UAD 3.6 and the New URAR: What Mississippi REALTORS® Need to Know in 2026

The residential appraisal process is undergoing one of its most significant updates in decades. Fannie Mae and Freddie Mac are introducing a new reporting standard known as Uniform Appraisal Dataset (UAD) 3.6, along with a redesigned Uniform Residential Appraisal Report (URAR).

For Mississippi REALTORS®, these changes are worth understanding, even if they do not directly change the responsibilities of real estate agents. The new reporting format will affect how appraisers collect and document property information, which could influence communication, appraisal timelines, and the overall transaction process.

With implementation underway and important deadlines approaching, REALTORS® should become familiar with what is changing and how to prepare clients for the transition.

What Is UAD 3.6 and the New Uniform Residential Appraisal Report?

The Uniform Appraisal Dataset, or UAD, establishes standardized information and reporting requirements for residential appraisals delivered to Fannie Mae and Freddie Mac.

UAD 3.6 is an updated version of that reporting standard, designed to improve the consistency, quality, and detail of appraisal information.

Alongside the updated dataset, the new Uniform Residential Appraisal Report (URAR) replaces several traditional appraisal forms with a more flexible, data-driven reporting format.

Rather than relying on separate forms for different residential property types, the redesigned report adjusts to the property being appraised and the information required.

According to Fannie Mae’s UAD resources, the redesign is intended to modernize residential appraisal reporting and improve the quality of property data used throughout the mortgage process.

For REALTORS®, the biggest takeaway is that appraisal reports will look different and may require more detailed property information than in the past.

When Do the UAD 3.6 Changes Take Effect?

The industry has been preparing for UAD 3.6 for several years, with implementation progressing through testing, training, and lender adoption.

The standard deadline for new appraisal submissions is November 2, 2026.

However, Fannie Mae and Freddie Mac announced an important update on September 30, 2026. Lenders that are not prepared to complete the transition by November 2 may request a temporary policy exception.

Under the updated timeline:

November 2, 2026: UAD 3.6 becomes the required format for new appraisal submissions, except where an applicable policy exception has been granted.
May 19, 2027: Final day for eligible lenders with an exception to submit new reports using the older UAD 2.6 format.
May 20, 2027: UAD 3.6 becomes mandatory for all new appraisal submissions covered by the transition.

The exception provides additional time for eligible lenders to transition their systems and processes. It does not eliminate the requirement to adopt the new reporting standard.

Mississippi REALTORS® can review the latest implementation information through Fannie Mae’s UAD 3.6 updates.

How Will UAD 3.6 Affect Mississippi REALTORS®?

Although the reporting changes primarily affect appraisers, lenders, and appraisal management companies, REALTORS® are also part of the transaction process.

Understanding the new expectations can help agents communicate with clients, prepare property information, and respond to questions as the updated format becomes more widely used.

More Detailed Property Information

UAD 3.6 introduces a more structured way of reporting property characteristics and conditions.

Appraisers will use the redesigned report to document information relevant to the property and valuation assignment.

For REALTORS®, this reinforces the importance of maintaining accurate listing information and being prepared to share available details about property improvements, renovations, and other relevant features.

Clear documentation can help appraisers understand the property, although REALTORS® should remember that valuation conclusions remain the responsibility of the appraiser.

Potential Changes to Appraisal Timelines

As with any major reporting update, there may be an adjustment period while appraisers, lenders, and software providers become familiar with the new system.

The National Association of REALTORS® addressed this transition in its September 2026 article, Appraisers Are Doing Their Part to Prepare for New Reporting.

NAR notes that the new format requires appraisers to gather additional data, which could initially increase the time needed to complete some reports. New software and reporting requirements could also affect appraisal costs.

This does not mean every transaction will experience a delay or higher appraisal fee. However, REALTORS® should stay in communication with lenders and avoid making assumptions about turnaround times during the transition.

Greater Importance of Communication

Appraisals involve several parties, including the buyer, seller, REALTOR®, lender, and appraiser.

When reporting requirements change, communication becomes especially important.

REALTORS® may benefit from discussing appraisal expectations with lending partners early in the transaction and helping clients understand why an appraiser may request additional information or documentation.

Taking these steps can reduce confusion and help everyone involved stay informed.

How Can Mississippi REALTORS® Prepare for UAD 3.6?

REALTORS® do not need to become appraisal experts to prepare for these changes. A basic understanding of the new process and a few practical habits can help.

Stay informed about implementation updates.

Follow information from Fannie Mae, Freddie Mac, the National Association of REALTORS®, and other relevant industry organizations. Because the transition includes temporary exceptions for certain lenders, practices may vary during implementation.

Review property information for accuracy.

Accurate listing details, property characteristics, and available documentation can help support the appraisal process. REALTORS® should continue verifying information and addressing discrepancies when they are identified.

Communicate with lenders early.

Ask lending partners how they are preparing for UAD 3.6 and whether any changes could affect appraisal scheduling, documentation requests, or expected turnaround times.

Prepare buyers and sellers for possible adjustments.

Clients may notice a different appraisal report format or receive additional questions about property characteristics. Providing a simple explanation beforehand can help manage expectations.

Take advantage of educational resources.

NAR offers resources designed to help REALTORS® understand appraisal reporting changes, including guidance on preparing property information and communicating with appraisers.

Continuing education and professional development also remain valuable as technology and industry practices evolve.

Why These Appraisal Changes Matter in Mississippi

Real estate transactions depend on accurate information, clear communication, and cooperation among industry professionals.

The transition to UAD 3.6 is a national reporting initiative, but its effects will also be felt in Mississippi transactions involving applicable mortgage financing.

Mississippi REALTORS® should understand the distinction between the national reporting requirements established by Fannie Mae and Freddie Mac and any separate guidance issued by Mississippi’s appraisal regulatory authorities.

The new reporting format does not change a REALTOR®’s role into that of an appraiser. It does, however, make it worthwhile for agents to understand what information may be useful during the appraisal process and how reporting changes could affect their clients.

As the transition continues, staying informed will help Mississippi real estate professionals respond to questions and work effectively with lenders and appraisers.

Frequently Asked Questions About UAD 3.6

What does UAD 3.6 mean in real estate?

UAD 3.6 is the updated Uniform Appraisal Dataset used for residential appraisal reporting submitted to Fannie Mae and Freddie Mac. It introduces more detailed, standardized property information and supports the redesigned Uniform Residential Appraisal Report.

What is the new URAR appraisal report?

The Uniform Residential Appraisal Report (URAR) is a redesigned, data-driven residential appraisal report that replaces several traditional appraisal forms used for loans delivered to Fannie Mae and Freddie Mac.

Are Mississippi REALTORS® required to complete UAD 3.6 training?

UAD 3.6 does not establish a new standalone training requirement for Mississippi real estate salespersons or brokers. However, REALTORS® can benefit from learning how the updated reporting format may affect transactions and client communication.

Will UAD 3.6 delay real estate closings?

Not necessarily. Some appraisals may take longer during the initial transition as the industry adjusts to the new format. REALTORS® should coordinate with lenders regarding appraisal timelines rather than assume every transaction will experience delays.

Does UAD 3.6 change how Mississippi REALTORS® determine property values?

UAD 3.6 changes appraisal data and reporting standards, not the fundamental distinction between an agent’s comparative market analysis and an appraiser’s professional valuation. REALTORS® should continue using appropriate market information and leave formal appraisal conclusions to qualified appraisers.

Staying Informed as Real Estate Reporting Evolves

The transition to UAD 3.6 and the new URAR represents a significant change in residential appraisal reporting. While the updated requirements primarily affect appraisers and lenders, REALTORS® can benefit from understanding what is changing and how it may influence their transactions.

The Mississippi REALTORS® Institute provides educational opportunities that help real estate professionals stay informed about industry developments, maintain their knowledge, and strengthen their professional skills.

Through continuing education and professional development, Mississippi REALTORS® can remain prepared as reporting standards, regulations, and market practices evolve.

To learn more about available educational opportunities, visit the Mississippi REALTORS® Institute and review its real estate education and continuing education resources.