UAD 3.6 Appraisals — The New Requirement Real Estate Agents and Brokers Need to Know!!

When a mortgage transaction requires an appraisal, an on-time closing depends on

timely appraisal completion.

Missing essential property and sale data can delay the report and the closing.

Effective November second, twenty twenty-six, new appraisal reports initially

submitted to Fannie Mae and Freddie Mac's portal must use the UAD

three point six format.

The new reporting calls for more detailed subject property information.

Gathering it can mean longer inspections and more research.

Every missing fact can become another phone call, another email, and another wait.

The problem is especially important for sold comparables.

Appraisers need more detailed information than before to support the new reporting.

Information may be missing, left blank, buried in remarks, or excluded from the

software export.

Preserve useful sale-time photographs, property details, and transaction evidence.

Better information reduces avoidable chasing but does not replace independent

verification.

Waiting for essential information can delay the appraisal and the closing.

Appraisers need the executed contract and relevant addenda, including any personal

property conveyed.

For the roof, provide the replacement date and records.

Identify updates to each kitchen and bathroom.

For additions and conversions, what do permit records show?

For each accessory dwelling unit, identify basement, attached, detached, or above

garage location, separate access and approval

records.

Well or septic?

Is public water or sewer available to the site?

For solar, document ownership, leases, or financing.

Our agent information checklist organizes these facts with common items first and

specialized features last.

Missing information can delay appraisals, derail deals, and increase appraisal fees

when additional work is required.

Unresolved questions mean more research, more phone calls, and more time.

If the appraisal is delayed, the closing date may slip.

Buyers and sellers can face added costs, renegotiation, interest rate changes, or a

deal that falls apart.

A more demanding scope of work can also justify a higher appraisal fee.

More complete MLS data helps reduce time spent on phone calls, emails, and texts.

Remember, if the appraiser cannot verify essential data promptly, the appraisal

process slows down and waits.

Start with zoning.

What is the current district and what does it permit?

Is the present use legal or grandfathered?

If destroyed, can the property be rebuilt to the same use and density?

Grandfathered status does not automatically establish rebuilding rights.

Obtain the authority's records.

For new construction, supply current plans, specifications, changes, and completion

status.

Is a certificate of occupancy required?

Is it final, temporary, or still pending?

If information cannot go in MLS, provide it through the lender or appraiser's

authorized channel.

Protect confidential documents.

Use the checklist: ready, follow-up, unknown, or not applicable.

Skip features that are absent.

Provide facts, sources, and dates, not appraisal ratings or value conclusions.

Prepare records before inspection.

The appraiser has a deadline.

Missing essential data creates waiting and extra work.

MLS leaders should improve fields and access.

Brokers and agents should supply the remaining information.

Appraisal delays can break deals.

Get usable information to the appraiser early, not after repeated requests.