Licensed FHA problems

[BRCJR]

I am a licensed that wishes life were different (FHA situation), but it is what it is.

I am a newer licensed and did not "have the time" to complete the educational and experience requirements before the deadline. I did not want to "rush' anymore than I had already rushed (to obtain the certified status). I wanted to "slow' it down a notch and gain more insight and become more qualified with the experience (take a breather so to speak) at my licensed level.

Yes, we all saw the writing on the wall to become certified, but I do not believe anyone knew for fact the FHA situation was on the horizon.

I do not depend on fee appraising for my livelyhood, so it has little impact on me as an individual, but could one day if my lender employee status were to ever change.

I hate the situation for anyone that may be losing their livelyhood due to the language of the HR3221.

I would be satisfied with a comment from the law makers as to their intent. If it is/was their intent to eliminate licensed appraisers so be it, but if that was not their intent I would like to see the bill amended, if possible.

No one, and I do believe no one, should be removed from the roster for any reason other than their performance.

I do not want to debate the issue of certified vs. licensed, as that has been beat to death.

I much prefer to debate competent vs. incompetent to do FHA related appraisals (and in all honesty no one can possibly say it is license level, can you?).

Some definitive comments/mandates should come from HUD, as it must be very stressful for an appraiser to worry about the very near future of their income stream and not knowing the outcome. FHA related mortgage applications are ever growing and that could make it even more difficult to do away with the licensed FHA approved appraiser. If the FHA removes the licensed and FHA work grows by leaps and bounds, it could create a lack of appraisers for the remainder of the conventional and special/specfic non-lender use appraisal assignments. Therefore, placing some demand, although not the FHA level of demand, on the licensed appraiser as the certified are busy (future period) and could not give the FHA stream up or meet the client desired turn time.

I do not proof my posts as well as I should, so please do not take anything away from the content/intent of my post due to my possible bad grammer, spelling, or run on sentences, as I am typing (keyboarding) as my thought process is quicker than my hunt and peck process.

Thanks for reading my point of view and have a blessed day.

 

[Roy Courtney]

WOW, I am impressed!

 

[hglenbetts]

BRCJR,

Well said.

Thank you!!

 

[Mr Rex]

Just a subtle hint. Some states have eliminated the licensed category. Don't be suprised, offended, or claim discrimination when the AQB does so too. They have been laying the groundwork for a while. Upgrade now, you had a 2-3 year warning before 1/1/2008.

 

[Jaysie]

Licensed Deescranimation

HMMMM. 2008 almost 2009 - 1991 = 13.7 years??? And your are right about being judged. Thats what has happened, except unfairly judged without a fair trial. I am interested in compiling all of the reprimanded appraisers across the board. I wonder how many licensed vs certified have been in trouble. If i were a betting man i would wager that a great many have been certified. In fact the only appraisers I have known who have gotten in trouble are certified. And as far as the SUPER APPRAISER tag goes, i have been called that before. Imagine an appraiser who has done so much work and for so long and has never never been in trouble. Maybe not 10s of thousands but more than 10k yes. It just seems like more due to the comp searches. AJ quit being so anal about a persons syntax, i see you all the time slamming people for that, grow up dude, theres alot more to worry about. We all need to stand together as the next time they hit someone it will be certified. There is power in numbers. NO DOUBT we need change. NO DOUBT some appraisers should go. But not the good ones. I used to love this job, but for the most part grew to hate it due to the lax mortgage laws. I remember type writer and microfiche. I chose to be licensed because i didnt care for the millionaire bull**** and the liability for such. If i were told i was going to be kicked from FHA I would have certified because the range of value is where i specialize. And that example of the Dr thing was a bad one, i guess thats why you didnt comment.

 

[wickedness1]

I liken this LICENSED vs CERTIFIED to (in the medical profession) an DO vs an MD. I have always felt that an DO who graduated from Palmer in Davenport, Iowa (vs an MD who graduated from the University of Iowa) took the "short course" either because he couldn't get admitted to med school or wanted the short cut. I have never allowed a DO to treat me nor allowed one to assist in the operating room (on me).

Very interesting point of view. I never new the difference between DO's & MD's until I just read your post.

A DO delivered my first born and I credit that man with my son's life. He sat in the birthing room with me for several hours, knowing that things were not progressing properly. He was so in tune to delivering my child & he saved his life in the end when my son's heartrate bottomed out. I have thought a million times over that my son would have died if it not been for that DO. That same DO caught that my son was tongue tied which is VERY hard to catch in a newborn.

So my point is that it is the individual appraiser, not the license level. Just like it is the individual doctor not their license level.

 

[Michigan CG]

,.......... Don't be suprised, offended, or claim discrimination when the AQB does so too. ..........

I am waiting for the AQB to get rid of those pesky Certified Residential guys.....:new_smile-l:

 

[AJL118]

Very interesting point of view. I never new the difference between DO's & MD's until I just read your post.

A DO delivered my first born and I credit that man with my son's life. He sat in the birthing room with me for several hours, knowing that things were not progressing properly. He was so in tune to delivering my child & he saved his life in the end when my son's heartrate bottomed out. I have thought a million times over that my son would have died if it not been for that DO. That same DO caught that my son was tongue tied which is VERY hard to catch in a newborn.

So my point is that it is the individual appraiser, not the license level. Just like it is the individual doctor not their license level.

You have a good experience with a DO. Thank God. What can I say other than I will not allow someone who shortcutted the schooling and licenture requirements to treat me for anything other than a runny nose or a cut finger. My choice. Experiences and opinions vary.

 

[Smokey Bear]

Thats what has happened, except unfairly judged without a fair trial.

The AQB sets the MINIMUM requirements. You decided that was enough. FHA decided it wasn't. End of story.

BTW, you are showing a huge lack of understanding of the legal system, what is illegal discrimination vs. just discrimination (a pain in the butt, but NOT illegal and you won't get a trial on it). Have you even researched this, as a good appraiser would do in any situation where something they didn't understand presented itself?

People's qualifications are judged all the time. Like I said, you CHOSE the minimum qualifications and your client decided that's not enough. No different from a client deciding they only want appraisers who have been licensed for 5 years, or who have a college degree or whatever. They have the right to up the requirements for who they give work to. You have the right to meet those requirements. There's no illegal discrimination here.

 

[lovemymonkeys]

We licensed appraisers are getting a raw deal but nobody ever said life was fair. In Florida there are just too few of us left to have any voice. It would be helpful if the DBPR would allow online courses for upgrade...Those of us who live in rural areas must search and travel to find the courses to upgrade. I have been licensed for 9 years and have a 4 year college degree. Never had a problem with any complaints, FHA or otherwise. I have reviewed many reports done by certifieds and was absolutely shocked by some of the sloppiness and canned language. Anyway, looks like I will be having some garage sales, gathering my money to finance an upgrade (which will cost me I figure around $3000) or find another job. The writing is on the wall and all our whining is getting us nowhere. Life is too short....get on with it!