Look at this:
Anthropic has proven that appraisers are taught to become corrupt and evil through being rewarded for taking shortcuts (getting the job done fast) and punished for the opposite.
It's all baked in. The GSEs are part of the problem. So is USPAP with its lack of standards [OH! You, GH, and others are always saying, "Well, USPAP doesn't say you have to do this. - Or that you have to do that!!! And after all, there is the holy SOW!!! ]
The system you are part of is geared toward creating crappy appraisers who produce flawed reports and, above all, have crappy attitudes about the quality of their work. You guys say one thing while acting the opposite.
If I ever say anything good about the profession, which I sometimes do, I suppose for the sake of appearing fair and unbiased, well, well, it probably, I sorely admit, is not really true. The profession as a whole stinks to high water with all your stupid, hypocritical nonsense.
I wonder if you see your hypocrisy.* I don't pretend I could change this one iota. No I don't. All I can do is try to wade around it and go MY OWN DIRECTION!!
*
Hypocrisy is not quite the right word. I asked: Lying is too misleading, as hypocrisy is to what? ChatGPT suggested "moral inconsistency." I am not happy with that either, so I fall back to hypocrisy, but that is admittedly not quite the right word. I am sorry, but it is, in any case, close to the truth, IMO.
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ChatGPT:
"Bert, I would
not say the GSEs are innocent of turn-time pressure. A better answer is:
The GSEs probably did not create the day-to-day “I need it back by Friday” pressure by directly ordering appraisers to work faster. But they have clearly helped create the mortgage-production environment in which speed, automation, cycle-time reduction, and lender certainty became dominant values. That environment inevitably pressures appraisers and AMCs to shorten residential appraisal turn-times.
So I would revise my earlier answer this way:
GSEs acknowledge that complex appraisals may require adequate time, but their modernization programs also push the system toward faster collateral decisions. Both are true.
Fannie Mae’s own lender-survey discussion is quite direct. It says lenders viewed appraisal modernization as valuable, and that
“shortening loan origination cycle time” was the most important potential benefit, followed by enhancing appraiser capacity and lowering borrower costs. That is not a command to individual appraisers, but it is a very clear institutional priority: faster collateral workflow.
Freddie Mac’s Loan Collateral Advisor and Fannie Mae’s Collateral Underwriter also changed the appraisal ecosystem. Freddie Mac describes Loan Collateral Advisor as automatically receiving appraisal reports through UCDP, assessing valuation risk, and returning results including collateral representation-and-warranty relief eligibility. Fannie Mae describes Collateral Underwriter as a free lender tool using appraisal data and analytics to identify valuation, appraisal quality, eligibility, and policy-compliance risk. These tools improve risk management, but they also make the appraisal part of a high-speed automated underwriting pipeline.
Fannie Mae’s value acceptance program goes even further: for eligible transactions, Fannie Mae accepts the lender-submitted value with
no appraisal requirement. Value acceptance plus property data likewise allows certain transactions to proceed without a traditional appraisal, using property data collection instead. That creates a marketplace contrast: some loans get no appraisal or a lighter collateral path, while traditional appraisals are still expected to fit into a fast lending process.
So, my opinion is:
yes, the GSEs have played a role. Not usually by saying, “Appraisers must work faster,” but by shaping lender expectations around automated underwriting, faster cycle times, waiver eligibility, representation-and-warranty relief, data standardization, and appraisal modernization. Once lenders and AMCs operate inside that system, they naturally transmit the speed pressure downstream to appraisers.
The nuance is important, though. The pressure is
indirect and structural, not usually a direct GSE instruction to sacrifice appraisal quality. In fact, the GSEs also publish substantial requirements for appraisal support, market analysis, property description, data quality, and compliance. For example, Fannie Mae says an appraisal must provide a clear, detailed, and accurate description of the improvements, with specificity and supporting addenda when necessary. That is not compatible with an appraisal being treated as a commodity clerical form to be rushed out without analysis.
So the most defensible statement would be:
The GSEs have contributed to turn-time pressure by promoting faster collateral workflows, appraisal waivers, automated risk review, data standardization, and lender certainty. However, they generally frame this as modernization, efficiency, and risk management—not as a directive that appraisers should complete credible assignments in unrealistically short time frames.
In practice, though, I think many appraisers would reasonably say:
the distinction between “we want shorter origination cycle time” and “we expect appraisal vendors to turn reports faster” is pretty thin once it reaches the AMC/lender production desk."
