[{"data":1,"prerenderedAt":298},["ShallowReactive",2],{"blog-cat-uad-3-6":3},[4,55,96,129,164,198,231,263],{"slug":5,"title":6,"seoTitle":7,"description":8,"date":9,"updated":10,"category":11,"pillar":12,"howto":13,"keywords":14,"tags":25,"related":30,"faq":34,"words":53,"minutes":54},"uad-3-6-complete-guide","UAD 3.6: The Complete Guide for Residential Appraisers (2026)","UAD 3.6 Guide for Appraisers (2026) | Carat","UAD 3.6 explained for working appraisers: the redesigned URAR, MISMO 3.6 XML, the 728 compliance rules, the November 2, 2026 mandate and how to get ready.","2026-10-20","2026-10-25","uad-3-6",true,false,[15,16,17,18,19,20,21,22,23,24],"uad 3.6","uad 3.6 appraisal","uniform appraisal dataset 3.6","redesigned urar","uad 3.6 mandate","uad 3.6 for appraisers","uad 3.6 changes","new urar form","uad 3.6 compliance rules","mismo 3.6",[26,27,28,29],"UAD 3.6","URAR","MISMO 3.6","Compliance",[31,32,33],"uad-3-6-deadline-timeline","uad-3-6-replaces-1004-1073-1025-2055","uad-3-6-readiness-checklist",[35,38,41,44,47,50],{"q":36,"a":37},"When is UAD 3.6 mandatory?","UAD 3.6 is mandatory for new appraisal reports submitted to UCDP on or after November 2, 2026. The date is based on the initial UCDP submission date, not the loan application date or the effective date of the appraisal.",{"q":39,"a":40},"What is UAD 3.6?","UAD 3.6 is the redesigned Uniform Appraisal Dataset from Fannie Mae and Freddie Mac. It replaces the separate appraisal forms with one dynamic report, the redesigned URAR, delivered as MISMO 3.6 XML with a matching PDF and image files in a single zip.",{"q":42,"a":43},"Does UAD 3.6 change how I value a house?","No. The appraisal process, USPAP and your analysis stay the same. UAD 3.6 changes how the data is collected, structured and reported, and it asks for more of your reasoning in structured fields and commentary.",{"q":45,"a":46},"Can I still use the Form 1004 after November 2, 2026?","Only in limited cases. Sellers that obtained a one-time GSE policy exception may submit new UAD 2.6 reports through May 19, 2027, and resubmissions of UAD 2.6 reports are accepted through June 27, 2027. UAD 2.6 is retired on June 28, 2027.",{"q":48,"a":49},"Do appraisers submit UAD 3.6 reports to UCDP?","Usually not. The appraiser delivers the zip package to the client, and the lender or its AMC submits it to UCDP. FHA loans go to the FHA EAD portal.",{"q":51,"a":52},"Is there an approval appraisers need for UAD 3.6?","No. There is no appraiser certification for UAD 3.6. Software vendors can go through GSE verification, which is a vendor listing that lenders check, not an approval for the appraiser.",3159,14,{"slug":56,"title":57,"seoTitle":58,"description":59,"date":60,"updated":10,"category":11,"pillar":13,"howto":13,"keywords":61,"tags":71,"related":75,"faq":78,"words":94,"minutes":95},"ansi-z765-gla-uad-3-6","ANSI Z765 and GLA Under UAD 3.6: Measuring, Sketching and Below-Grade Space","ANSI Z765 and GLA Under UAD 3.6 | Carat","How ANSI Z765 and GLA work under UAD 3.6: ceiling heights, below-grade rules, nonstandard finished area, the measurement standard field and your sketch.","2026-10-16",[62,63,64,65,66,67,68,69,70],"ansi z765 uad 3.6","ansi z765","gla uad 3.6","ansi square footage appraisal","nonstandard finished area","below grade finished area","appraisal sketch uad 3.6","ansi z765-2021 appraisers","gross living area ansi",[72,73,74,26],"ANSI Z765","GLA","Sketch",[5,76,77],"redesigned-urar-vs-form-1004","uad-3-6-compliance-rules-fatal-warning",[79,82,85,88,91],{"q":80,"a":81},"Is ANSI Z765 required under UAD 3.6?","Fannie Mae has required ANSI Z765-2021 for measuring and reporting square footage on most single-unit appraisals with interior and exterior inspections since April 1, 2022. UAD 3.6 adds a Measurement Standard field to the report where you state whether you used ANSI, AMS or another standard.",{"q":83,"a":84},"What is nonstandard finished area in UAD 3.6?","Finished area with direct interior access that doesn't meet the ANSI ceiling height requirements, or that is reached only through unfinished space such as an unfinished hallway, room or staircase. It is reported separately above and below grade, with the reason in Unit Interior commentary.",{"q":86,"a":87},"Is a walkout basement above grade under ANSI?","No. Under ANSI, any level that is partially below grade is counted as below grade, including a walkout. The UAD 3.6 reference guide says partially below grade area is reported in the below grade finished area fields when ANSI is the applicable standard.",{"q":89,"a":90},"Does ANSI Z765 apply to condos and 2–4 unit properties?","Fannie Mae's guidance says ANSI is not used for apartment-style condos or co-ops, and it does not apply to 2–4 unit dwellings. Townhouse-style and other attached houses follow ANSI. In UAD 3.6, choose Other and enter Not Applicable due to property type when ANSI doesn't apply.",{"q":92,"a":93},"What ceiling height counts as GLA under ANSI?","Finished area generally needs a ceiling height of at least 7 feet. In a room with a sloped ceiling, at least half the finished area must be 7 feet or higher, and no portion under 5 feet is counted.",1654,7,{"slug":33,"title":97,"seoTitle":98,"description":99,"date":100,"updated":10,"category":11,"pillar":13,"howto":12,"keywords":101,"tags":110,"related":112,"faq":114,"words":127,"minutes":128},"UAD 3.6 Readiness Checklist: 20 Things to Do Before You Submit","UAD 3.6 Readiness Checklist: 20 Steps | Carat","A UAD 3.6 readiness checklist for appraisers: 20 practical steps covering clients, software, the zip package, compliance rules, sketches and your workfile.","2026-10-13",[102,103,104,105,106,107,108,109],"uad 3.6 readiness checklist","uad 3.6 checklist","prepare for uad 3.6","uad 3.6 preparation appraisers","uad 3.6 transition","uad 3.6 ready","redesigned urar checklist","uad 3.6 training",[26,111,27],"Checklist",[5,77,113],"switch-appraisal-software-without-losing-comps",[115,118,121,124],{"q":116,"a":117},"How do I prepare for UAD 3.6 as an appraiser?","Confirm each client's format and delivery method, make sure your software produces the full UAD 3.6 zip, read the URAR Reference Guide for your common property types, rework your comment library, and build at least one practice report before your first live order.",{"q":119,"a":120},"Do I need special training for UAD 3.6?","There is no required GSE training or credential for appraisers. The GSEs publish free resources, including the URAR Reference Guide and sample reports, and many education providers offer courses.",{"q":122,"a":123},"How long does it take to get ready for UAD 3.6?","If your software is already set up, a focused day is enough to build a practice report and map your comments. Expect your first live reports to take longer than a 1004 did.",{"q":125,"a":126},"What should I ask my AMCs about UAD 3.6?","Ask whether they will order UAD 3.6 on November 2, 2026 or are working under a lender's policy exception, whether their portal accepts the UAD 3.6 zip, and whether they have any added requirements beyond the GSE rules.",1486,6,{"slug":77,"title":130,"seoTitle":131,"description":132,"date":133,"updated":10,"category":11,"pillar":13,"howto":13,"keywords":134,"tags":142,"related":144,"faq":147,"words":163,"minutes":95},"The 728 UAD 3.6 Compliance Rules: Fatal vs. Warning, and the Ones That Bite","UAD 3.6 Compliance Rules: Fatal vs. Warning | Carat","UAD 3.6 compliance rules explained: 728 rules in Appendix H-1, 592 Fatal and 136 Warning, how they work and which ones are most likely to stop your report.","2026-10-08",[23,135,136,137,138,139,140,141],"uad 3.6 fatal errors","appendix h-1 compliance rules","uad compliance api","ucdp fatal error","uad 3.6 warning messages","uad 3.6 hard stops","ucdp submission summary report",[26,29,143],"UCDP",[5,145,146],"mismo-3-6-xml-explained","ai-catches-amc-revision-requests",[148,151,154,157,160],{"q":149,"a":150},"How many UAD 3.6 compliance rules are there?","Appendix H-1 version 1.5, the compliance rules for the redesigned URAR, lists 728 rules: 592 Fatal and 136 Warning.",{"q":152,"a":153},"What is the difference between a Fatal and a Warning in UAD 3.6?","A Fatal finding makes the UCDP submission unsuccessful until the report is corrected and resubmitted. A Warning does not stop the submission, but it is reported to the lender on the Submission Summary Report for review.",{"q":155,"a":156},"Where can I find the UAD 3.6 compliance rules?","Fannie Mae and Freddie Mac publish them on their Uniform Appraisal Dataset pages. Appendix H-1 is the rule set for the redesigned URAR, and the GSE FAQ also points to Appendices H-2 and H-3.",{"q":158,"a":159},"Who runs the UAD 3.6 compliance rules?","The GSEs run them through the UAD Compliance API when a lender submits to UCDP. Good appraisal software runs the same rules locally so you can fix findings before you deliver.",{"q":161,"a":162},"Why does a rule say to contact the appraisal software vendor?","Those messages usually point to how the XML was written, such as a number format or an internal reference, rather than to something the appraiser entered. Report them to your software vendor.",1711,{"slug":31,"title":165,"seoTitle":166,"description":167,"date":168,"updated":10,"category":11,"pillar":13,"howto":13,"keywords":169,"tags":178,"related":180,"faq":181,"words":197,"minutes":95},"UAD 3.6 Deadline: Every Date from November 2, 2026 to the UAD 2.6 Retirement","UAD 3.6 Deadline and Timeline (2026–2027) | Carat","The UAD 3.6 deadline is November 2, 2026. Every date that follows, from the lender exception period to the UAD 2.6 retirement on June 28, 2027, explained.","2026-10-02",[170,171,172,173,174,175,176,177],"uad 3.6 deadline","uad 3.6 mandate date","uad 3.6 timeline","november 2 2026 uad","uad 2.6 retirement","uad 3.6 policy exception","uad 3.6 effective date","when is uad 3.6 mandatory",[26,179,143],"Deadlines",[5,33,77],[182,185,188,191,194],{"q":183,"a":184},"What is the UAD 3.6 deadline?","November 2, 2026. From that date, sellers that don't have an approved GSE policy exception must submit UAD 3.6 appraisal reports to UCDP for new submissions.",{"q":186,"a":187},"Is the UAD 3.6 deadline based on the effective date of the appraisal?","No. Freddie Mac says the mandate applies based on the UCDP submission date of the report, not the loan application date or the effective date of the appraisal.",{"q":189,"a":190},"What is the UAD 3.6 policy exception?","A one-time exception the GSEs offered to sellers that need more time. With it, a seller can submit new UAD 2.6 reports through May 19, 2027 and resubmit UAD 2.6 reports through June 27, 2027. The GSEs say it will not be extended.",{"q":192,"a":193},"When is UAD 2.6 retired?","June 28, 2027. After that date no UAD 2.6 appraisal reports are processed in UCDP.",{"q":195,"a":196},"What happens to UAD 2.6 reports from March 1, 2027?","From March 1 through May 19, 2027, UAD 2.6 reports submitted under an exception receive a collateral risk score of 99 from Freddie Mac and 999 from Fannie Mae and are not eligible for collateral representation and warranty relief for value.",1545,{"slug":145,"title":199,"seoTitle":200,"description":201,"date":202,"updated":10,"category":11,"pillar":13,"howto":13,"keywords":203,"tags":211,"related":213,"faq":214,"words":230,"minutes":95},"MISMO 3.6 XML Explained for Appraisers (No Developer Required)","MISMO 3.6 XML Explained for Appraisers | Carat","MISMO 3.6 XML explained in plain English for appraisers: what's in the UAD 3.6 file, how it relates to the PDF and images, and why the zip package matters.","2026-09-29",[24,204,205,206,207,208,209,210],"mismo 3.6 xml","uad 3.6 xml","mismo xml appraisal","uad 3.6 zip file","appraisal xml file","mismo 2.6 vs 3.6","ucdp xml",[28,26,212],"XML",[5,77,33],[215,218,221,224,227],{"q":216,"a":217},"What is MISMO 3.6?","MISMO is the Mortgage Industry Standards Maintenance Organization, which publishes data standards for the mortgage industry. Version 3.6 of its reference model is the base the GSEs used for the UAD 3.6 appraisal dataset.",{"q":219,"a":220},"Do appraisers need to read or edit MISMO XML?","No. Your appraisal software writes the XML from what you enter. It helps to know what's in it, because the GSE compliance rules check the XML, not the PDF.",{"q":222,"a":223},"What files are in a UAD 3.6 zip?","One UAD 3.6 XML file, one first-generation PDF of the report that matches the XML, and a folder named Images with every photo, map and exhibit the XML references. The zip can't exceed 60 MB.",{"q":225,"a":226},"Can I edit the PDF after my software creates it?","You shouldn't. Appendix B-1 says the PDF must match the XML and must be a first-generation PDF produced by the appraiser's software. Make changes in the report and rebuild the package.",{"q":228,"a":229},"Are photos embedded in the UAD 3.6 XML?","No. Images go in the Images folder of the zip. The XML holds only metadata for each image, such as its category and its relative path in the zip.",1563,{"slug":76,"title":232,"seoTitle":233,"description":234,"date":235,"updated":10,"category":11,"pillar":13,"howto":13,"keywords":236,"tags":243,"related":245,"faq":246,"words":262,"minutes":95},"The Redesigned URAR vs. the Form 1004: What Changed and Why","Redesigned URAR vs. Form 1004: What Changed | Carat","The redesigned URAR vs. the Form 1004, section by section: what moved, what's new, what's gone and why the GSEs rebuilt the appraisal report for UAD 3.6.","2026-09-22",[18,237,22,238,239,240,241,242],"redesigned urar vs 1004","form 1004 changes","urar uad 3.6","new appraisal form 2026","urar sections","1004 replacement",[27,244,26],"Form 1004",[5,32,56],[247,250,253,256,259],{"q":248,"a":249},"What is the redesigned URAR?","It's the new Uniform Residential Appraisal Report under UAD 3.6. One dynamic report replaces the Form 1004 and the other GSE appraisal forms, showing only the sections that apply to the property being appraised.",{"q":251,"a":252},"Is the redesigned URAR longer than the 1004?","It depends on the property. A simple detached house may run a similar length once you count the addenda a 1004 used to need. A property with an ADU, outbuildings or many defects will be longer, because each item gets its own structured rows.",{"q":254,"a":255},"Does the redesigned URAR still use C and Q ratings?","Yes. Condition and quality ratings carry over, and the report adds a ratings definitions appendix. Condition is also reported per component, such as roof and windows, in addition to the overall rating.",{"q":257,"a":258},"Does the 1004MC still exist under UAD 3.6?","The redesigned URAR has its own Market section covering listings, pending sales, days on market, price ranges, supply and demand and a price trend analysis, so the market analysis is part of the report instead of a separate addendum.",{"q":260,"a":261},"Why did Fannie Mae and Freddie Mac redesign the URAR?","The GSEs wanted one report that works for any residential property type, built on the MISMO 3.6 data standard, so the data in every appraisal is consistent, complete and machine-readable.",1606,{"slug":32,"title":264,"seoTitle":265,"description":266,"date":267,"updated":10,"category":11,"pillar":13,"howto":13,"keywords":268,"tags":278,"related":280,"faq":281,"words":297,"minutes":128},"Goodbye 1004, 1073, 1025, 2055: How One Dynamic URAR Replaces the Old Forms","UAD 3.6 Replaces the 1004, 1073, 1025, 2055 | Carat","UAD 3.6 retires the 1004, 1073, 1025, 2055 and the other GSE appraisal forms. See how one dynamic URAR handles condos, 2–4 units and exterior-only work.","2026-09-15",[269,270,271,272,273,274,275,276,277],"uad 3.6 replaces 1004","1073 uad 3.6","1025 uad 3.6","2055 uad 3.6","retired appraisal forms","dynamic urar","uad 3.6 condo appraisal","uad 3.6 2-4 unit","exterior only appraisal uad 3.6",[26,27,279],"Forms",[5,76,31],[282,285,288,291,294],{"q":283,"a":284},"Which appraisal forms does UAD 3.6 retire?","Per Freddie Mac's UAD 3.6 FAQ, the redesigned URAR retires and replaces the 1004, 1073, 1075, 2055, 1004C, 2090, 2095, 1025, 1007 and 1004D, plus the desktop and hybrid versions of the 1004 and 1073. The Operating Income Statement 216 is also retired.",{"q":286,"a":287},"How does one URAR handle a condo?","When the property is a condominium unit, the report shows the Project Information section and the condo-specific fields. The same report structure is used, with the sections that apply turned on.",{"q":289,"a":290},"What replaces the Form 1025 for 2–4 unit properties?","The redesigned URAR covers 2–4 unit properties with multiple Unit Interior sections, a built-in rent schedule and rental comparables, and the income approach with gross rent multiplier comparables when it is in scope.",{"q":292,"a":293},"What replaces the 2055 exterior-only appraisal?","Exterior-only work is handled by the same redesigned URAR, with the scope of work and inspection type stated in the report. There is no separate exterior-only form.",{"q":295,"a":296},"Is the 1004D still used under UAD 3.6?","The 1004D\u002F442 is retired as a form. Appraisal updates and completion reports have their own UAD 3.6 report types and must be delivered in the UAD 3.6 zip format.",1461,1793082914349]