[{"data":1,"prerenderedAt":295},["ShallowReactive",2],{"blog-uad-3-6-readiness-checklist":3},{"post":4,"related":174,"pillar":175},{"slug":5,"title":6,"seoTitle":7,"description":8,"date":9,"updated":10,"category":11,"pillar":12,"howto":13,"keywords":14,"tags":23,"related":27,"faq":31,"words":44,"minutes":45,"parts":46,"toc":49,"steps":113},"uad-3-6-readiness-checklist","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","2026-10-25","uad-3-6",false,true,[15,16,17,18,19,20,21,22],"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",[24,25,26],"UAD 3.6","Checklist","URAR",[28,29,30],"uad-3-6-complete-guide","uad-3-6-compliance-rules-fatal-warning","switch-appraisal-software-without-losing-comps",[32,35,38,41],{"q":33,"a":34},"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":36,"a":37},"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":39,"a":40},"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":42,"a":43},"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,[47,48],"\u003Cp>The UAD 3.6 mandate is November 2, 2026. If you've been putting off getting ready, you're not alone, and there's still time. This UAD 3.6 readiness checklist is the list we'd hand an appraiser who has one week and a full schedule. It's 20 steps, in order. Some take five minutes. A couple take an afternoon. Do them before your first redesigned URAR order arrives, not while it's due tomorrow.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Key takeaways\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Talk to your clients first. Your format depends on their lender's plans.\u003C\u002Fli>\n\u003Cli>Build one full practice report, including the zip, before any live order.\u003C\u002Fli>\n\u003Cli>Learn the rules that ask for "0" or "none." They're the most common surprise.\u003C\u002Fli>\n\u003Cli>Set up your firm profile, sketch and photo habits once, so every report starts right.\u003C\u002Fli>\n\u003Cli>Keep your old software and archive until your 2.6 work and retention period are covered.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2 id=\"step-1-confirm-the-dates-that-apply-to-you\">Step 1: Confirm the dates that apply to you\u003C\u002Fh2>\n\u003Cp>Read the joint GSE \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Fdocs\u002Fpdf\u002Ffact-sheet\u002Fuad-redesign-timeline.pdf\" target=\"_blank\" rel=\"noopener\">UAD Redesign Timeline\u003C\u002Fa>. The mandate is November 2, 2026, and it's based on the UCDP submission date, not your effective date. Some lenders have a one-time exception that lets them submit UAD 2.6 until May 19, 2027. UAD 2.6 retires June 28, 2027. Every date is explained in \u003Ca href=\"\u002Fblog\u002Fuad-3-6-deadline-timeline\">the UAD 3.6 deadline timeline\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2 id=\"step-2-email-every-client\">Step 2: Email every client\u003C\u002Fh2>\n\u003Cp>Send each AMC and direct lender the same three questions: Will you order UAD 3.6 starting November 2, or are you under a policy exception? Does your portal accept the UAD 3.6 zip? Do you have requirements beyond the GSE rules? Save the replies in a folder. You'll need them when orders start mixing.\u003C\u002Fp>\n\u003Ch2 id=\"step-3-check-that-your-software-builds-the-whole-package\">Step 3: Check that your software builds the whole package\u003C\u002Fh2>\n\u003Cp>The deliverable is a zip, not a PDF. Per Appendix B-1 it holds one MISMO 3.6 XML file, one matching first-generation PDF and a folder named \u003Ccode>Images\u003C\u002Fcode>, all under 60 MB. Ask your software how it builds that zip and whether it validates the XML against the GSE schema each time. If it only makes a PDF, you're not ready.\u003C\u002Fp>\n\u003Ch2 id=\"step-4-confirm-which-property-types-your-software-supports\">Step 4: Confirm which property types your software supports\u003C\u002Fh2>\n\u003Cp>Support for condos, 2–4 units, manufactured homes and co-ops varies by vendor. List the property types you take most often and check each one. If something isn't supported yet, decline those orders or keep a second tool for them until it is.\u003C\u002Fp>\n\u003Ch2 id=\"step-5-keep-your-old-software-for-now\">Step 5: Keep your old software for now\u003C\u002Fh2>\n\u003Cp>Don't cancel your UAD 2.6 program on November 1. Lenders with an exception may still order 1004s, and revisions to 2.6 reports are accepted until June 27, 2027. Plan to run both for a few months.\u003C\u002Fp>\n\u003Ch2 id=\"step-6-export-your-archive\">Step 6: Export your archive\u003C\u002Fh2>\n\u003Cp>Whatever you do with your old program, export your past reports while you still have the license. Most desktop programs can export MISMO 2.6 XML. Those files are your comps history and your USPAP workfiles. The \u003Ca href=\"\u002Fblog\u002Fswitch-appraisal-software-without-losing-comps\">guide to switching appraisal software without losing your comps\u003C\u002Fa> walks through it.\u003C\u002Fp>\n\u003Cblockquote class=\"bl-callout note\">\u003Cp>\u003Cstrong>Note:\u003C\u002Fstrong> USPAP's Record Keeping Rule requires you to keep each workfile at least five years after preparation, or at least two years after final disposition of any judicial proceeding in which you testified, whichever period ends later. A retired format doesn't change that.\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Ch2 id=\"step-7-download-the-gse-documents\">Step 7: Download the GSE documents\u003C\u002Fh2>\n\u003Cp>From the \u003Ca href=\"https:\u002F\u002Fsinglefamily.fanniemae.com\u002Fdelivering\u002Funiform-mortgage-data-program\u002Funiform-appraisal-dataset\" target=\"_blank\" rel=\"noopener\">Fannie Mae UAD page\u003C\u002Fa> or the \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Ftools-learning\u002Funiform-mortgage-data-program\u002Fuad\" target=\"_blank\" rel=\"noopener\">Freddie Mac UAD page\u003C\u002Fa>, get Appendix C-1 (the URAR layout with field IDs), Appendix F-1 (the URAR Reference Guide) and Appendix D-1 (sample reports). Put them in one folder on your desktop.\u003C\u002Fp>\n\u003Ch2 id=\"step-8-read-f-1-for-your-most-common-property\">Step 8: Read F-1 for your most common property\u003C\u002Fh2>\n\u003Cp>You don't need all of F-1 at once. If you mostly do detached single-family, read Site, Dwelling Exterior, Unit Interior, Market and Sales Comparison Approach. That covers most of your workday. Mark the fields that differ from how you handled the 1004.\u003C\u002Fp>\n\u003Ch2 id=\"step-9-read-one-gse-sample-report-end-to-end\">Step 9: Read one GSE sample report end to end\u003C\u002Fh2>\n\u003Cp>Open the Appendix D-1 sample closest to your typical work. Read it the way an underwriter would. Then put a recent 1004 of yours next to it and compare, section by section. For the map from old to new, see \u003Ca href=\"\u002Fblog\u002Fredesigned-urar-vs-form-1004\">the redesigned URAR vs. the Form 1004\u003C\u002Fa>.\u003C\u002Fp>\n","\u003Ch2 id=\"step-10-update-your-firm-profile\">Step 10: Update your firm profile\u003C\u002Fh2>\n\u003Cp>Your license, supervisor credentials if you're a trainee, E&O and contact details fill every report. Check expiration dates. Rule UAD1526, for example, is Fatal if a supervisory appraiser's state credentials are missing. Get it right once in your software's firm profile and every new report starts clean.\u003C\u002Fp>\n\u003Ch2 id=\"step-11-rework-your-comment-library\">Step 11: Rework your comment library\u003C\u002Fh2>\n\u003Cp>Your canned comments were written for 1004 addenda. Under UAD 3.6, many belong in specific structured fields: site influences, component condition, defects, market commentary. Go through your library and map each one to its new home. Delete the ones that the structure now answers.\u003C\u002Fp>\n\u003Ch2 id=\"step-12-learn-the-even-if-0-fields\">Step 12: Learn the "even if 0" fields\u003C\u002Fh2>\n\u003Cp>Twenty-nine rules in Appendix H-1 say "even if the value is 0." The nonstandard finished area fields, above and below grade, and the ADU count are the common ones. On a 1004 you'd leave them blank. On the redesigned URAR, blank fails. The \u003Ca href=\"\u002Fblog\u002Fuad-3-6-compliance-rules-fatal-warning\">compliance rules guide\u003C\u002Fa> lists the ones that bite most.\u003C\u002Fp>\n\u003Ch2 id=\"step-13-check-your-sketch-and-measurement-workflow\">Step 13: Check your sketch and measurement workflow\u003C\u002Fh2>\n\u003Cp>When you include a sketch, the report must state the measurement standard: ANSI, AMS or Other (rule UAD1677, Fatal). ANSI declarations go in Sketch Commentary. Finished area splits into standard and nonstandard, above and below grade. Make sure your sketch tool feeds those numbers into the report. Details in \u003Ca href=\"\u002Fblog\u002Fansi-z765-gla-uad-3-6\">ANSI Z765 and GLA under UAD 3.6\u003C\u002Fa>.\u003C\u002Fp>\n\u003Ch2 id=\"step-14-set-up-your-photo-routine\">Step 14: Set up your photo routine\u003C\u002Fh2>\n\u003Cp>Photos are checked by category in the XML. Rule UAD1274 is Fatal if the required subject photos are missing, and UAD1275 is Fatal if a comp has no photo. Shoot in a consistent order in the field and label photos by category as you place them, so the right ones land in the right slots.\u003C\u002Fp>\n\u003Ch2 id=\"step-15-plan-your-market-data\">Step 15: Plan your market data\u003C\u002Fh2>\n\u003Cp>The Market section asks for active listings, pending sales, closed sales over a stated period, median days on market, list and sale price ranges, demand and supply, and a price trend analysis with its sources. Decide where each number will come from in your MLS and how you'll document the search criteria. Rule UAD1657 is a Warning if you don't name the price trend source.\u003C\u002Fp>\n\u003Ch2 id=\"step-16-prepare-for-structured-defects\">Step 16: Prepare for structured defects\u003C\u002Fh2>\n\u003Cp>Defects, damages and deficiencies are reported item by item, with a cost to repair where you have one. Start noting them that way in the field. "Water stain, hall ceiling, approx. 2 sq ft, source unknown" is easier to enter than a paragraph written from memory three days later.\u003C\u002Fp>\n\u003Ch2 id=\"step-17-build-one-practice-report-start-to-finish\">Step 17: Build one practice report, start to finish\u003C\u002Fh2>\n\u003Cp>Pick a house you've already appraised. Rebuild it as a redesigned URAR in your new software: every section, every photo, the sketch, the comps, the reconciliation. Clear every Fatal and Warning finding. Then build the zip. Time yourself so you know how long a real one will take.\u003C\u002Fp>\n\u003Ch2 id=\"step-18-open-the-zip-and-look\">Step 18: Open the zip and look\u003C\u002Fh2>\n\u003Cp>Unzip your practice package. Is there one XML, one PDF and a folder called \u003Ccode>Images\u003C\u002Fcode>? Do the photos open? Does the PDF match what you entered? Is it under 60 MB? \u003Ca href=\"\u002Fblog\u002Fmismo-3-6-xml-explained\">MISMO 3.6 XML explained\u003C\u002Fa> shows what you should see inside.\u003C\u002Fp>\n\u003Ch2 id=\"step-19-test-delivery-with-a-friendly-client\">Step 19: Test delivery with a friendly client\u003C\u002Fh2>\n\u003Cp>Ask one AMC or lender you work with often to accept your practice package through their portal, or to tell you how they want UAD 3.6 delivered. Find out now whether their upload takes a zip, not on a rush order.\u003C\u002Fp>\n\u003Ch2 id=\"step-20-block-extra-time-for-your-first-five-reports\">Step 20: Block extra time for your first five reports\u003C\u002Fh2>\n\u003Cp>Your first few UAD 3.6 reports will take longer than a 1004 did. Build that into your schedule and your turn-time promises for the first weeks of November. Speed comes back once the structure becomes habit.\u003C\u002Fp>\n\u003Cblockquote class=\"bl-callout tip\">\u003Cp>\u003Cstrong>Tip:\u003C\u002Fstrong> Keep a running list of every finding you hit on your first five reports. That list becomes your personal checklist, and it'll be shorter than this one.\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Ch2 id=\"how-carat-fits-this-checklist\">How Carat fits this checklist\u003C\u002Fh2>\n\u003Cp>Carat was built for most of these steps. It builds the redesigned URAR for 1–4 unit, condo and PUD properties, writes MISMO 3.6 XML validated against the GSE schema on every build, and packages the UCDP-ready zip (steps 3 and 18). Its AI-powered readiness checks run hundreds of the H-1 rules while you work, with each finding linked to the field (steps 12 and 17). The ANSI Z765 sketch fills GLA automatically (step 13). Photos are placed by UAD category (step 14). License and E&O exhibits come from your firm profile (step 10). And it imports your ClickFORMS or MISMO 2.6 archive into a searchable comps history (step 6).\u003C\u002Fp>\n\u003Cp>It doesn't submit to UCDP or sign for you. You sign. It's always your report. Pricing is \u003Ca href=\"\u002F#pricing\">$99 a month per appraiser, unlimited reports\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>For the bigger picture behind this list, read \u003Ca href=\"\u002Fblog\u002Fuad-3-6-complete-guide\">the complete UAD 3.6 guide\u003C\u002Fa>. When you're ready, \u003Ca href=\"\u002Fsign-in?mode=create\">create an Carat account\u003C\u002Fa> and start on Step 17.\u003C\u002Fp>\n",[50,53,56,59,62,65,68,71,74,77,80,83,86,89,92,95,98,101,104,107,110],{"id":51,"t":52},"step-1-confirm-the-dates-that-apply-to-you","Step 1: Confirm the dates that apply to you",{"id":54,"t":55},"step-2-email-every-client","Step 2: Email every client",{"id":57,"t":58},"step-3-check-that-your-software-builds-the-whole-package","Step 3: Check that your software builds the whole package",{"id":60,"t":61},"step-4-confirm-which-property-types-your-software-supports","Step 4: Confirm which property types your software supports",{"id":63,"t":64},"step-5-keep-your-old-software-for-now","Step 5: Keep your old software for now",{"id":66,"t":67},"step-6-export-your-archive","Step 6: Export your archive",{"id":69,"t":70},"step-7-download-the-gse-documents","Step 7: Download the GSE documents",{"id":72,"t":73},"step-8-read-f-1-for-your-most-common-property","Step 8: Read F-1 for your most common property",{"id":75,"t":76},"step-9-read-one-gse-sample-report-end-to-end","Step 9: Read one GSE sample report end to end",{"id":78,"t":79},"step-10-update-your-firm-profile","Step 10: Update your firm profile",{"id":81,"t":82},"step-11-rework-your-comment-library","Step 11: Rework your comment library",{"id":84,"t":85},"step-12-learn-the-even-if-0-fields","Step 12: Learn the \"even if 0\" fields",{"id":87,"t":88},"step-13-check-your-sketch-and-measurement-workflow","Step 13: Check your sketch and measurement workflow",{"id":90,"t":91},"step-14-set-up-your-photo-routine","Step 14: Set up your photo routine",{"id":93,"t":94},"step-15-plan-your-market-data","Step 15: Plan your market data",{"id":96,"t":97},"step-16-prepare-for-structured-defects","Step 16: Prepare for structured defects",{"id":99,"t":100},"step-17-build-one-practice-report-start-to-finish","Step 17: Build one practice report, start to finish",{"id":102,"t":103},"step-18-open-the-zip-and-look","Step 18: Open the zip and look",{"id":105,"t":106},"step-19-test-delivery-with-a-friendly-client","Step 19: Test delivery with a friendly client",{"id":108,"t":109},"step-20-block-extra-time-for-your-first-five-reports","Step 20: Block extra time for your first five reports",{"id":111,"t":112},"how-carat-fits-this-checklist","How Carat fits this checklist",[114,117,120,123,126,129,132,135,138,141,144,147,150,153,156,159,162,165,168,171],{"name":115,"text":116},"Confirm the dates that apply to you","Read the joint GSE UAD Redesign Timeline. The mandate is November 2, 2026, and it's based on the UCDP submission date, not your effective date. Some lenders have a one-time exception that lets them submit UAD 2.6 until May 19, 2027. UAD 2.6 retires June 28, 2027. Every date is explained in the UAD 3.6 deadline timeline.",{"name":118,"text":119},"Email every client","Send each AMC and direct lender the same three questions: Will you order UAD 3.6 starting November 2, or are you under a policy exception? Does your portal accept the UAD 3.6 zip? Do you have requirements beyond the GSE rules? Save the replies in a folder. You'll need them when orders start mixing.",{"name":121,"text":122},"Check that your software builds the whole package","The deliverable is a zip, not a PDF. Per Appendix B-1 it holds one MISMO 3.6 XML file, one matching first-generation PDF and a folder named `Images`, all under 60 MB. Ask your software how it builds that zip and whether it validates the XML against the GSE schema each time. If it only makes a PDF, you're not ready.",{"name":124,"text":125},"Confirm which property types your software supports","Support for condos, 2–4 units, manufactured homes and co-ops varies by vendor. List the property types you take most often and check each one. If something isn't supported yet, decline those orders or keep a second tool for them until it is.",{"name":127,"text":128},"Keep your old software for now","Don't cancel your UAD 2.6 program on November 1. Lenders with an exception may still order 1004s, and revisions to 2.6 reports are accepted until June 27, 2027. Plan to run both for a few months.",{"name":130,"text":131},"Export your archive","Whatever you do with your old program, export your past reports while you still have the license. Most desktop programs can export MISMO 2.6 XML. Those files are your comps history and your USPAP workfiles. The guide to switching appraisal software without losing your comps walks through it.",{"name":133,"text":134},"Download the GSE documents","From the Fannie Mae UAD page or the Freddie Mac UAD page, get Appendix C-1 (the URAR layout with field IDs), Appendix F-1 (the URAR Reference Guide) and Appendix D-1 (sample reports). Put them in one folder on your desktop.",{"name":136,"text":137},"Read F-1 for your most common property","You don't need all of F-1 at once. If you mostly do detached single-family, read Site, Dwelling Exterior, Unit Interior, Market and Sales Comparison Approach. That covers most of your workday. Mark the fields that differ from how you handled the 1004.",{"name":139,"text":140},"Read one GSE sample report end to end","Open the Appendix D-1 sample closest to your typical work. Read it the way an underwriter would. Then put a recent 1004 of yours next to it and compare, section by section. For the map from old to new, see the redesigned URAR vs. the Form 1004.",{"name":142,"text":143},"Update your firm profile","Your license, supervisor credentials if you're a trainee, E&O and contact details fill every report. Check expiration dates. Rule UAD1526, for example, is Fatal if a supervisory appraiser's state credentials are missing. Get it right once in your software's firm profile and every new report starts clean.",{"name":145,"text":146},"Rework your comment library","Your canned comments were written for 1004 addenda. Under UAD 3.6, many belong in specific structured fields: site influences, component condition, defects, market commentary. Go through your library and map each one to its new home. Delete the ones that the structure now answers.",{"name":148,"text":149},"Learn the \"even if 0\" fields","Twenty-nine rules in Appendix H-1 say \"even if the value is 0.\" The nonstandard finished area fields, above and below grade, and the ADU count are the common ones. On a 1004 you'd leave them blank. On the redesigned URAR, blank fails. The compliance rules guide lists the ones that bite most.",{"name":151,"text":152},"Check your sketch and measurement workflow","When you include a sketch, the report must state the measurement standard: ANSI, AMS or Other (rule UAD1677, Fatal). ANSI declarations go in Sketch Commentary. Finished area splits into standard and nonstandard, above and below grade. Make sure your sketch tool feeds those numbers into the report. Details in ANSI Z765 and GLA under UAD 3.6.",{"name":154,"text":155},"Set up your photo routine","Photos are checked by category in the XML. Rule UAD1274 is Fatal if the required subject photos are missing, and UAD1275 is Fatal if a comp has no photo. Shoot in a consistent order in the field and label photos by category as you place them, so the right ones land in the right slots.",{"name":157,"text":158},"Plan your market data","The Market section asks for active listings, pending sales, closed sales over a stated period, median days on market, list and sale price ranges, demand and supply, and a price trend analysis with its sources. Decide where each number will come from in your MLS and how you'll document the search criteria. Rule UAD1657 is a Warning if you don't name the price trend source.",{"name":160,"text":161},"Prepare for structured defects","Defects, damages and deficiencies are reported item by item, with a cost to repair where you have one. Start noting them that way in the field. \"Water stain, hall ceiling, approx. 2 sq ft, source unknown\" is easier to enter than a paragraph written from memory three days later.",{"name":163,"text":164},"Build one practice report, start to finish","Pick a house you've already appraised. Rebuild it as a redesigned URAR in your new software: every section, every photo, the sketch, the comps, the reconciliation. Clear every Fatal and Warning finding. Then build the zip. Time yourself so you know how long a real one will take.",{"name":166,"text":167},"Open the zip and look","Unzip your practice package. Is there one XML, one PDF and a folder called `Images`? Do the photos open? Does the PDF match what you entered? Is it under 60 MB? MISMO 3.6 XML explained shows what you should see inside.",{"name":169,"text":170},"Test delivery with a friendly client","Ask one AMC or lender you work with often to accept your practice package through their portal, or to tell you how they want UAD 3.6 delivered. Find out now whether their upload takes a zip, not on a rush order.",{"name":172,"text":173},"Block extra time for your first five reports","Your first few UAD 3.6 reports will take longer than a 1004 did. Build that into your schedule and your turn-time promises for the first weeks of November. Speed comes back once the structure becomes habit.",[175,218,254],{"slug":28,"title":176,"seoTitle":177,"description":178,"date":179,"updated":10,"category":11,"pillar":13,"howto":12,"keywords":180,"tags":191,"related":194,"faq":197,"words":216,"minutes":217},"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",[181,182,183,184,185,186,187,188,189,190],"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",[24,26,192,193],"MISMO 3.6","Compliance",[195,196,5],"uad-3-6-deadline-timeline","uad-3-6-replaces-1004-1073-1025-2055",[198,201,204,207,210,213],{"q":199,"a":200},"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":202,"a":203},"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":205,"a":206},"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":208,"a":209},"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":211,"a":212},"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":214,"a":215},"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":29,"title":219,"seoTitle":220,"description":221,"date":222,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":223,"tags":231,"related":233,"faq":236,"words":252,"minutes":253},"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",[189,224,225,226,227,228,229,230],"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",[24,193,232],"UCDP",[28,234,235],"mismo-3-6-xml-explained","ai-catches-amc-revision-requests",[237,240,243,246,249],{"q":238,"a":239},"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":241,"a":242},"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":244,"a":245},"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":247,"a":248},"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":250,"a":251},"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.",1711,7,{"slug":30,"title":255,"seoTitle":256,"description":257,"date":258,"updated":10,"category":259,"pillar":13,"howto":13,"keywords":260,"tags":269,"related":273,"faq":277,"words":293,"minutes":294},"How to Switch Appraisal Software Without Losing a Decade of Comps","Switch Appraisal Software, Keep Your Comps | Carat","How to switch appraisal software without losing your comps: export your MISMO 2.6 archive, protect USPAP workfiles and run both programs during UAD 3.6.","2026-10-06","switching",[261,262,263,264,265,266,267,268],"switch appraisal software","change appraisal software","appraisal software migration","export appraisal reports mismo 2.6","keep comps when switching appraisal software","uad 3.6 appraisal software switch","appraisal workfile retention","import old appraisal reports",[270,24,271,272],"Switching","MISMO 2.6","Workfiles",[274,275,276],"migrate-from-clickforms-uad-3-6","leaving-aci-total-desktop-appraisal-software","best-appraisal-software-uad-3-6-2026",[278,281,284,287,290],{"q":279,"a":280},"Will I lose my old reports if I switch appraisal software?","Not if you export them first. Most desktop appraisal programs can export finished reports as MISMO 2.6 GSE XML and PDF. Keep those exports, plus your original program's data folder, for as long as USPAP and your state require.",{"q":282,"a":283},"Can old UAD 2.6 reports be converted into UAD 3.6 reports?","Not in any way you should rely on for delivery. The redesigned URAR asks for data the old forms never collected. What you can do is import the old reports as a comps and adjustment history and start new UAD 3.6 reports fresh.",{"q":285,"a":286},"How long do I have to keep appraisal workfiles after switching software?","USPAP's Record Keeping Rule requires keeping the workfile at least five years after preparation, or at least two years after final disposition of a judicial proceeding in which you testified, whichever is later. Your state may add its own rules.",{"q":288,"a":289},"Should I cancel my old appraisal software right away?","Usually not. Keep it until your exports are verified, open revision requests on UAD 2.6 reports are done, and you know you can still open the old files. Revisions to reports first submitted in UAD 2.6 stay in UAD 2.6.",{"q":291,"a":292},"What is MISMO 2.6 GSE XML?","It is the data file format used to deliver UAD 2.6 appraisals to the GSE portals. Because it is a shared standard, it is the most portable way to move your report data out of one program and into another.",2967,13,1793082914953]