Live on UAD 3.6 since April 2026.
The redesigned URAR becomes mandatory on November 2, 2026. RSDS appraisers have delivered 3.6 reports in live production since April, priced at parity with no 3.6 surcharge.
Verified UAD 3.6 readiness as of October 2026. Figures refresh daily from the RSDS readiness report.
Fees, turn times and readiness.
Will UAD 3.6 cost more?
No. Our 3.6 assignments are priced at parity with our current fee schedule, and no permanent increase is planned.
Will turn times increase?
Early in the transition we saw a modest learning curve. As our appraisers complete more 3.6 reports, speed is converging with legacy work: median turn time on 3.6 Traditional Single Family matches legacy at 4.0 days.
Who will appraise my 3.6 orders?
Only appraisers verified on the redesigned URAR. That rule is enforced in our assignment logic, not a policy memo. The rest of the panel completes a scheduled deployment plan before taking 3.6 work.
How do I know who is ready in my markets?
RSDS produces a UAD 3.6 readiness report every business day listing every appraiser by name, office and verified status. Clients receive the roster for their markets as a standing deliverable.
The industry is not ready.
In a Corporate Settlement Solutions survey of 900 appraisers, only 30% reported having UAD 3.6 software and workflows in place, 63% expected longer turn times and 52% anticipated fee increases.
That population is independent contractors. No one can require a contractor to buy software or complete training. RSDS employs its appraisers, provides the software and funds the training, so readiness is something we manage rather than hope for.
Key dates from the GSEs.
Limited production begins. The first live UAD 3.6 submissions are accepted.
Broad production. Lenders may submit on either UAD 2.6 or 3.6.
Mandatory. Legacy 2.6 reports submitted to UCDP return a fatal error.
UAD 2.6 retired after the policy exception and pipeline revision periods.
The mandate keys off the UCDP submission date, not the application date. Confirm current dates with Fannie Mae and Freddie Mac.
Why UAD 3.6 matters.
One dynamic report
A single, data-driven URAR replaces the 1004, 1073, 2055, 1025 and their exterior-only variants.
Structured data
More fields are standardized, so reports are easier to validate and harder to fill with boilerplate.
New review expectations
Findings move earlier in the process, making clean, well-supported reports more valuable than ever.
New software and delivery
Appraisal software, lender platforms and AMC systems all have to produce and accept the new dataset.
Employees, not contractors.
Employment changes what we can require, verify and guarantee, from software and training to capacity and accountability.
| Contracted (1099) panels | RSDS employed (W-2) staff | |
|---|---|---|
| Relationship | Independent contractors | W-2 employees, paid hourly plus commission |
| Software | Each appraiser buys and learns their own | Company-provided and centrally deployed |
| Training on new standards | Voluntary, at the appraiser’s cost | Mandatory, company-funded and tracked |
| Readiness visibility | Self-attested, if collected at all | Verified and reported daily, by name |
| Capacity | Order-by-order acceptance, no guarantee | Scheduled staff and committed capacity |
| Quality control | After-the-fact review, limited remediation | Three-tier in-house review with supervisory authority |
| Accountability | Removal from the panel | Direct supervision, coaching and performance management |
Make November 2 uneventful.
Ask for the verified 3.6-ready roster in your markets.