UAD 3.6: What It Actually Means (From the Appraiser’s Perspective)

If you’re in lending right now, you’ve probably heard about UAD 3.6. What you may not be hearing is what it actually looks like in the field. Because from the appraiser’s side, this isn’t just a form update—it’s a meaningful shift in how appraisals are completed, from inspection to final delivery.

But what’s often missing is this: What does this actually look like in the field?

Because while this is technically a “form update,” in practice, it’s much bigger than that.

This isn’t just a form change—it’s one of the biggest shifts in how appraisals are completed in years.

UAD 3.6 introduces a more structured and standardized way of reporting appraisal data.

From an appraiser’s perspective, that means:

• More defined data inputs

• Less flexibility in how information is communicated

• Greater consistency across reports

  “This isn’t just a form change—it’s a shift in how appraisals are completed from start to finish.”

  
  

That’s a good thing for the industry—but it also changes how appraisers collect, analyze, and deliver information.

Expect More Data Collection in the Field

One of the biggest shifts is happening during the inspection process.

Appraisers will need to:

• Capture more detailed property data

• Follow more structured input requirements

• Use mobile tools (tablets, apps) to collect information in real time

  
  

This isn’t optional—it’s foundational to how UAD 3.6 is designed.

Technology Will Play a Bigger Role Than Ever

This transition is heavily dependent on technology:

• Appraisal software updates

• Mobile data collection tools

• Integration with UAD standards

• Emerging AI-assisted workflows

At Authority Appraisals, we’ve already begun:

• Training and orientation (Q1)

• Preparing for beta testing (expected late Q2)

• Targeting full readiness ahead of broader rollout

There May Be Some Early Friction

Like any major shift, the early phase won’t be perfect.

There may be:

• Learning curves

• Software delays from vendors

• Slight changes in turnaround expectations

  
  

Understanding this early helps everyone—lenders, agents, and appraisers—set realistic expectations.

How We’re Preparing Ahead of UAD 3.6

As these changes continue to take shape, we’ve been actively preparing to ensure a smooth transition on our end.

So far, we’ve:

• Completed initial training and orientation in Q1

• Begun aligning our internal processes with the new reporting requirements

• Started preparing for beta testing, which we expect to ramp up toward the end of Q2 (based on current technology provider timelines)

  
  

Our goal is to be fully ready ahead of broader rollout, with a target of Q3.

“Our focus is simple: be prepared early so our clients don’t feel the friction later.”

A big part of that preparation includes investing in:

• Mobile data collection workflows

• Updated appraisal technology and software

• Exploring AI tools to improve consistency and efficiency

  
  

We view this not just as a requirement, but as an opportunity to improve how we deliver reports and support our clients.

Some Appraisers May Exit the Industry

Another factor worth paying attention to is how UAD 3.6 may impact the appraiser workforce itself.

Some appraisers—particularly those nearing retirement—may choose not to transition into the new systems, technology, and workflows required.

This isn’t unexpected with a change of this scale, but it could lead to:

• A smaller pool of active appraisers

• Increased demand for those who are fully prepared

• Greater variability in experience and readiness across the industry

  
  

Over time, the market will adjust—but during the transition, this is something lenders may feel.

Gap Between Appraisers May Widen

Not every appraiser will adapt at the same pace.

Those who invest in:

• Technology

• Training

• Process improvement

  
  

…will be better positioned to deliver consistent, reliable results under the new system.

What This Means for You

For lenders and real estate professionals, this shift is about more than compliance.

It’s about:

“Who you work with on the appraisal side may matter more over the next 12–18 months than it has in the past.”

• Working with appraisers who are prepared

• Having clear communication during the transition

• Minimizing surprises in your pipeline

Final Thoughts

UAD 3.6 is a meaningful step forward—but like any major change, how it’s implemented will matter.

The lenders who stay informed—and work with appraisers who are prepared—will have a much smoother transition.

We’ll continue sharing updates as we move closer to testing and rollout.

👉 Have questions or want updates as this rolls out?

Contact Authority Appraisals or Schedule a Quick Call—we’re happy to walk through it with you.