UAD 3.6: Appraisal Reports Are Changing

The redesigned Uniform Residential Appraisal Report uses a flexible reporting structure driven by property data instead of selecting among the legacy property-type forms. This is a national reporting change, not a new Reno-specific valuation rule or a prediction that home values will rise or fall.

新版 Uniform Residential Appraisal Report 以物件資料帶動動態報告，取代原有依房型選擇的舊表格。這是全國性的報告方式調整，不是 Reno 專屬的估值規則，也不代表房價必然上漲或下跌。

Freddie Mac — UAD 3.6 overview and forms redesign

Fannie Mae’s UCDP FAQ identifies November 2, 2026 as the UAD 3.6 requirement for new appraisal-report submissions. The initial UCDP submission date controls, rather than the loan application date. Lenders unable to transition may request an exception from each applicable GSE. Confirm the lender’s actual arrangement.

房利美 UCDP FAQ 說明，2026 年 11 月 2 日起新送交的鑑價報告原則上須使用 UAD 3.6；判斷依據是首次送交 UCDP 的日期，而不是申請貸款日期。無法如期轉換的貸款機構可向各適用 GSE 申請例外，請確認承辦貸款方實際安排。

Fannie Mae’s current exception guidance permits participating lenders to continue new UAD 2.6 submissions through May 19, 2027. This is not an automatic extension for every lender or borrower.

依房利美目前例外指引，依程序適用例外的貸款機構可持續提交新的 UAD 2.6 報告至 2027 年 5 月 19 日，並非所有貸款方或借款人自動展延。

Fannie Mae — UCDP FAQ · Fannie Mae — current UAD transition and exception guidance

Before scheduling around an appraisal, ask your lender: “Which appraisal report format are you ordering, and are any transition steps relevant to our closing schedule?” Sellers can organize accurate renovation records, permits and property details for the transaction team. Buyers should distinguish appraisal, inspection and underwriting requirements; one does not replace the others.

安排鑑價及交割前，先問貸款方：「你訂的是哪種鑑價格式？轉換作業是否影響我們的交割時程？」賣方可整理正確的整修紀錄、許可與房屋資料供交易團隊使用。買方則要區分鑑價、驗屋與核貸要求，彼此不能取代。

Return to Reno Market Reports / 回到市場報告 · Professionals involved in a Reno purchase / 購屋專業分工

Source review: October 28, 2026. This summary accompanies the original Short published October 28, 2026. Official GSE policy, lender requirements and later updates control; this is general education, not a loan approval, valuation opinion or promise of an unchanged closing date.

MingChi Huang 黃明智, REALTOR® · Nevada BS.0146876 · Berkshire Hathaway HomeServices Drysdale Properties. Separate Nevada-only mortgage services: Mortgage Loan Originator, NMLS #2663206, Family Mortgage Inc. Real estate and mortgage services are distinct; choose your own lender and qualified appraiser as appropriate to the process.

資料查核：2026 年 10 月 28 日。內容搭配同日發布的原始 Short，實際依官方 GSE 規定、貸款機構要求及後續更新為準，並非核貸、估值意見或交割時程保證。黃明智的房地產經紀服務與 Family Mortgage Inc. 房貸服務分開；房貸服務限內華達州。鑑價由合適的鑑價專業人員依程序完成。

Professional credentials / 專業資格 · Original YouTube Short / 原始影片