New Appraisal Standards Could Change Transactions

ORLANDO, Fla. – Appraisal reporting is undergoing a major overhaul nationwide. The changes began in September 2025. Lenders will phase in the Uniform Appraisal Dataset (UAD 3.6), a more structured format designed to replace long-standing forms and improve clarity, accuracy and consistency in GSE-conforming transactions.

UAD 3.6 is designed to make property details clearer and easier to interpret through a standardized, data-driven structure. Florida Realtors® reminds members they should understand these changes to be better equipped to guide customers, coordinate with lenders and navigate the new appraisal process smoothly.

Appraisal process changes

• Phase-in started September 2025 – Lenders were able to begin adopting the Uniform Appraisal Dataset (UAD) 3.6, with full use required for all GSE-conforming appraisals by November 2026.
• Replacing outdated forms – The new system moves away from rigid, decades-old appraisal forms to a dynamic structure that adjusts to the property being evaluated.
• More structured and detailed – UAD 3.6 standardizes data entry, displays more relevant sections for each property type, and integrates photos, quality and condition ratings, and other key details directly into the report.
• Greater clarity and transparency – Information will be easier to read and interpret for appraisers, lenders, and consumers, reducing the need for lengthy narrative notes.
• Preparation is key – Agents and brokers should understand the coming changes so they can answer customer questions and work smoothly with lenders and appraisers during the transition period. The new data requirements are more exhaustive. Listing agents should be prepared to speak with the seller about these new data requirements.

The rollout of the changes is happening in four phases:

Sept. 8, 2025 – Limited production period launched

• Lenders approved to participate in the initial Limited Production Period can submit appraisal reports in UAD 3.6 format.
• Lenders not participating in the initial Limited Production Period will continue to obtain appraisal reports on the legacy GSE appraisal forms (UAD 2.6).

Jan. 26, 2026 – Broad production period began

• All lenders can submit UAD 3.6 appraisal reports.
• Appraisals may be ordered for either UAD 2.6 or 3.6 at the lender's discretion.

Nov. 2, 2026 – Mandate begins

• All new appraisal reports submitted must be in UAD 3.6.
• The only exemption to using UAD 3.6 is for revisions of appraisals previously delivered under UAD 2.6.

May 3, 2027 – Legacy UAD retirement

• The exemption for UAD 2.6 revisions ends; all GSE appraisal reports must comply with UAD 3.6.

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