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Appraisals changed: UAD 3.6 explained

Home appraisals just got a major update. It's called UAD 3.6.

Fannie Mae and Freddie Mac replaced their separate appraisal forms with one data-driven report that works for any type of home.

It's required for new appraisals submitted to them on or after November 2, 2026, based on when the report is submitted, not when you applied.

Some lenders got a one-time exception to use the old format through May 19, 2027.

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