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
For decades, mortgage operations have been built around forms and documents.
UAD 3.6 is another step toward something different: more standardized, structured data moving between the systems involved in a mortgage.
The GSEs are replacing multiple static appraisal forms with a single, flexible reporting structure built around property and appraisal data. The new UAD is also aligned with MISMO 3.6, the industry standard designed to make mortgage data more consistent and easier for systems to exchange.
In other words:
Less focus on forms. More focus on data.
As that shift continues, lenders with highly manual processes will face increasing pressure to modernize.
When information is structured and standardized, systems have a better foundation for exchanging it, validating it and building more streamlined workflows around it.
UAD 3.6 is one change lenders need to prepare for today. But it also points toward the kind of mortgage infrastructure the industry is continuing to build.
What Calyx is doing
Point
For Point customers, some of this work is already in place.
Point 11.7 added support for manually uploading UAD 3.6 ZIP files into Document Storage. Point’s integrated appraisal-provider interfaces have also been updated to support the new format.
Point 11.8 is coming soon and will include a new UCDP interface for submitting UAD 3.6 appraisals to Fannie Mae and Freddie Mac. Point customers should make sure their licenses are current so they can receive the update.
We’ll provide additional help articles and a user guide when Point 11.8 is released.
Path
For Path customers, support for UAD 3.6 is already in place through several integrated appraisal providers.
Path can receive UAD 3.6 appraisal packages through those integrations today, with the contents placed in Document Storage. Additional provider support is also in progress.
The October Path release is planned to add support for manually uploading UAD 3.6 ZIP files into Document Storage. ZIP-file storage through integrated appraisal-provider workflows is also scheduled for the October release.
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 →