UAD 3.6 Appraisals: What California Real Estate Agents Need to Know

UAD 3.6 is Fannie Mae and Freddie Mac’s updated appraisal data standard. It replaces familiar appraisal forms with a dynamic report that captures more structured details about the property. For California agents, it’s a good reason to gather floor plans, permits and final sign-offs early, especially when a listing has an ADU, a converted garage or a split-level layout.

What if the listing and appraisal show different square footage?

Say the listing shows 1,900 square feet, and that total includes a finished garage conversion. Find out where the 1,900 figure came from and whether the source breaks out the converted space. If the assessor record, floor plan and prior listing show different figures, share each source with the appraiser and let the appraiser determine how to report the space.

What should agents gather before the appraisal?

Pull the floor plan, any available permits and final sign-offs, and records that explain additions or conversions. If the property has an ADU, note whether it’s attached or detached and arrange access to both units for the appraisal.

That can help on an older Oakland home with a finished lower level, a Marin listing with an addition or an Orange County property with a garage conversion. Getting the documents together early gives everyone time to sort out discrepancies before they affect the closing timeline.

When does UAD 3.6 apply?

The Fannie Mae and Freddie Mac mandate began November 2, 2026, with temporary exceptions for approved lenders. FHA follows a separate rollout. Ask the lender handling the transaction which appraisal requirements apply to that loan.

Fannie Mae rollout update: https://singlefamily.fanniemae.com/news-events/lender-letter-ll-2026-08-UAD-temporary-policy-exception

About Michael Belfor

Michael Belfor is a Branch Manager – Loan Originator at American Pacific Mortgage with approximately 24 years of mortgage experience. APM President’s Club and Top 1% since 2017. MLO NMLS 264700 | Company NMLS 1850 | DRE 01878769