Letter From FNMA 'Baptist' can't be in report...

[TerryRohrer]

My whining about ANSI is legitimate. Go and be happy as Fannie tells you what to do.

I am always happy. It is enough for me to wake up every morning knowing I don't have to foot the bill for the mess in Kommifornia.

 

[Fernando]

The looooonggggg list of words you demand are unnecessary to say just keeps growing, but you have no problem continuing to add them to the list. Sushi? Really? Who gives AF? You should be the the new FNMA word Czar.

Only brianwashed people in the US are so bent that they automatically recognize innocuous words that offend, because they see er' thing through the racial lense, sorta like a racist does.

I haven't really looked at the list. I use common sense.
In low income neighborhoods, I don't use the word public housing project even though it's very descriptive. Is "public housing" on the list?

 

[George Hatch]

The looooonggggg list of words you demand are unnecessary to say just keeps growing, but you have no problem continuing to add them to the list. Sushi? Really? Who gives AF? You should be the the new FNMA word Czar.

Only brianwashed people in the US are so bent that they automatically recognize innocuous words that offend, because they see er' thing through the racial lense, sorta like a racist does.

I've already demonstrated to you how there is no rock/hard place for you to get stuck in. You can avoid the problem - however big or small that problem really is - simply by rephrasing.

If it's no big deal to anyone then why is it a big deal for you? How do you handle the grafitti issue? By referring to it for its condition exclusive of how you believe it may have occurred.

"Damage to paint on the south side of the garage, estimated cost to cure is less than $500."​

You don't need to use the word that some wound collector might want to latch onto in forming the complaint about you being biased.

Don't feed the trolls. How hard can it be for appraisers to understand that the most expedient way to resolve the problem is to avoid it in the first place? To crush the hopes and dreams of the professional litigants before they can even get going. To deny them the opportunity to grasp for the free go-away payment. To act aggressively and proactively on the issue rather than passively sit back and play the odds that they won't have to react to the complaint after the fact.

The game is chess, not checkers. And appraisers are better served by at least trying to stay one step ahead of their critics. I'm not being pro-bleeder here. I'm being pro-appraiser.

 

[shrubberyvaluation]

I've already demonstrated to you how there is no rock/hard place for you to get stuck in. You can avoid the problem - however big or small that problem really is - simply by rephrasing.

If it's no big deal to anyone then why is it a big deal for you? How do you handle the grafitti issue? By referring to it for its condition exclusive of how you believe it may have occurred.

"Damage to paint on the south side of the garage, estimated cost to cure is less than $500."​

You don't need to use the word that some wound collector might want to latch onto in forming the complaint about you being biased.

Don't feed the trolls. How hard can it be for appraisers to understand that the most expedient way to resolve the problem is to avoid it in the first place? To crush the hopes and dreams of the professional litigants before they can even get going. To deny them the opportunity to grasp for the free go-away payment. To act aggressively and proactively on the issue rather than passively sit back and play the odds that they won't have to react to the complaint after the fact.

The game is chess, not checkers. And appraisers are better served by at least trying to stay one step ahead of their critics. I'm not being pro-bleeder here. I'm being pro-appraiser.

Well when the problem is conveying information to the reader of importance to the appraisal why just avoid it? So just don't convey information. The subject is located near other buildings iutilized for different purposes. There the reader is happy and no one can possibly say you are being racist....except they still can.

 

[NC Appraising]

So you do agree with OP it sounds like?

I think schools/colleges/universities and linkage to them is very important also.

My kids go to a private Christian school.

The name of the school is charlotte christian

I recently appraised a home in that area. One of the main drivers of value is there are multiple private schools in the neighborhood.

Did I mention charlotte christian, the actualname of the school? No. I just said that there were several private schools within a 1 mile drive and are the main drivers of value and demand for this neighborhood.

So, by what I hear, I could be wrong, but they do not want you to mention schools either. That's why I said I'm 50/50 on it.

You should be able to discuss what affects values....but no need to include the actual names of places.

First Baptist church: church or place of worship

Pineville school : school

Duke University: university

Burger King: fast food resturant

Firestone tires : automotive repair shop

 

[George Hatch]

In what way is the verbiage in the name "important" to a reader making an unbiased loan decision? If the appraiser has the data to show a difference for the location does it even matter what the reason for that is among those buyers and sellers? I mean beyond the fact that "the campus" itself is the attribute of effect.

The only thing the appraiser would be avoiding tipping the reader off about is the name itself and whatever connotations that might have to that reader.

Remember, these lenders are supposed to act without bias for/against people. That means there are more restrictions on their conduct and decision making than applies to any of the buyers/sellers in the market. And it the legitimate and lawful needs of those lenders we are attempting to meet.

 

[shrubberyvaluation]

My kids go to a private Christian school.

The name of the school is charlotte christian

I recently appraised a home in that area. One of the main drivers of value is there are multiple private schools in the neighborhood.

Did I mention charlotte christian, the actualname of the school? No. I just said that there were several private schools within a 1 mile drive and are the main drivers of value and demand for this neighborhood.

So, by what I hear, I could be wrong, but they do not want you to mention schools either. That's why I said I'm 50/50 on it.

Saying there are private schools in the area could be code words for being bias.

 

[Mejappz]

Well when the problem is conveying information to the reader of importance to the appraisal why just avoid it? So just don't convey information. The subject is located near other buildings iutilized for different purposes. There the reader is happy and no one can possibly say you are being racist....except they still can.

Ah, see. But then, you risk being hauled in front of the state board for submitting a misleading report, which is a violation of USPAP. Catch-22

 

[Mejappz]

I am always happy. It is enough for me to wake up every morning knowing I don't have to foot the bill for the mess in Kommifornia.

Notice that those defending this system tend to come from a particular state—Kommifornia. They either seem to be misguided idealists or are suffering from some form of Stockholm syndrome.

 

[nachocheesefries]

My kids go to a private Christian school.

The name of the school is charlotte christian

I recently appraised a home in that area. One of the main drivers of value is there are multiple private schools in the neighborhood.

Did I mention charlotte christian, the actualname of the school? No. I just said that there were several private schools within a 1 mile drive and are the main drivers of value and demand for this neighborhood.

So, by what I hear, I could be wrong, but they do not want you to mention schools either. That's why I said I'm 50/50 on it.

You should be able to discuss what affects values....but no need to include the actual names of places.

First Baptist church: church or place of worship

Pineville school : school

Duke University: university

Burger King: fast food resturant

Firestone tires : automotive repair shop

I think the word 'private' sounds more exclusionary/discriminatory than the word 'Baptist'

Again...my brain has not been trained to speak like these people think...so what do I know.

Hope you don't get a letter about the word 'private'