Fannie Mae and Freddie Mac Delayed UAD Update
Homeowners and buyers should be aware of a new appraisal reporting schedule that shifts mortgage deadlines through 2027.
Updated on Sept. 30, 2026 in Residential
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Fannie Mae and Freddie Mac have granted a temporary exception for adopting the updated Uniform Appraisal Dataset (UAD 3.6). This shift provides lenders and appraisers additional time to transition from the current 2.6 standard before the new requirements become mandatory.
Why it matters
This extension helps prevent potential delays in home financing by giving industry professionals more time to adjust their reporting processes. It ensures that mortgage pipelines remain stable as the industry prepares for the upcoming technical transition in spring 2027.
Sellers may continue using UAD 2.6 appraisals through February 28, 2027, before facing reduced functionality in March. Mandatory compliance for the new UAD 3.6 format takes effect on May 20, 2027.
The players
Fannie Mae
A government-sponsored enterprise that supports the secondary mortgage market by purchasing home loans from lenders.
Freddie Mac
A government-sponsored enterprise that provides liquidity to the mortgage market and sets national standards for appraisal reporting.
The details
During the transition period beginning March 1, 2027, the Collateral Underwriter will return a risk score of 999 and Loan Collateral Advisor will return a score of 99 for older UAD 2.6 appraisals. Submitting these outdated formats during this reduced functionality window means loans will lack necessary representation and warranty relief. To manage this shift, aggregators must coordinate with third-party originators or request specific policy exceptions from each GSE.
Timeline
Nov. 2, 2026: The exception period for UAD 2.6 appraisal submissions begins.
Feb. 28, 2027: The initial exception period for UAD 2.6 submissions ends.
March 1, 2027: The reduced functionality period for older UAD 2.6 submissions begins.
May 20, 2027: UAD 3.6 becomes mandatory for all new appraisal submissions.
The Home Front
This policy adjustment reflects the ongoing evolution of federal appraisal reporting standards that govern how home values are assessed for mortgage underwriting. It follows the established pattern of GSE technical updates designed to modernize property data collection across the housing market.
While these updates primarily impact lenders and appraisers, you should verify that your loan officer is aware of these timeline changes if you are closing on a property during 2027. If you are preparing for an appraisal, ask your professional whether they are compliant with the latest GSE dataset requirements to avoid potential delays.
The takeaway
This adjustment ensures that your mortgage appraisal process remains consistent while the industry migrates to a newer reporting framework. Keep track of the May 20, 2027 deadline to ensure any upcoming home appraisals follow the current regulatory standards required by your lender.
Further reading
For more on how industry changes affect your home financing, visit Residential.
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Do you trust that new mortgage appraisal requirements will ultimately benefit the home-buying process?
