The New UAD 3.6 Appraisal Form: What Homeowners, Realtors, and Lenders Need to Know

The real estate appraisal industry is undergoing a major transformation with the release of the new UAD 3.6 appraisal form. Whether you’re a homeowner, Realtor®, or mortgage lender in Scottsdale, Phoenix, or anywhere in Arizona, this update impacts how property values are reported, analyzed, and understood.

As a certified real estate appraiser based in Scottsdale, I’m here to help you navigate what this change means and how it affects the appraisal process moving forward.

What Is the UAD 3.6 Appraisal Form?

The Uniform Appraisal Dataset (UAD) 3.6 is the latest version of the standardized appraisal form required for most mortgage lending transactions. Developed to increase consistency, clarity, and compliance, especially for loans backed by Fannie Mae and Freddie Mac, this update introduces a number of enhancements designed to streamline the entire appraisal process.

Key objectives of UAD 3.6:

• Deliver more detailed, structured property data

• Increase transparency in how valuations are determined

• Improve communication between appraisers, lenders, and underwriters

• Minimize reporting errors and inconsistencies

What’s New in the UAD 3.6 Form?

1. Expanded Property Data Requirements

Appraisers are now required to provide more in-depth information on a property’s condition, upgrades, and comparable sales. While this demands more analysis, it also leads to greater appraisal accuracy.

2. Structured, Standardized Reporting

The form now follows a clearer, more structured format. This not only reduces ambiguity but also helps lenders and underwriters review appraisals more efficiently, potentially speeding up loan approvals.

3. Digital-Friendly Design

UAD 3.6 has been optimized for modern software platforms. It’s easier to integrate with digital tools and automated systems, helping to reduce delays caused by manual data entry or form errors.

4. Improved Local Market Analysis

Appraisers are now expected to offer more insight into local market conditions, which is especially crucial in high-demand areas like Scottsdale and the greater Phoenix metro.

Why It Matters for Homeowners, Realtors, and Lenders

If you’re selling, buying, or refinancing a property in Arizona, you’ll notice the difference this new format brings.

For Homeowners:

Expect a more transparent and detailed valuation. The report gives clearer insight into how your home’s value was calculated—reducing surprises during the appraisal process.

For Realtors:

You’ll get appraisals that align more closely with actual market activity, helping you guide clients with more confidence in pricing strategies and negotiations.

For Lenders:

The structured data format enhances compliance and efficiency, making loan processing smoother and faster.

Why Work with a Local Appraiser in Scottsdale?

While the form has changed, the value of working with an experienced local appraiser remains the same.

Big-box platforms and automated valuations can’t match the expertise of someone who understands:

• Scottsdale’s unique property types

• The nuances of Phoenix’s evolving real estate market

• Arizona-specific valuation considerations

As a Scottsdale-based certified appraiser, I specialize in providing accurate, compliant, and reliable valuations under the new UAD 3.6 standards—whether you’re a homeowner, agent, or lender.

Final Thoughts: A Smarter Appraisal Future

The rollout of the UAD 3.6 form marks a major evolution in the appraisal industry. It brings much-needed consistency, transparency, and digital readiness—benefiting everyone involved in real estate transactions.

If you’re in Scottsdale, Phoenix, or Maricopa County, and need an appraisal that aligns with the latest federal standards, don’t leave it to chance. Work with a trusted professional who knows the market inside and out.

📞 Contact me today to schedule your UAD 3.6-compliant appraisal in Scottsdale, Phoenix, or anywhere in