Joni Pilgrim
CEO, Nationwide Appraisal Network

The appraisal landscape continues to evolve at a rapid pace, from technology modernization to expanded Non-QM lending strategies. At NAN, our focus remains clear: helping our clients navigate change with confidence, clarity, and consistency. Whether it’s preparing for UAD 3.6 Broad Production or supporting complex lending scenarios, our teams are aligned, trained, and ready to support your growth this year and beyond.

Trending Appraisal Topics & How Can NAN Help

UAD 3.6 in Motion: Broad Production and What Comes Next

UAD 3.6 Broad Production officially launched on January 26, 2026, marking the industry’s full transition from limited production to unrestricted use. Lenders can now order, complete, submit, and review UAD 3.6 appraisal reports across all eligible channels—well ahead of the mandatory implementation scheduled for November 2026.

In preparation, NAN has taken a comprehensive approach across people, process, and technology to ensure a seamless transition:

  • Internal training is complete across operations, review, and compliance teams
  • Appraiser readiness outreach is underway, including software verification and preparedness surveys
  • Technology integrations and testing are live and available today
  • Expanded QC and review processes are being finalized to support structured data, analytics, and UAD 3.6 reporting standards

What We Need From You
To ensure a smooth rollout, we encourage clients to:

  • Connect with NAN to schedule integration setup and testing
  • Share anticipated timelines for ordering UAD 3.6 appraisals so we can align staffing, panel readiness, and review workflows

Non-QM & UAD 3.6
UAD 3.6 adoption is not mandated for Non-QM lending. NAN will continue supporting Non-QM clients based on individual lending models, operational preferences, and risk tolerance. Where it adds value, we’re fully prepared to support UAD 3.6 workflows in the Non-QM space.

UAD 3.6 Resource Hub

We’ve centralized everything you need, from FAQs and timelines to recorded webinars and readiness guidance, on our dedicated UAD 3.6 Resource Page, designed to support both lenders and appraisers throughout the transition.

NAN Benefit Spotlight: Smarter Appraisal Selection

At NAN, appraisal assignment is driven by performance, not just availability.

  • Performance-based selection: Appraisers are selected using a scoring model based on real-world results, not first-available logic
  • Responsiveness matters: Faster response times for offers, scheduling, and revisions are prioritized to keep files moving
  • Quality built in: Historical accuracy and reliability are continuously measured and factored into assignment decisions
  • Proactive delay reduction: Intelligent selection helps prevent stalled orders and last-minute escalations
  • Continuously improving outcomes: Each completed assignment strengthens future selection decisions

The result is a smarter, more predictable appraisal process, powered by data and focused on delivering consistent outcomes for lenders.

Product Spotlight: Non-QM Loans, DSCR & Investment Properties

Non-QM lending continues to create meaningful opportunities for lenders serving self-employed borrowers, real estate investors, and complex income profiles. These loans require appraisers with specialized expertise, and NAN plays a critical role in aligning the right professionals to each assignment.

We carefully select appraisers with proven experience in Non-QM, DSCR, bridge (fix-and-flip), multi-unit, and investment properties, including deep knowledge of the Single-Family Comparable Rent Schedule (Form 1007) and localized rental data sources. Our data-driven panel selection ensures consistency even in less uniform valuation environments.

To further reduce lender risk, NAN emphasizes advanced quality control and appraisal review. Through tools like VonniQC and a dedicated staff appraiser review team, we support complex scenarios and Reconsideration of Value (ROV) requests with peer-to-peer appraiser communication—reducing friction, limiting revisions, and accelerating report delivery.

For DSCR loans, NAN also supports Short-Term Rental (STR) narrative reporting, providing lenders with deeper insight into rental performance assumptions, market dynamics, and income sustainability. This added layer of analysis helps originators confidently evaluate collateral in one of the fastest-growing investor segments.

As an independent AMC, NAN delivers a fully compliant appraisal solution, empowering lenders to pursue flexible loan products with confidence in appraisal integrity and secondary market acceptance.

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Industry Questions Answered by Experts Recent Topics: AskNAN

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