Todays Bombshell Executive Order Ends Traditional Appraisals.

[djd09]

Trump’s Executive Orders on Housing Would Ease Affordability Crisis​

President Trump on March 13 issued two executive orders on housing to remove regulatory barriers and provide better access to mortgage credit that will help ease the nation’s housing affordability crisis.

“The president’s executive order to remove regulatory barriers will enable builders to build more housing by reducing red tape, streamlining permitting requirements and easing costly environmental regulations,” said NAHB Chairman Bill Owens. “The executive order for access to mortgage credit also takes important steps to provide better financing options for home buyers and home builders and make it easier for families to achieve the American dream of homeownership.”

Trump’s Executive Orders on Housing Would Ease Affordability Crisis

President Trump on March 13 issued two executive orders on housing to remove regulatory barriers and provide better access to mortgage credit that will help ease the nation’s housing affordability crisis.

www.nahb.org

 

[Carnivore]

One thing about 3.6 is you should be paid a lot more for your reports. I do know as you do the AMC will try and beat you up on your fee and

The other thing the AMC checker dudes will go crazy trying to stip you

 

[Alsie35]

We can't see the whole report at once anymore, yet we're expected to completely trust the software program that is delivering it. I'm going to take a step back and let the "volunteers" work out the bugs for the next couple of years. I must wonder how many 3.6 reports the notables and their followers will be delivering.

It's MUCH WORSE than that Bucks. You can't DO the appraisal without the GRID spread out in front of you in all of its glory, giving you the abilIty to click and test/make adjustments using match-pairing of all of the characteristics between the comparables.

The "UAD 3.6 Abomination" is the equivalent of someone taking away all the index books and then telling you: "Welcome to the NYC Public Library - I'm sure you'll find your way around!"

 

[Trihard]

They pretend like AMC's dont gouge the appraiser and the borrower.

 

[Non Sequitur]

They pretend like AMC's dont gouge the appraiser and the borrower.

Yep. AMCs are gouging borrowers and the GSEs don't give a hoot.

 

[Carnivore]

Here’s a clean, citation‑backed, nationwide list of hard money lenders I don't think they want 3,6 style reports, and I kinda think they don't want to deal with an AMC Clown Act

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Below is a consolidated list drawn from Forbes, Fit Small Business, The Close, and national lender directories.
Sources: Forbes Fit Small Business The Close

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• One of the largest national fix‑and‑flip lenders
• Known for competitive rates and fast approvals
• Frequently ranked “Best Overall” for investors

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• National coverage
• Popular for low‑credit borrowers
• Offers fix‑and‑flip, bridge, and rental loans

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• National private lender
• Offers fix‑and‑flip, rental, and bridge loans
• Emphasizes fast approvals and flexible terms
  gauntletfunding.com

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• Operates in 40+ states
• Fix‑and‑flip, rental portfolio, and bridge loans
• Well‑established in the investor community

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• Nationwide tech‑enabled lender
• Fix‑and‑flip, DSCR rental loans, and ground‑up construction
• Fast underwriting and digital process

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• National lender
• Fix‑and‑flip, rental, multifamily, and construction loans
• Known for institutional‑grade underwriting

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• One of the oldest and largest fix‑and‑flip lenders
• National footprint
• Heavy focus on experienced investors

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• Nationwide crowdfunding‑style hard money lender
• Fix‑and‑flip and bridge loans
• Appeals to investors wanting alternative capital sources

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• Operates in most U.S. states
• Fix‑and‑flip, new construction, rental loans
• Known for reliability and repeat‑borrower programs

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• National private lender
• Offers a wide range of asset‑based loan products
• Known for flexible underwriting

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These are the sources that publish annual rankings:

• Forbes – Best Hard Money Lenders Forbes
• Fit Small Business – 6 Best Hard Money Lenders Fit Small Business
• The Close – 5 Best Hard Money Lenders of 2026 The Close

These can be linked or referenced for credibility when posting.

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[Lycabull]

Great post Carnivore. That is what I did. Sought out every hard money lender I could get my foot in the door with. All the lenders I worked for who were loaning their own money were all top notch clients too. Never an ounce of pressure or any nonsense. Like a poster on here used to say - was it Sonata? They just wanted to know what it was worth. The only downside is they loan on some real oddballs. L shaped, two section manufactured house with a half basement, leaking of course, with some unfinished floor covering on the main floor and other missing basic amenities anyone? Anyone? Come on, comps galore, not. I ain't complaining though, it made me a better appraiser.

Did my share of secondary market too. VA was my best client until I went on over to the dark side and actually worked for them verses contracting. For those of you looking for an exit ramp to the Fannie/Freddie/Insert agency here, rat race, VA just posted 25+ listings for SAH agents all over the US. Being licensed was a prerequisite to apply way back when I did. Very hard to get on with the VA if you are not a Veteran and rightly so. Having the license is what punched my ticket because I am not a Vet. They split the LGY duties (field reviews, desk reviews, ROVs, etc.) off from the SAH agent duties a few years back. Now agents only work on home adaptation projects and don't deal with lenders and appraisers/appraisals on a daily basis, but we used to. Not a guarantee to get an interview or a requirement anymore, but having a license does not hurt. Each RLC is different, but in general they are looking for people who can read blue prints, have construction knowledge, able to help plan/organize construction projects and advocate for our Veterans. Great pay GS-12, even better benefits and the most rewarding, if not heartbreaking job I ever had the privilege of doing. Lost a lot of very good friends. I had a great run and would not hesitate to do it again if I were not a GOA or grouchy old appraiser now. An SAH agent is also sometimes called or considered a construction analyst, see USAJOBS.

 

[Carnivore]

Your welcome. I had some hard money clients. They paid well BUT their expectations are high!!

 

[Non Sequitur]

Truth is we’re being replaced and it started before this executive order. Here’s the certification page of a 39 page PDR report. GSE‘s are happy with a notary public inspecting a property but there isn’t a nationwide “Get the facts” campaign promoting appraiser trainees or appraisers for that work.

 

[chad hampton]

It’s still unbelievable how we went from having the inspection be so important that a licensed appraiser must be the one to perform it to overnight deciding that a notary public might as well go out and do it.

I bet a lot of states still have laws on the books to talk about how many inspections the certified appraiser must accompany the trainee on before they’re competent to do one on their own. Maybe the certified appraiser should just hire a notary public and they get the bypass that too?