UAD 3.6 appraisal dataset: GSE mandate dates, temporary UAD 2.6 exceptions and mortgage insurer acceptance

Applies to: Fannie Mae loans using rental income for qualifying with application dates on or after Dec. 1, 2026, and UAD 3.6 appraisal reports; NACLI loans benefit from expanded eligibility.

What to review: First review the mandatory changes: the restructured rental income policy for application dates on or after Dec. 1, 2026 (early implementation allowed) and the immediate highest and best use requirements for UAD 3.6 appraisals; then note that lenders may use the expanded NACLI eligibility to sell NACLI loans without special approval, if they choose. AWACS interpretation

Applies to: Fannie Mae loans involving MH Advantage or CHOICEHome manufactured homes with application dates on or after June 4, 2026, and loans using gift funds.

What to review: No change is marked mandatory, so first review the revised acceptable gift donor definition in B3-4.3-04, which is effective immediately. Then review the MH Advantage and CHOICEHome alignment in B4-1.4-01, which lenders participating in the broad production of UAD 3.6 or legacy 2.6 may apply to manufactured home loans with application dates on or after June 4, 2026. AWACS interpretation

Applies to: National MI TrueGuide loans, including ADU properties, 3-4 unit AUS conforming loans, and loans with appraisals on UAD 3.6 forms.

What to review: No change in this bulletin is mandatory, so first review what it allows: National MI TrueGuide loans with 3-4 units now follow GSE requirements instead of a separate DTI overlay, ADU requirements are presented in a simplified form aligned with GSE eligibility, and UAD 3.6 appraisal forms are accepted with appraisal review deferring to the GSEs. AWACS interpretation