HOME FINANCING · UPDATED OCTOBER 31, 2026

November 2026 Appraisal Changes

A new reporting format. A clearer preparation plan.

Download the Checklist PDF ↓Read the PDF ↗

What is changing?

Fannie Mae and Freddie Mac are transitioning to the Uniform Appraisal Dataset (UAD) 3.6 and a redesigned Uniform Residential Appraisal Report (URAR). The change replaces legacy forms with a flexible, data-driven report that organizes property information more consistently.

Two dates to understand

November 2, 2026: the mandate applies to new appraisal reports initially submitted to the Uniform Collateral Data Portal (UCDP), subject to approved exceptions. The trigger is the initial submission date—not the mortgage application date.

Through May 19, 2027: lenders with the applicable temporary policy exception may continue submitting legacy UAD 2.6 reports while transitioning. Ask your lender whether it has an exception and which format applies to your transaction.

This is a reporting and data-standard update. It does not mean every mortgage now requires an in-person appraisal, and it does not promise higher or lower property values. Confirm FHA, VA, USDA, waiver, and inspection requirements with the applicable lender and program.

Your preparation checklist

Buyers

Ask which appraisal format your lender is using.
Confirm expected delivery and review timing.
Discuss appraisal contingencies and any value shortfall promptly with your agent and lender.

Sellers

Gather renovation receipts, permits, and floor plans.
Document additions, solar ownership, outbuildings, and other distinctive features.
Provide safe access to the property and requested systems.

Agents and lending teams

Confirm lender transition and exception status.
Check property facts and separate verified details from estimates.
Coordinate software, vendor readiness, and submission timing without assuming automatic delays.

The visual overview

The infographic below is a quick summary. Read the timing details above and the downloadable checklist for the more precise scope and lender-exception guidance.

Mortgage appraisal changes checklist covering UAD 3.6, the November 2 deadline, lender exceptions, and preparation steps. An accessible text summary appears above. — Open the infographic to view it at full size. The PDF includes a detailed two-page checklist.

Download the Two-Page PDF ↓

Official guidance and next steps

Reviewed October 31, 2026. Confirm current requirements and transaction-specific timing with your lender.

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