GBP MAXXING for appraisers: private work in the UAD 3.6 era

What changed

Fannie Mae and Freddie Mac made UAD 3.6 and the redesigned URAR the requirement for new appraisal submissions on November 2, 2026. On September 30, 2026, the GSEs added a temporary exception for approved sellers who couldn't fully transition:

• Approved sellers may keep submitting UAD 2.6 through May 19, 2027.
• From March 1, 2027, those 2.6 submissions get reduced Collateral Underwriter and Loan Collateral Advisor functionality and lose representation-and-warranty relief on value.
• Resubmissions of previously delivered 2.6 reports run through June 27, 2027.
• UAD 3.6 is required for all new submissions starting May 20, 2027.

Translation: for about seven months you'll juggle both datasets, client by client, depending on who holds an exception.

What appraisers are reporting

Working RE's October 2026 reporting: the new dataset carries more than 900 data elements, against about 190 in UAD 2.6. One appraiser described a report growing from roughly 15 pages to 41. In a Corporate Settlement Solutions survey, 66.7% of 831 appraisers expected to raise fees and 78.3% of 816 expected longer turn times, and some AMCs were pushing back on fee increases.

What it doesn't touch

UAD governs appraisals delivered to Fannie Mae and Freddie Mac. Private work never goes there: date-of-death and estate appraisals, divorce, IRS gift and estate tax work, property tax appeals, pre-listing, trusts, Medicaid planning, litigation support. Those clients don't come through an AMC portal. They come through search, maps, AI assistants and referrals.

The lender channel just got heavier and harder to price. The private channel runs on your Google profile, and no AMC sets your fee there.