Loan impact
Summarized from the announcement · partly verifiedApplies to: Applies to conventional agency loan programs delivered to the investor.
Scope differs by change; see each change below.
- Addressed to
- Arc Home correspondent sellers and wholesale brokersFrom the publisher, not quoted from the text
- Investor
- ArchomeFrom the publisher, not quoted from the text
- Affected area
- Report format
- Affected documents
- Property appraisal valuation report
- Exceptions
- sellers holding an agency exception that is reviewed and accepted
- Effective
- Nov 2, 2026
- Applicability confidence
- Partly verified: some rows are not matched to a quote from the source
Summary by AWACS. Arc Home's guide is proprietary, so AWACS does not reproduce its text. Read the official announcement ↗ (opens in a new tab)
What changed
Summarized from the announcement| Requirement | Previously | Now |
|---|---|---|
| Required appraisal data delivery standardTightenedRequired | Not stated | Appraisals for agency offerings must be provided under the modernized 3.6 layout. |
| Applies when: Program is Conventional | ||
| Valuation formatting for non-conforming productsRelaxed | Not stated | Lenders retain the flexibility to provide either 2.6 or 3.6 formatted appraisal files. |
What to do
AWACS interpretation · not source languageWhat to review: Review the mandatory requirement to deliver appraisals in the modernized 3.6 format for conventional agency offerings effective 2026-11-02, along with the continued allowance to submit either 2.6 or 3.6 formats for non-agency loans.
Ensure appraisal reports for conventional agency offerings follow the modernized 3.6 layout starting 2026-11-02 unless an approved agency exception applies.
Verify that conventional agency loan appraisals adhere to the 3.6 layout effective 2026-11-02 unless an accepted agency exception is on file.
Confirm that conventional agency loans delivered on or after 2026-11-02 include appraisal data in the 3.6 format absent an accepted exception.
QC implications
- Sample conventional agency loan files effective 2026-11-02 to verify that appraisals use the mandatory 3.6 layout or have an accepted agency exception on record.
- Confirm that non-agency loan files contain appraisal reports submitted in either the 2.6 or 3.6 format.
Questions about this change
When does Arc Home Mandates UAD 3.6 Appraisal Format for Agency Loan Offerings take effect?
- On November 2, 2026 (appraisal report specifications for agency offerings).
Which loans does Arc Home Mandates UAD 3.6 Appraisal Format for Agency Loan Offerings affect?
- Applies to conventional agency loan programs delivered to the investor.
What changed in Arc Home Mandates UAD 3.6 Appraisal Format for Agency Loan Offerings?
- Required appraisal data delivery standard, valuation formatting for non-conforming products.
What should QC review after Arc Home Mandates UAD 3.6 Appraisal Format for Agency Loan Offerings?
- AWACS interpretation, not source language: Review the mandatory requirement to deliver appraisals in the modernized 3.6 format for conventional agency offerings effective 2026-11-02, along with the continued allowance to submit either 2.6 or 3.6 formats for non-agency loans. Sample conventional agency loan files effective 2026-11-02 to verify that appraisals use the mandatory 3.6 layout or have an accepted agency exception on record. Confirm that non-agency loan files contain appraisal reports submitted in either the 2.6 or 3.6 format.
Related reading
Source and record
Version 1 · archivedChecks
Source verified: Passed
The document ID, link and publication date match the official source.
Quotes match the source: Passed
Every quoted passage appears word for word in the official document.
- A loan-impact detail without a supporting quote was removed
Requirements backed by the source: Passed
Anything marked required is backed by the requirement language and dates in the source.
In scope: Passed
The document is about residential mortgage lending.
Format and labels: Passed
The record follows the AWACS format and uses its standard labels.
- A detail the source does not support was removed or adjusted
Source
- Correspondent Announcement New Appraisal Matrix (2026-11-04) (official) ↗ (opens in a new tab)
- Archived copy, SHA-256 b9d8d7be96a1…
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