Priority briefing
The 3.6 forms are coming. We're ready. Are you covered?
Fannie's new appraisal forms (UAD 3.6) become mandatory in November. Here's what it means for your loans — and how EA is making sure your pipeline doesn't skip a beat.
Mandatory: November
Plain English
What's actually changing.
The long-standing 2.6 forms — the 1004, 1025, 1073 and friends — are being replaced by a single new format.
What stays the same
The way an appraiser reaches a value hasn't changed. Inspect the property, pull the comps, build the grid, support the conclusion. The analysis is the analysis.
What's new
One dynamic form instead of many, a different data structure, and new software. Vendors are still finalizing their tools, which means the workflow — not the appraising — is where the friction lands.
Why it matters now
The transition will be bumpy for anyone without a prepared partner.
Appraisers are retiring
Some veterans would rather hang it up than relearn a new form and new software. The panel gets thinner right when you need it.
3.6-ready coverage will be uneven
Finding an appraiser who is trained, licensed and 3.6-capable in every market will be a real challenge in the first weeks.
Software is still landing
Vendor tools are finalizing late. Anyone who waits until November to figure it out will spend November figuring it out.
How EA is preparing
We'd rather over-prepare than explain a delay.
Get prepared
Get our 3.6 readiness guide.
A short, practical rundown for lenders: what changes, what to ask your AMC, and how to protect your November closings.
Let's pressure-test your November.
Bring us your pipeline and your markets. We'll tell you where the 3.6 risk actually is.