Appraisal Reports Are Changing: What Oklahoma Realtors Should Know About UAD 3.6

 

Beginning November 2, 2026, new appraisal reports submitted to Fannie Mae and Freddie Mac through the Uniform Collateral Data Portal must use UAD 3.6. New reports using the older UAD 2.6 format will receive an unsuccessful submission status.

For Realtors, this is not simply an appraisal-industry technology update. It is a reminder that accurate, organized property information can materially affect the efficiency of a mortgage transaction.

UAD 3.6 introduces a more structured and detailed approach to describing residential property characteristics. Realtors are not responsible for determining appraisal condition ratings, quality ratings, or market value. However, listing and transaction teams can help ensure that the underlying facts are readily available.

A useful property-information packet might include:

  • A complete list of renovations and approximate completion dates

  • Permits or contractor documentation when available

  • Accurate concessions and seller-paid expenses

  • HOA dues and project contact information

  • Confirmation of property type

  • Information about additions, conversions, accessory units, and outbuildings

  • Manufacturer and HUD-label information for manufactured homes

  • Plans and specifications for new construction

  • Documentation concerning solar panels or other unusual features

Providing information does not guarantee a particular value. It gives the appraiser and lender a clearer factual record and may reduce avoidable follow-up requests.

The transition could also create temporary bottlenecks as lenders, appraisers, appraisal-management companies, and software providers adjust. Automated underwriting appraisal waivers may help on eligible loans, but a waiver should never be assumed.

The practical approach is to prepare early, communicate unusual property characteristics before the appraisal is ordered, and allow sufficient time in the contract. Better information will not manufacture value—but it can help create a cleaner, more predictable process.



Location: Tulsa, OK, USA

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