Why AAG is the AMC of choice for the UAD 3.6 Transition

November 2 has passed. The UAD 3.6 mandate is now in effect, but lenders are not all on the same transition timeline. Your AMC should be able to answer a practical question: which format does your next appraisal order need, and what happens if that report needs a revision later?

In Why Appraisers and Lenders Should Start Using the New UAD Forms Now, we explained why the temporary policy exception is not a reason to delay preparation. The November 2, 2026 mandate took effect for lenders without an exception. Lenders granted an exception have more time, but that time comes with conditions and a firm end to UAD 2.6 support.

For AAG, the job now is to support both paths without losing sight of the individual order. Here is what that looks like.

Confirm the requirements before assigning the order

Two lenders can now need different formats for otherwise similar assignments. A lender without an exception needs UAD 3.6 for applicable submissions. A lender with an approved exception may continue using UAD 2.6 within the transition rules.

We are confirming exception status with our clients so each order starts with the right requirements. For lenders working through investors or aggregators, that also means aligning with the requirements of those partners.

The format should not be a question discovered after the appraiser has started work. It belongs in the conversation before assignment.

Support both formats without encouraging delay

AAG supports UAD 3.6 and UAD 2.6 through the transition. That matters for clients already using UAD 3.6 and for excepted lenders working toward their implementation date.

But supporting both formats is not the same as recommending that lenders wait.

For excepted lenders, March 1, 2027 brings reduced functionality for UAD 2.6, including the highest collateral risk scores and the loss of certain appraisal-related rep and warrant relief. May 20 ends new UAD 2.6 submissions. Support ends entirely on June 28.

Our goal is to support your implementation within the applicable requirements while helping you avoid treating the exception as extra time to stand still.

Plan for revisions before the report is delivered

A completed appraisal is not always the last step. Underwriting questions, a delayed closing, or a later review can bring the report back for a revision.

That is why the initial form choice needs to account for more than today's order date.

For excepted lenders, previously submitted UAD 2.6 reports can continue to be resubmitted through June 27, 2027, subject to the transition rules. For lenders without an exception, applicable submissions have needed to meet UAD 3.6 requirements since November 2.

We consider those requirements when discussing the assignment and its likely timeline. No AMC can promise that every future revision will be routine. The goal is to identify avoidable format problems early, rather than leave them for a time-sensitive file.

Build appraiser capacity for the full transition

UAD 3.6 is not a one-day event. Some lenders have made the switch, while excepted lenders are preparing to follow. Appraisers need to work in both formats during that overlap.

We are building panel capacity with that overlap in mind. Property knowledge and local market experience remain essential. Readiness to complete the required reporting format is another part of matching the appraiser to the assignment.

AAG is appraiser-owned. We understand that the learning curve affects the person completing the report as well as the team reviewing it. Clear requirements and communication matter on both sides.

Check the workflow, not just the software

A new report format needs more than a software update. The order needs to identify the correct format. The appraiser needs to deliver it. The lender needs to receive, review, store, and retrieve it.

Our Reggora and Mercury Network integrations support UAD 3.6 orders. We check order details, including fees, before assignment so expectations are clear.

The redesigned report's structured sections can also make information easier to locate during review. That is a useful improvement—not a guarantee that reports will never need clarification.

Be ready for the next wave, too

November 2 was a major checkpoint, not the end of the work. For excepted lenders, March 1, 2027 is the next date to plan around.

We expect another wave of lender conversions ahead of March 1 as excepted lenders work to avoid UAD 2.6's reduced functionality. We are planning capacity in both formats to support that transition as well.

The right AMC partner should help you handle the order in front of you while keeping the next deadline in view.

One partner through the transition

Our earlier article explained why starting now matters. The next step is making sure your requirements are clear and your appraisal partners can support them.

AAG brings an appraiser-owned perspective, support for both formats, and a focus on identifying requirements before work begins.

Before your next order, let's confirm where you stand, which format applies, and what your transition plan means for upcoming files.

Contact our team to talk through your UAD 3.6 transition.