--- title: Traditional Appraisal Alternatives - Navigating UAD 3.6 description: Asteroom is helping lenders navigate UAD 3.6 by (1) expanding the acceptance of inspection-based appraisal waivers, and (2) leveraging hybrid appraisals with their direct-to-appraiser panel and top AMC partners. image: https://blog.asteroom.com/hubfs/Screenshot%202026-09-14%20at%2011.22.58%20PM.png --- [![Asteroom Logo](https://www.asteroom.com/Images/layout/banner_imagesasteroom.png)](https://www.asteroom.com/en) - 3D Scan - [For Realtors](https://www.asteroom.com/en/realtors) - [For Photographers](https://www.asteroom.com/en/photographers) - [3D Tour Kit](https://www.asteroom.com/en/hardware) - [Imaging Services](https://www.asteroom.com/en/imagingservice) - [3D Staging](https://www.asteroom.com/en/staging) - [2D Still Enhancement](https://www.asteroom.com/en/2dstillsenhancement) - Industry - [Property Management](https://www.asteroom.com/en/industry/property-management) - [iBuying](https://www.asteroom.com/en/industry/ibuying) - [Foreclosure & REO](https://www.asteroom.com/en/industry/foreclosure-reo) - [Real Estate Resale](https://www.asteroom.com/en/industry/real-estate-resale) - [Mortgage Origination & Valuation](https://www.asteroom.com/en/industry/mortgage-origination-valuation) - Solutions - [GSE-ready Uniform Property Data Report](https://www.asteroom.com/en/solutions/gse-uniform-property-data-reports) - [Desktop Appraisal](https://www.asteroom.com/en/solutions/desktop-appraisal) - [Foreclosure & REO Inspections](https://www.asteroom.com/en/solutions/foreclosure-reo-inspection) - [Property Condition Reports](https://www.asteroom.com/en/solutions/property-condition-inspection) - [Turn Inspections](https://www.asteroom.com/en/solutions/turn-inspection) - [Property Management Marketing](https://www.asteroom.com/en/solutions/property-management-marketing) - Resource - [Gallery](https://www.asteroom.com/en/example) - [Blog](https://blog.asteroom.com/) - [Help Center](https://asteroomhelp.zendesk.com/hc/en-us/) [Log In](https://www.asteroom.com/editor/sign.html?lang=en) [Get Started](https://www.asteroom.com/en/get-started-portal) # Traditional Appraisal Alternatives - Navigating UAD 3.6 Posted by [Eric Tsai](https://blog.asteroom.com/author/eric-tsai) on September 25, 2026 Asteroom is helping lenders navigate UAD 3.6 by (1) expanding the acceptance of inspection-based appraisal waivers, and (2) leveraging hybrid appraisals with their direct-to-appraiser panel and top AMC partners. On November 2, 2026 use of the Uniform Appraisal Dataset (UAD) 3.6 becomes mandatory for loans delivered to Fannie Mae and Freddie Mac. This initiative is part of an FHFA initiative of appraisal modernization that expands valuation options, such as inspection-based appraisal waivers and hybrid appraisals. The GSE have released two solutions that reduce turn times, fees and risk (R&W Relief), offering a competitive advantage to lenders: **1. Inspection-Based Appraisal Waivers - for 8-15% of all GSE loans** These GSE solutions - Fannie Mae Value Acceptance + Property Data, and Freddie Mac ACE+ PDR - are the next-best alternative to an appraisal waiver - require a [Uniform Property Data (UPD)](https://www.asteroom.com/en/solutions/gse-uniform-property-data-reports) report, and no appraisal. Benefits: - Faster Closing - a UPD report is completed in 3–4 days - Lower Fees - Asteroom charges $215, nationwide, with no fee escalations - Reduced Risk - guaranteed GSE R&W Relief on value. Today, only ~25% of Inspection-Based Appraisal Waivers offers are accepted by lenders, with many opting to get a traditional appraisal costing the borrower more, taking longer and likely losing R&W Relief. By contrast, Appraisal Waiver offers - with no appraisal or inspection required - are accepted +90% of the time. **2. Hybrid Appraisals - for 99% of all GSE loans requiring an appraisal** Hybrid Appraisals have been available in the GSE Selling Guides since 2025, and have emerged as an essential tool for lenders preparing for UAD 3.6. Highlights include: - Full Appraisal - hybrid appraisals eligible for +97% of GSE loans - Lower Fees - nationwide fees are $450-$525 (excluding management & transactions fees) - Turn Times - nationally 4-5 business days. Asteroom is the largest independent provider of UPD reports - supporting +450 lenders and +100 AMCs - and is an approved integrated technology & service provider for Fannie Mae and Freddie Mac. Topics: [hybrid appraisal](https://blog.asteroom.com/tag/hybrid-appraisal) Stay updated with Asteroom insights [Contact Us](https://www.asteroom.com/en/contact-us) FOLLOW US [Facebook](https://www.facebook.com/Asteroom-257364841627448/) [Instagram](https://www.instagram.com/asteroom360/) [YouTube](https://www.youtube.com/channel/UCTWXK4H-BVGa_Wa3QfOlVHw) 3D Scan [For Realtors](https://www.asteroom.com/en/realtors) [For Photographers](https://www.asteroom.com/en/photographers) [3D Tour Kit](https://www.asteroom.com/en/hardware) [Imaging Services](https://www.asteroom.com/en/imagingservice) [3D Staging](https://www.asteroom.com/en/staging) [2D Stills Enhancement](https://www.asteroom.com/en/2dstillsenhancement) Industry [Property Management](https://www.asteroom.com/en/industry/property-management) [iBuying](https://www.asteroom.com/en/industry/ibuying) [Foreclosure & REO](https://www.asteroom.com/en/industry/foreclosure-reo) [Real Estate Resale](https://www.asteroom.com/en/industry/real-estate-resale) [Mortgage Origination & Valuation](https://www.asteroom.com/en/industry/mortgage-origination-valuation) Solutions [GSE Uniform Property Data Reports](https://www.asteroom.com/en/solutions/gse-uniform-property-data-reports) [Desktop Appraisal](https://www.asteroom.com/en/solutions/desktop-appraisal) [Foreclosure & REO Inspections](https://www.asteroom.com/en/solutions/foreclosure-reo-inspection) [Property Condition Reports](https://www.asteroom.com/en/solutions/property-condition-inspection) [Turn Inspections](https://www.asteroom.com/en/solutions/turn-inspection) [Property Management Marketing](https://www.asteroom.com/en/solutions/property-management-marketing) Resources [Contact Us](https://www.asteroom.com/en/contact-us) [Help Center](https://asteroomhelp.zendesk.com/hc/en-us/) [Blog](https://www.asteroom.com/en/blog) [About Us](https://www.asteroom.com/en/about) [Gallery](https://www.asteroom.com/en/example) [Privacy and terms](https://www.asteroom.com/download/EULA/Asteroom_Privacy%26Terms_ENG.html) Copyright © 2026 Asteroom, Inc. All rights reserved. +1 (831) 298-6517 Monday-Friday: 9 AM – 4 PM PST ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Eric Tsai", "url" : "https://blog.asteroom.com/author/eric-tsai" }, "dateModified" : "2026-09-25T22:56:42.872Z", "datePublished" : "2026-09-25T22:56:42.000Z", "headline" : "Traditional Appraisal Alternatives - Navigating UAD 3.6", "image" : [ "https://blog.asteroom.com/hubfs/Screenshot%202026-09-14%20at%2011.22.58%20PM.png" ], "mainEntityOfPage" : { "@id" : "https://blog.asteroom.com/traditional-appraisal-alternatives-navigating-uad-3.6", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.asteroom.com/hubfs/%E9%BB%91_%E9%80%8F%E6%98%8E%E8%83%8C.png" } } } ```