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This is an excellent letter and it repeats what was said before "Lender Select" was finally implemented over the objections of HUD staff.
Nothing will change because this program is what the real estate and lending organizations paid for in their bribes to our elected officials.
In California, Real Estate Agents and Loan Officers and will tell appraisers up front that you either hit the sales price and ignore problems or you will not get any work.
Until lenders and agents walk up the aisle together to speak to the judge and jury, nothing will change unless it gets worse.
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