For decades, the appraisal industry has relied on static forms that have restricted storytelling, slowed automation, and left both Lenders and Appraisers navigating complexity.
Now, with UAD 3.6, the GSE’s are leading the biggest shift in valuation reporting since digitization. The new Uniform Residential Appraisal Report (URAR) brings together structured data, image integration, and real-time validation laying the groundwork for a smarter, faster, and more consistent future.
As a leader in technology & innovation this is the change we have been waiting for.
What’s Changing and Why It Matters?
Beginning September 8, 2025, the rollout starts with a Limited Production Period. Lenders can submit UAD 2.6 or 3.6 reports, with broad production extending through November 1, 2026. From November 2nd next year, UAD 3.6 becomes mandatory.
But this isn’t just a form change, it’s a full-scale data evolution including:
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Condition and quality now split into interior/exterior fields
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Conditional sections will appear only when relevant
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Structured adjustments will create cleaner comparisons
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GSE compliance logic will be embedded directly into the format
As of June 4, 2025, Fannie Mae and Freddie Mac have both issued updated policy guides to support the transition.
The Turning Point for Appraisal
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“UAD 3.6 is not a checkbox, it’s a catalyst. It moves us from static documentation to structured intelligence and at Opteon we have been playing in this sandbox for years.” Lee Trice, Managing Director, Opteon |
Opteon always aim to deliver more value. With the implementation of new technology, processes and products over the past 5 years we can see the future benefits and are already looking beyond the implementation phase.
The new standard will support the appraisal industry move into that future bringing with it:
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More data consistency for true comparison underwriting
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Shorter turn times and fewer revisions
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Automation & intelligent data processing through machine-readable XML data and embedded media
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Smarter risk models with clean, comparable analytics
Real Challenges with Smarter Solutions
Change is rarely easy and without challenge. The shift to UAD 3.6 surfaces real concerns across our industry. From steep learning curves to platform disruptions. Opteon doesn’t see obstacles, we see opportunities to lead.
With Jaro technology already in the hands of appraisers at Opteon, we have tools that were built for this change. With our partner Jaro, we are turning challenges into opportunities for success.
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Industry Challenge |
How we are solving it |
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Complex form logic |
Our guided UI simplifies data entry, with intelligent field management and flagging of missing fields before submission |
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Dual pipeline support |
Our flexible report & UI builder means appraisers means the technology will do the heavy lifting to convert the same inputs from the appraisers to the required format. |
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Legacy tech gaps |
Our Jaro partner technology is UAD 3.6-ready, integrated with GSE APIs, and optimized for speed |
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Field data load |
Our tools reduce in-field time with integrated tools end to end including pre-populated forms, smart scanning, and integrated photo capture and data extraction |
| Loss of professional nuance | We embed field-specific commentary guidance and prompt for expert insights, meaning appraisers are not lost in dropdowns
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The Path Forward
UAD 3.6 is as much about capability as it is compliance. With our technology and customised processes, Opteon empowers appraisers and lenders with:
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End-to-End GSE Integration: Real-time customised data checks, ULDD/UCDP API sync, and proactive instant error resolution
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Smart Field Tools: Mobile & AI enabled lidar technology that manages photo, sketch, and data capture reducing hours of manual capture or back-and-forth
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Readiness Change Management: Opteon are offering in-house UAD readiness diagnostics, tailored training, and sandbox pilots
Our Commitment: Make the Data Invaluable
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“Opteon is here to help clients move beyond compliance and maximise benefits of this change with real performance uplift and insight. UAD 3.6 is the foundation for the next-generation of valuation.” Willium Salus, Vice President of Product Management & Technology Innovation at Opteon. |
As the market evolves, so must our methods. UAD 3.6 gives us the structure and Opteon provides the strategy, support, and innovation to unlock its full value.
Ready to lead the UAD 3.6 change with confidence?
Book a consultation to see how we can support you through Limited and Broad Production Periods.
