I just got my quarterly magazine from the State (CA). It appears appraisers are just not getting the message. There are dozens and dozens of disciplinary actions being taken every time I get this magazine. Most of them are for misrepresenting the condition of the subject and the comparables or selecting comparables which are not comparable. Which just means going to other areas to get higher values to make the deal work. Meaning an over valued property. After how many years now of being told that we are going to be under the microscope, so many many still think that nothing will happen to them and they will get away with it. Its not worth it people. Tell your lenders that pressure you to get lost even if it means losing them as clients. You can lose your livelyhood! It seems that its not a small minority of appraisers doing it but a very very large percentage. No wonder Fannie and Freddie want ot get rid of us!