Newz: GSEs Create Exception for UAD 3.6 Deadline for Approved Lenders Through May 19, 2027, Weather Impact on Appraisals
October 2, 2026
ARTICLE LIST – Scroll down the page to read
- LIA AD: Weather Impact
- GSEs Create Exception for UAD 3.6 Deadline for Approved Lenders Through May 19, 2027, Plus ACI Update, By Frank Andorka, Managing Editor, WorkingRE
- Palm Beach’s Landmark ‘Ham and Cheese House’ Is Listed for an $105 Million
- MY AD: Disciplinary Proceedings: What Conduct Leads to Discipline? By Claudia Gaglione
- The Mathematics of Judgment By Dustin Harris
- Fewer Appraisers. Better Appraisers. Which One Are You Going to Be? By Dustin Harris
- MY UAD 3.6 UPDATE – ACI NEWS:Only the desk top version is withdrawn. The cloud base program still works.
- 18th Annual Appraisal Summit in Las Vegas – Oct. 31-Nov. 3, 2026.
Hear what the GSEs say about Nov. 3. All the software vendors will be there – demos, questions. Network with appraisers.
HAVE FUN! OCTOBER 31 IS HALLOWEEN!!
- MBA stats: Mortgage applications decreased 6.0 percent from one week earlier
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GSEs New Exception for UAD 3.6 Deadline for Approved Sellers : Runs through May 19, 2027
PLUS ACI UPDATE
By Frank Andorka, Managing Editor, WorkingRE
Approved sellers who are unable to fully implement UAD 3.6 before the formal Nov. 2, 2026, deadline will be allowed to continue submitting legacy UAD 2.6 appraisal reports through May 19, 2027, according to Fannie Mae and Freddie Mac.
The GSEs will also allow resubmissions of UAD 2.6 appraisal reports through June 27, 2027. As of March 1, 2027, UAD 2.6 appraisals will no longer qualify for certain appraisal-related representations and warranties relief.
From March 1 through May 19, 2027, UAD 2.6 reports will receive a Collateral Underwriter® (CU) risk score of 999 when submitted to Fannie Mae, and their functionality will be reduced in both CU and Loan Collateral Advisor®. The GSEs encourage sellers to fully adopt UAD 3.6 as soon as possible, as this is a one-time policy exception that will not be extended.
“Many lenders are submitting UAD 3.6 appraisal reports; however, some lenders may need more time to adopt,” the GSEs said in the release announcing the exception.
Submitting a UAD 2.6 report after Nov. 2 will require explicit approval from the GSEs. To request a policy exception, a representative of the seller who is authorized to enter into a binding contract must complete the online UAD 3.6 Policy Exception Request for each GSE to which it sells loans.
To read the GSE UAD 3.6 Policy Exception documents, Click Here
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ACI Update
In a perhaps unrelated announcement the day before (September 29, 2026) the GSEs announcement, ACI, an appraisal software that has been serving appraisers for decades, signaled that they were scrapping ACI Sky™ Workbench, it’s UAD 3.6-compliant appraisal report.
ACI wrote on its Facebook page:
“After careful consideration, we’ve made the decision to stop the current version of ACI Sky™ Workbench and focus our efforts on developing a significantly improved Workbench 2.0 experience, targeted for release in Spring 2027…. Access to the current ACI Sky Workbench platform will end October 9, 2026.”
Appraisers in the comments on ACI’s post reported they had been in communication with ACI and were told that “there was no interim solution in place for current ACI subscribers for completing UAD 3.6 assignments,” according to one appraiser. That same appraiser quoted an email he received as saying: “At this time, the information provided to us confirms that ACI Desktop will remain available for existing UAD 2.6 and legacy workflows, but it does not provide a confirmed interim ACI workflow for completing UAD 3.6 reports after Workbench is removed.”
To read the full WorkingRE article, Click Here
My comments on Exceptions:
THIS DOES NOT CHANGE THE NOVEMBER 2, 2026 DATE FOR ALL SELLERS/ LENDERS (WITHOUT APPROVED EXCEPTIONS) TO ONLY SUBMIT UAD 3.6 APPRAISALS.
I read an online post from an appraiser about using prediction markets like Kalshi and Polymarket for The UAD 3.6 deadline of November 2. The post had several interesting comments posted.
My opinion has been No Change for November 2 for awhile. The GSEs have seen successful appraisal and lender submissions for awhile. Now they have a way to keep the deadline with one exception.
I am not surprised. I have known for a long time that the “weak link” is the lenders not the appraisers. Appraisers just have to learn how to do the changes in reporting. Lenders have to redo their computer systems for all the changes.
I attended two event sessions where GSE representatives were speaking. I asked them about what was happening with lenders. They did not say much.
I was available to find very little help for lenders online.
What appraisers need to do – a few ideas
Learn about the new Exceptions and what is required. It is complicated.
To read the GSE UAD 3.6 Policy Exception documents, Click Here
When a lender requests an appraisal be sure you both agree on what type of appraisal will be needed: UAD 3.6 or 2.6. Get the request in writing.
To be sure, you could ask if they have an approved Exception. Then you will know they will be submitting a UAD 2.6 appraisal.
A few ideas from Doug Smith
1. Keep training on 3.6. The exception postpones the deadline for some lenders. It doesn’t retire the format.
2. Get the format in writing. On every order after Nov 2, confirm 2.6 or 3.6 in the engagement letter, especially for FHA and VA.
3. Ask lender clients whether they’ve requested the exception from one GSE, both, or neither.
4. Expect a dual-track transition. Some clients will still order 2.6 into 2027. Others will move early to avoid the March 1 penalties.
Status of FHA and VA – unknown currently. Lots of rumors and comments.
In future Friday newsletters I will let you know more, as it becomes available. It is complicated. I received notification of these new exceptions on September 30, 2026. I had limited research time available before my newsletter deadline on October 2, 2026 at 6:30 AM.
Many thanks to WorkingRE for writing this article on November 2026 about the new GSE Exception changes and ACI update!
