All NewsEducationTV
Equities & FundsCrypto & Digital AssetsAI & TechnologyBusiness & CorporateUS Politics & PolicyGeopolitics & Global RiskMacro, Rates & FXCommodities & EnergyEuropean Politics & MarketsAsia-PacificReal Estate & Property
All NewsHome
← Back to Real Estate & Property

Freddie Mac details UAD 3.6 update and strategic shift

Created at 26 Aug · 10:06 AM1 source↑ Market-relevant
IN SHORT

Freddie Mac's Senior Director of Provider Strategy and Distribution, Daniel Miller, discussed the upcoming UAD 3.6 update and its strategic implications for lenders, appraisers, and AMCs. The update aims to align with industry standards and streamline appraisal reports.

Key Numbers

November 2, 2026UAD 3.6 mandate deadline
3.6UAD version number

Who's Involved

Freddie Mac
Government-sponsored enterprise providing UAD 3.6 update
Daniel Miller
Senior Director, Provider Strategy and Distribution at Freddie Mac
Sarah Wheeler
Editor in Chief at HousingWire
MISMO®
Industry standard for appraisal data alignment
Freddie Mac details UAD 3.6 update and strategic shift

↳ Why This Matters

The UAD 3.6 update is crucial for streamlining the appraisal process, ensuring data consistency across the industry, and preparing for future technological advancements in mortgage lending. Early adoption is essential to avoid disruptions and ensure compliance with the upcoming mandate.

Key facts

  • Freddie Mac is rolling out UAD 3.6, a significant update to its Uniform Appraisal Dataset.
  • The UAD 3.6 initiative aims to update the dataset for appraisal reports submitted to GSEs and align with the MISMO® Reference Model.
  • All existing GSE appraisal forms will be replaced by a single, dynamic report designed to accommodate all property types.
  • The new UAD 3.6 mandate requires all appraisal reports submitted to the Uniform Collateral Data Portal (UCDP) to use the new standard by November 2, 2026.
  • Stakeholders, including lenders, appraisers, and Appraisal Management Companies (AMCs), are urged to begin implementation and training immediately to meet the deadline.

    • Freddie Mac is preparing for a significant update to its Uniform Appraisal Dataset (UAD) with the upcoming UAD 3.6 mandate, scheduled to take effect on November 2, 2026. This update represents a strategic shift for the housing industry, impacting lenders, appraisers, and Appraisal Management Companies (AMCs).

    Daniel Miller, Senior Director of Provider Strategy and Distribution at Freddie Mac, discussed the implications of UAD 3.6, emphasizing the need for early adoption. The initiative aims to update the appraisal report dataset to align with the current industry-standard MISMO® Reference Model. A key component of this redesign is the replacement of all existing GSE appraisal forms with a single, flexible, and dynamic report capable of covering all property types, thereby improving the review process and reducing revisions.

    Freddie Mac is providing various resources to aid in the transition, including a redesign timeline, a lender readiness kit, recorded webinars, and job aids covering photo and image requirements, ANSI reporting, and guidance for appraisers. The company stresses that the implementation process, including staff training and system testing, will take longer than anticipated, and waiting until the last minute could lead to liquidity challenges and implementation setbacks.

    The UAD 3.6 Subschema leverages MISMO Version 3.6 and includes specific data elements and enforcement rules. Freddie Mac has also provided documentation such as the UAD URAR Delivery Specification, URAR Implementation Guide, and URAR Layout to assist software vendors and users in translating data for submission via the Uniform Collateral Data Portal (UCDP).

    Frequently asked questions

    UAD 3.6 is an updated version of Freddie Mac's Uniform Appraisal Dataset, designed to align with industry standards and replace existing appraisal forms with a single, dynamic report.

    The mandate requires all appraisal reports submitted to the Uniform Collateral Data Portal (UCDP) to use UAD 3.6 by November 2, 2026.

    Lenders, appraisers, and Appraisal Management Companies (AMCs) are directly affected by the UAD 3.6 update.

    Freddie Mac offers a redesign timeline, lender readiness kit, webinars, and job aids to assist with the implementation of UAD 3.6.

    What Happens Next

    01Stakeholders must begin implementing UAD 3.6.
    02Staff training and system testing for UAD 3.6 should commence.
    03Appraisal reports must use UAD 3.6 for submission to UCDP by November 2, 2026.

    How It Developed

    Freddie Mac is implementing a UAD 3.6 update.
    The update aims to align with the MISMO® Reference Model.
    Existing GSE appraisal forms will be replaced with a single, flexible report.
    The new report will cover all property types and improve the review process.
    The UAD 3.6 mandate is set for November 2, 2026, requiring all appraisal reports submitted to UCDP to use UAD 3.6.
    Stakeholders are advised to begin implementation and training to avoid potential liquidity challenges and implementation hurdles.

    Sources

    T1
    Freddie Mac on the strategic shift of UAD 3.6HousingWire
    T2
    Uniform Appraisal Datasetsf.freddiemac.com
    T2
    Available Now in Broad Production: UAD 3.6 and Forms Redesignsf.freddiemac.com
    T2
    UAD and Forms Redesign: Enhanced Timeline and Updated FAQssf.freddiemac.com

    Related Stories

    US home prices rose 1.5% in June, but declined in real terms
    25 Aug · 3:26 PM
    Rate Recruits Top Dallas Mortgage Branch from CrossCountry
    25 Aug · 6:56 PM
    US New Home Sales Drop 10.5% in July as Prices Hit 5-Year Low
    25 Aug · 2:22 PM
    Japan considers condo sale tax changes to curb speculation
    25 Aug · 8:36 PM
    Retirees face wealth-cash flow disconnect, carrying average debt of $92,619
    25 Aug · 9:26 PM