Temporary UAD 2.6 policy exception for approved Sellers under the UAD 3.6 mandate

Applies to: Freddie Mac Sellers approved for the temporary policy exception that submit UAD 2.6 appraisal reports to UCDP during the exception period.

Addressed to

Freddie Mac Sellers

Investor

Freddie MacFrom the publisher, not quoted from the text

Programs

ConventionalFrom the publisher, not quoted from the text

Affected area

Report format

Affected documents

Appraisal report (UAD 2.6 / UAD 3.6); UAD 3.6 Policy Exception Request

Effective

UCDP appraisal submissions on or after Nov 2, 2026

Applicability confidence

Needs review: some rows could not be matched to a quote from the source

Each change applies when all the loan-impact conditions above are true.

What to review: Nothing in this bulletin is mandatory, so start by deciding whether your organization needs more time to implement UAD 3.6 and wants to ask Freddie Mac for the optional temporary exception, which would let an approved Seller keep submitting new UAD 2.6 appraisal reports to UCDP through May 19, 2027 and UAD 2.6 resubmissions through June 27, 2027, with reduced functionality and loss of appraised value rep and warranty relief later in that period.

QC implications

• For loans with UAD 2.6 appraisal reports submitted to UCDP on or after November 2, 2026, QC may check that the Seller had Freddie Mac approval for the temporary policy exception.
• QC may check that new UAD 2.6 reports under the exception were submitted by May 19, 2027 and UAD 2.6 resubmissions by June 27, 2027.
• QC may sample UAD 2.6 loans to confirm they meet the UAD 2.6 requirements in the Guide and Purchase Documents that were in effect immediately before November 2, 2026.
• QC may note that for UAD 2.6 reports submitted to UCDP from March 1 through May 19, 2027 (the Reduced Functionality Period), Loan Collateral Advisor returns a collateral risk score of 99 and the Seller is not eligible for appraised value rep and warranty relief.