Arc HomeArc Home requires UAD 3.6 appraisals for agency loan deliveries starting November 2, 2026, while continuing to allow either UAD 2.6 or UAD 3.6 for non-agency programs.
Arc HomeArc Home began accepting UAD 3.6 appraisals for all loans on October 28, 2026, and mandates them for GSE products starting November 2, 2026, unless an approved GSE exception applies.
Carrington CorrespondentCarrington began permitting UAD 3.6 appraisals on October 1, 2026, and requires UAD 3.6 format for all newly submitted loans starting October 15, 2026.
Fannie MaeFannie Mae requires lenders unable to comply with the November 2, 2026 UAD 3.6 mandate to obtain a temporary exception to continue submitting UAD 2.6 appraisals, ending all UAD 2.6 acceptance on June 28, 2027.
Fannie MaeFannie Mae announced alignment of MH Advantage and CHOICEHome manufactured housing standards starting June 4, 2026, alongside immediate revisions to gift donor and credit reference guidance.
Fannie MaeFannie Mae immediately enacted highest and best use appraisal requirements for UAD 3.6, expanded NACLI eligibility, and announced restructured rental income rules effective December 1, 2026.
Freddie MacFreddie Mac confirmed its November 2, 2026 UAD 3.6 mandate while allowing approved sellers with a policy exception to submit new UAD 2.6 appraisals through May 19, 2027, and resubmissions through June 27, 2027.
Lakeview CorrespondentLakeview established valuation review rules for non-conforming jumbo loans, eliminated buydowns on specified government loans, and mandated wet-signed notes for state housing finance agency deliveries.
Lakeview CorrespondentLakeview affirmed Classic FICO requirements while declining VantageScore 4.0, removed certain non-agency prepayment penalty restrictions, and approved remote online notarization for powers of attorney.
Lakeview CorrespondentLakeview permits optional delivery of FHA appraisals in the new dataset format and extended its daily lock desk operating hours.
FHLB Chicago MPFFHLB Chicago adopted Fannie Mae guidance for MPF Xtra, applying immediate UAD 3.6 highest and best use appraisal reporting instructions and setting a November 1, 2026 mandate for revised rental income rules.
FHLB Chicago MPFFHLB Chicago permits MPF Traditional participants to use legacy appraisal formats through May 19, 2027, while maintaining the November 2, 2026 UAD 3.6 requirement for MPF Xtra unless granted a Fannie Mae exception.
National MINational MI announced it accepts UAD 3.6 appraisal forms and defers to GSE appraisal review standards, while updating accessory dwelling unit rules and removing its 3-4 unit debt-to-income overlay.
Newrez CorrespondentNewrez accepts GSE loans with UAD 2.6 appraisals only through February 28, 2027, and permits UAD 3.6 for FHA, Jumbo, Med Pro, and Smart Series programs.
Pennymac CorrespondentPennymac accepts UAD 2.6 or UAD 3.6 appraisals for GSE loans through February 28, 2027, stops buying UAD 2.6 loans starting March 1, 2027, and immediately accepts UAD 3.6 appraisals on non-agency products.
Pennymac CorrespondentPennymac permits delivery of UAD 3.6 appraisals for eligible FHA Title II forward mortgages with case numbers assigned on or after October 1, 2026, provided the initial format is maintained.
Arch MIArch MI immediately accepts VantageScore 4.0 across all loan programs from operationally ready lenders, requiring identification of the score model used without modifying minimum credit score requirements.
EssentEssent immediately accepts VantageScore 4.0 for eligible DU and LPA loans, requiring rate quotes and submissions to designate the model while prohibiting mixed scoring models across borrowers.
Fannie MaeFannie Mae is revising manual underwriting eligibility for loans delivered on or after February 22, 2027, applying identical minimum credit score requirements to both Classic FICO and VantageScore 4.0.
Fannie MaeFannie Mae added VantageScore 4.0 as an approved credit score model available solely to approved lenders, requiring all other lenders to continue using Classic FICO.
FHAFHA is adopting VantageScore 4.0 and FICO 10T alongside Classic FICO for Title II Single Family mortgage programs effective January 1, 2027, requiring consistent model types across all borrowers on a transaction.
Freddie MacFreddie Mac aligned its Credit Fee grids across VantageScore 4.0 and Classic FICO models for mortgages allocated to contracts accepted on or after October 1, 2026.
FHLB Chicago MPFFHLB Chicago MPF announced the immediate ineligibility of mortgages evaluated using VantageScore 4.0 for delivery under the MPF Xtra program.
FHLB Chicago MPFFHLB Chicago MPF allows Desktop Underwriter loans using VantageScore 4.0 exclusively for MPF Xtra, while keeping the model ineligible for manual underwriting and MPF Traditional products.
National MINational MI immediately accepts VantageScore 4.0 for DU Approve/Eligible and LPA Accept/Eligible loans that meet GSE requirements and TrueGuide score minimums.
Newrez CorrespondentEffective September 15, 2026, Newrez Correspondent permits conventional conforming and high-balance primary residence deliveries using VantageScore 4.0, provided the model is used consistently for all borrowers and identified on bid tapes.
Newrez CorrespondentEffective September 21, 2026, Newrez Correspondent allows approved correspondents to deliver VA mortgages underwritten with VantageScore 4.0 with consistent model usage across borrowers.
Newrez CorrespondentNewrez Correspondent bars second homes and investment properties when the VantageScore 4.0 model is utilized.
Pennymac CorrespondentEffective October 2, 2026, Pennymac Correspondent announced acceptance of VantageScore 4.0 on conventional GSE loans subject to tri-merge and single-model rules.
Pennymac CorrespondentPennymac Correspondent immediately accepts VantageScore 4.0 for bulk conforming deliveries and eliminated its dual-score tri-merge and Classic FICO requirements for GSE loans.