Client portal indicates my comments violate fair lending

[Tim Hicks (Texas)]

All you have to do is detail the external influence such as "institutional use with heavier than normal traffic on Wednesdays and Sundays" or "between the hours of 8 AM-3:30 PM" will get your point across.

But then you have quiet for the rest of the week. There are some that think a graveyard is the perfect neighbor.

 

[Steelers74]

But then you have quiet for the rest of the week. There are some that think a graveyard is the perfect neighbor.

Quiet neighbors and usually well kept

 

[Alsie35]

When submitting my report to the client's portal, my report was tagged with many sections having questionable comments which may violate fair lending rules.
My comments are straight forward and descriptive in how I see the neighborhood and the subject.
I might just put broad canned comments and less descriptions of subject to make report acceptable.
I usually just don't do any changes and push my report as is into the portal. No issues yet, so far.

(Channeling John Cleese): "Violating the English language more like!"

 

[Fernando]

I've had reports kicked back asking why I didn't mention the school down the street and if it has any affect blah, blah, blah, so I have to waste my time pointing out that I can no longer use the word "school" without being accused of potential bias. They never really did give us any guidance on locations near schools or "houses of worship" which is another forbidden term after church was banned, without it getting flagged for bias.

I put exact wordings from MLS as per Listing Agent and lender redflags for discrimination. I didn't say it. It was the Agent. So unfair. Poor Fernando.

 

[Dublin ohio]

I put exact wordings from MLS as per Listing Agent and lender redflags for discrimination. I didn't say it. It was the Agent. So unfair. Poor Fernando.

If you put it in your report, you said "it". But on the other hand plagiarism comes to mind.

 

[Fernando]

If you put it in your report, you said "it". But on the other hand plagiarism comes to mind.

Am I the only real appraiser who put quotes on exactly what the listing agent stated in MLS.
If it says inlaw I quote it and then I give my opinion that it's not an inlaw and why. Thus if reviewer reads listing agent's comments, I know better than listing agent.
That's why I'm King Appraiser.

 

[Dublin ohio]

Am I the only real appraiser who put quotes on exactly what the listing agent stated in MLS.

Real is a matter of opinion. But it is clearer why you seem to get so many stips

 

[Fernando]

Real is a matter of opinion. But it is clearer why you seem to get so many stips

I get the stips. Respond to them at my own pace (lender reminds me to hurry it up) and my appraised value rarely changes.

 

[walleyes]

Honestly I wouldn’t just ignore the flags and hope for the best. Fair lending is one of those things where wording really matters, so keeping it neutral and data-based will save you headaches later.

 

[Fernando]

Fair housing does matter.
However when certain general words like school, average, good, and such are targeted by lender as possible bias words, appraisers need to know when they use it could indeed be bias.
For the unWoke, best they not use it.