Fannie Mae Selling Guide Update for Appraisers

Fannie Mae has released several Selling Guide policy changes that impact residential appraisers.

First, it expands accessory dwelling unit (ADU) criteria for the Selling Guide UAD 3.6 Policy Supplement:
• Multi-unit properties: Allows two- to three-unit properties to include ADUs, provided the number of dwelling units in the primary structure plus the ADUs does not exceed four.
• Multiple ADUs on single-unit properties: Extends eligibility to one-unit properties with up to three ADUs.
• One ADU for standard manufactured housing (MH): Extends eligibility to single-unit MH as the primary dwelling with a single ADU classified as real property.
• Multiple ADUs for MH Advantage®: Extends eligibility to MH Advantage as the primary dwelling, to include ADUs provided the number of dwelling units plus the ADUs (which must all be classified as real property) does not exceed four.

Second, it expands MH eligibility to accommodate diverse MH configurations:
• Defines Single- and Multi-section
• Extends eligibility to two- to four-unit properties.
• Extends eligibility to multi-story MH.

These changes are effective Mar. 31, 2026, but are only available for loans with UAD 3.6 appraisals.

You can read the full update here: Fannie Mae Selling Guide Update 12/10/25