Simplifying UAD 3.6

Opteon is your strategic partner in this transition, helping customers to reduce risk, speed up pipelines, and unlock better results.
We simplify the transition so you can focus on lending, not learning curves.

What it means

For Lenders

Reduced revision times 

UAD 3.6 standardizes condition, quality, and data fields, eliminating ambiguity and cutting down the back-and-forth with Appraisers.

Concise QC with structured data

The structured XML format enables automated checks, making quality control faster, clearer, and less subjective.

Future-ready underwriting & analytics 

Rich, consistent appraisal data feeds directly into AI and advanced models, powering smarter, data-driven lending decisions.

Preparing for the Changes

The UAD 3.6 rollout is a chance to strengthen your lending operations.

By aligning early, Lenders can minimize disruption, reduce costly revision cycles, and give underwriting and QC teams the benefit of cleaner, structured data from day one.

With Opteon, you’ll be ready for every phase of the transition from limited production to final mandate, we will help ensure your pipelines keep moving while competitors are still catching up.

  • Internal strategic alignment
  • Understand technology implications
  • Update operational forms & collateral
  • Refresh training for Underwriters & ordering staff
  • Address compliance policies & data controls
  • Manage end to end testing & validation
  • Hyper care support through Broad & Mandated Release
3.6 checklist

Download our UAD 3.6 Lender Checklist 

Our checklist will arm you with all the right questions to ask to prepare you for this change. From forming internal change teams, to policy and training updates and which departments may be impacted, we have you covered.

UAD 3.6 Timeline

  • Limited Production

    Fannie Mae and Freddie Mac can accept both UAD 2.6 and 3.6 from Lenders & Appraisal Firms approved. 

    09/08/2025

  • Broad Production

    All Lenders may begin submitting to the GSEs’ production environment without prior GSE approval.

    01/26/2026

  • Mandated UAD 3.6

    Lenders must use UAD  3.6 for all new
    submissions on or after this date.

    11/02/2025

More Resources