance for the UCDP transition, including video resources and FAQs.
Also on our radar
VantageScore 4.0 is moving forward in mortgage.
Mortgage has spent decades operating around a familiar credit scoring system. Now lenders have another accepted model to understand—and the differences go deeper than the number that appears on a credit report.
So for our next Calyx Sunlight Series, we’re bringing in Jason Jefferies, Director, Mortgage Client Success, and Dr. Andrada Pacheco, Chief Data Scientist at VantageScore, to go underneath the score and explain what’s actually happening.
This isn't a product demo. We want to understand how the model actually works.
If you originate, underwrite, sell or invest in mortgages, this is a conversation worth being part of.
Join the September 30 Sunlight Series →
