UAD 3.6 appraisal overhaul puts mortgage borrowers on the hook for higher costs

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Scotsman Guide reports that the industrywide shift to UAD 3.6 appraisal standards is creating friction for mortgage borrowers, with NAMB President Michael Farrell warning that the uneven rollout across lenders is distorting how mortgage brokers select partners. The transition has left borrowers absorbing higher costs as lenders navigate inconsistent implementation timelines and requirements. What began as a technical update to appraisal data standards has become a practical bottleneck affecting loan pricing and timeline predictability.

For brokers and borrowers caught in this uneven transition, the situation underscores the value of working with a financing partner that can adapt underwriting strategy to the specific constraints at hand. loantrust.ai operates directly in this space, offering DSCR, fix and flip, bridge, and bank-statement programs alongside conventional and government options, with each file personally packaged by one licensed MLO rather than routed through a call center. That structure becomes particularly relevant when appraisal logistics threaten to derail closing timelines or inflate costs.

In a market where appraisal standards are in flux and lender policies vary week to week, borrowers need a partner positioned to match the right program structure to the actual conditions on the ground. loantrust.ai functions as a dedicated partner rather than a transactional call center, which matters when the difference between one lender's appraisal requirements and another's can mean thousands in added fees or a missed closing window.