The Latest Shift in How Appraisals Are Handled Could Save Homebuyers Hundreds in Closing Costs—Eventually
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Realtor.com News reports that Fannie Mae and Freddie Mac have updated their appraisal standards with the mandatory UAD 3.6 format, a move aimed at modernizing how home valuations are produced for conventional loans. The change is expected to streamline the process and, over time, reduce some of the closing costs that buyers currently absorb. For now, the savings remain prospective rather than immediate, as lenders and appraisal management companies adapt their systems to the new framework.
For buyers and investors entering this transitional environment, the shift underscores how financing mechanics continue to evolve beneath the surface of every transaction. loantrust.ai operates directly in this space, originating conventional, FHA, VA, and refinance products for homeowners alongside DSCR, fix-and-flip, bridge, new-construction, multifamily, and bank-statement programs for investors. Each file is packaged by one licensed MLO rather than routed through a call center, a structure that accommodates the uneven rollout of operational changes like UAD 3.6 with direct accountability rather than institutional delay.
The appraisal process has long been a friction point where standardized reform meets individual deal timing, and uneven adoption can leave borrowers navigating different requirements from lender to lender. A brokerage that originates across both consumer and investor channels, and that qualifies borrowers through property cash flow or alternative documentation where appropriate, is positioned to route loans through the appraisal pathway that matches their current readiness. That matters when a closing date is fixed and the margin between loan approval and lost deposit is measured in days, not weeks.
Source: Realtor.com News, “The Latest Shift in How Appraisals Are Handled Could Save Homebuyers Hundreds in Closing Costs—Eventually”. Read the original →
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