AWACSMortgage compliance intelligence from Flightline

Arc Home · Correspondent Announcement Uniform Appraisal Dataset 3.6 Format Update (2026-10-29) · Published

Arc Home to accept UAD 3.6 appraisals and require them for its GSE products

From November 2, 2026, Arc Home requires appraisals in UAD 3.6 format for its Fannie Mae, Freddie Mac and GSE cash-out products. It accepts UAD 3.6 for all loans from October 28, 2026, and other programs may use either format until further notice; sellers with an accepted GSE exception may keep using 2.6 for a limited time.

Action requiredEffective Nov 2, 2026Checks passed· adjusted automaticallyRead the announcement ↗ (opens in a new tab)

Loan impact

Summarized from the announcement · needs review

Applies to: Arc Home Fannie Mae, Freddie Mac and GSE cash-out product loans need UAD 3.6 appraisals from November 2, 2026; all other programs may use either format, and sellers with an accepted GSE exception may temporarily stay on 2.6.

Applies when all of these are true
  • ANDArchome loan
  • ANDInvestor is fannie or freddie
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
Appraisal report; Seller GSE exception letter
Effective
Nov 2, 2026
Applicability confidence
Needs review: some rows could not be 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
RequirementPreviouslyNow
UAD 3.6 appraisal format for GSE productsNewRequiredNot statedAppraisals for Arc Home Fannie Mae, Freddie Mac and GSE cash-out products must use UAD 3.6
Applies when: All loan-impact conditions above
Acceptance of UAD 3.6 appraisalsRelaxedNot statedArc Home accepts UAD 3.6 appraisals on every loan type
Temporary UAD 2.6 use for sellers with GSE exceptionRelaxedNot statedSellers holding a GSE exception may keep delivering UAD 2.6 appraisals for a limited time Does not apply to: Sellers holding a GSE exception that Arc Home has reviewed and accepted may keep using UAD 2.6 for a limited time.
Applies when: All loan-impact conditions above · Exception approved
Appraisal format for other Arc Home programsRelaxedNot statedOther programs may use either UAD 2.6 or UAD 3.6 until further notice

What to do

AWACS interpretation · not source language

What to review: First, review your Arc Home Fannie Mae, Freddie Mac and GSE cash-out pipeline so those loans have UAD 3.6 appraisals from November 2, 2026; note that Arc Home accepts UAD 3.6 on all loans from October 28, 2026, other programs may use either format until further notice, and sellers with an Arc Home-accepted GSE exception may keep using UAD 2.6 for a limited time.

Appraisal

From November 2, 2026, make sure appraisals for Arc Home Fannie Mae, Freddie Mac and GSE cash-out product loans are in UAD 3.6 format.

Underwriting

From November 2, 2026, check that the appraisal on each Arc Home Fannie Mae, Freddie Mac or GSE cash-out product loan is in UAD 3.6 format, unless the seller holds a GSE exception that Arc Home has reviewed and accepted.

Secondary

From November 2, 2026, deliver Arc Home Fannie Mae, Freddie Mac and GSE cash-out product loans with UAD 3.6 appraisals, unless the seller holds a GSE exception that Arc Home has accepted and that still allows UAD 2.6.

QC implications

  • Sample Arc Home Fannie Mae, Freddie Mac and GSE cash-out product loans with appraisals from November 2, 2026 onward and confirm the report is in UAD 3.6 format.
  • For GSE product loans from that date that still have a UAD 2.6 appraisal, confirm the seller has a GSE exception that Arc Home reviewed and accepted, and that the exception's limited period still covers the loan.
  • Do not count UAD 3.6 appraisals on any Arc Home loan from October 28, 2026 as defects, and do not count either UAD 2.6 or UAD 3.6 as a defect on other programs, since both are allowed until further notice.

Source and record

Version 1 · archived

Checks

  • 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.

  • Requirements backed by the source: Passed, adjusted automatically

    Anything marked required is backed by the requirement language and dates in the source.

    • An independent check could not confirm a requirement; it is shown as review, not action

  • In scope: Passed

    The document is about residential mortgage lending.

  • Format and labels: Passed, adjusted automatically

    The record follows the AWACS format and uses its standard labels.

    • A detail the source does not support was removed or adjusted