What's actually changing
For decades the report you received depended on the form: a 1004 for a house, a 1073 for a condo, a 1025 for a small income property. UAD 3.6 replaces those with one Uniform Residential Appraisal Report that adapts to the property, backed by a structured data standard. The report will look different, carry more discrete data, and be validated differently when it's submitted.
Why it matters: UAD 3.6 changes the dataset and reporting structure. The appraiser's responsibility to develop a supported opinion of value remains. Appraiser software, quality-control rules, delivery formats and the way underwriters read the report all need to be prepared for the new format.
When
What lenders should review
- A different report layout and data set for underwriting and QC
- Changes to submission, UCDP/EAD messaging and condition codes
- LOS, document and review-tool updates from your vendors
- Staff training on reading the dynamic report
- Overlap period with legacy forms on some products
What appraisers should review
- Form software updates and a new data-entry workflow
- More discrete fields, fewer free-text addenda
- Photo, sketch and floor-plan requirements
- Training and practice files before go-live
- What Avisso will ask you to confirm
How the reporting change affects an order
| Step | Today | Under UAD 3.6 |
|---|---|---|
| Order | Form selected by product (1004, 1073…) | Property type and scope drive the report |
| Assignment | Competency match | Competency match plus software readiness |
| Report | Form with addenda | Dynamic URAR, structured data |
| QC review | Form-based checklist | Data-driven rules and validation |
| Delivery | PDF + XML (UAD 2.6) | New XML schema; PDF rendered from data |
Lender readiness checklist
- Confirm your LOS and document vendors' UAD 3.6 release dates
- Identify which products enter limited production first
- Update underwriting and QC checklists for the dynamic report
- Plan staff training on the new layout and data fields
- Confirm how your AMC will verify appraiser software readiness
- Decide how legacy and new reports will be handled during overlap
- Set a go-live date and a fallback
Questions
For a defined overlap period, on some products, according to the GSE timeline. See the source note above.
UAD 3.6 changes the dataset and reporting structure. The appraiser's responsibility to develop a supported opinion of value remains.
Contact your Avisso representative to discuss the reporting requirements for your order.
Fannie Mae and Freddie Mac publish the UAD and URAR specifications and implementation guides. The Fannie Mae UAD page is linked in the source note above.
The technology is changing. The judgment behind the value isn't.
Contact Avisso about the reporting requirements for your orders.