Blue1..........
Judy is correct; has nothing to do with your quality of work. I can understand your angst, however in the inference that it was YOUR work which was causing the borrower extra $$$ when all along it is the lender.
Something tells me that you are still not used to getting ALL the blame. Isn't that taught in "Appraiser 101"??
All kidding aside, there are lending rules and policies that we, as appraisers, are not aware of and I'm not so sure we want to be. After all, we are supposed to be objective in our opinion.
I just did a job for a bank---regular client----report for a refinance. The homeowner purchased the home for $233,000 exactly 2 years ago. Claimed did $70,000 of improvements. Of course, not all improvements translate into value. I appraised home for $300,000. Owner wants $235,000 refi, so I figure at 80%LTV I'm "safe". Get a call from lender that owner does not qualify because they are not just refi-ing the Existing Mortgage, but taking Cash Out also, so there are different "rules", causing the owner not to qualify. Of course, appraisal is blamed when in Reality, it is the bank rules that are making the difference.
I am certain that whenever lenders-- particularly mortgage companies who, unlike banks-- live and die by the mortgages they issue, can jack up rates or add points or raise fees or anything else to legally make money , they will.
I know that its' tough not to take it personally, but if it helps hearing it, its not YOU, and this is nothing New.
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The Harder I Work, The Luckier I Get