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There's a growing controversy about the new Certification 25 on Fannie Mae and Freddie Mac's UAD 3.6 appraisal report. Starting in late September 2026, the debate has moved from a podcast episode to the blogs to just about every appraiser forum.
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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.
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Every appraiser reading this is using technology tools in their assignments. MLS platforms, adjustment software, sketch tools like CubiCasa, data aggregation services, and increasingly, AI-powered platforms like Spark that do more of the analytical lifting.
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Significant changes to the appraisal profession rarely arrive with headlines. Instead, they appear in agency guidance, revisions to underwriting manuals or updates to long-standing administrative procedures. Although these policy changes often receive little public attention, they can significantly influence how residential appraisers, lenders and appraisal management companies conduct business.
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Much of the industry's preparation for UAD 3.6 has understandably focused on the appraisal report itself. After all, appraisers need to learn a fundamentally different reporting format.
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I just got back from Valuation Expo, the nation's largest and most dynamic conference for real estate appraisers and valuation industry stakeholders. More than 800 people made it to Las Vegas this year.
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> The Appraiser Coach > AMC Guide > OREP E&O ★★★★★“They are knowledgeable, professional, and understand urgency.” – Joe Thweatt Becoming an Appraiser: Courage to Grow Beyond Training by Timothy Andersen, The Appraiser’s Advocate AbstractCompleting appraisal training marks not an end but merely a beginning. This essay argues that professional maturity emerges through judgment under uncertainty, not credentials alone.…
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> The Appraiser Coach > Appraisal Institute > OREP E&O★★★★★”They are knowledgeable, professional, and understand urgency.” – Joe Thweatt An Abridged History of the Appraiser Profession by Kendra Budd, Editor For most of the 20th century, there was nothing stopping anyone from calling themselves an appraiser. Licensing didn’t come about until the early 1990s as a result of FIRREA,…
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> The Appraiser Coach > AMC Guide > OREP E&O ★★★★★”They are knowledgeable, professional, and understand urgency.” – Joe Thweatt Am I Being Paranoid, or Is There Another Reason? by Richard Hagar, SRA Think about all the information local appraisers have assembled that state and federal governments don’t have but would like to have. 98 percent of the required…
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> The Appraiser Coach > AMC Guide > OREP E&O ★★★★★”They are knowledgeable, professional, and understand urgency.” – Joe Thweatt Florida Class Action: What’s It Mean for Appraisers? by Isaac Peck, Publisher For the second time in just over a year, a class action lawsuit is challenging how appraisal management companies (AMCs) handle the fees borrowers pay for appraisals.…
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