MISMO XML

[DWiley]

env rips apart your appraisal and re arranges it....

Actually, it does not do that at all. It is sent in exactly the format that the appraiser creates on his/her desktop.

Back in the mid to late 90's there was a movement for use of a universal format. That was a decade before the GSEs adopted the MISMO standard (both ENV and MISMO are based on XML). The idea was for all the software vendors to adopt the same file format. That would have been great for appraisers and users. I sat in a meeting room in Washington, DC and listened to Dave Biggers tell a room full of appraisers what an awesome idea it was. The whole thing had his full support - but his view was based largely on the notion that everyone else would just adopt the Alamode format as the standard. When that did not happen, he changed his tune and basically made it difficult (and more expensive) to create ENV formatted reports in his software. It was an excellent example of a successful misinformation campaign, as to this day people continue to believe some of the misleading things they put out.

 

[Joe Flacco]

ENV does take apart the appraisal and then puts it back together differently. The ENV pdf is completely different from the original pdf. Argument could be made that it is the appraiser that takes it apart and puts it back together during the ENV creation process.

 

[DWiley]

ENV does take apart the appraisal and then puts it back together differently. The ENV pdf is completely different from the original pdf. Argument could be made that it is the appraiser that takes it apart and puts it back together during the ENV creation process.

That successful misinformation campaign I alluded to before was designed specifically to get appraisers to view it they way your post describes.

When used on the appraiser's computer, It takes nothing apart. It does assemble it differently than what occurs with MISMO XML. To the average appraiser it seems like it "takes it apart" and rearranges things because the software UI defaults to showing the MISMO version - which is total BS, IMO, given that is not the format to be delivered. If one is working on a report to be delivered in ENV format, then the default view should be the ENV view, not the MISMO view. Instead, one has to use a separate viewer to see the ENV version.

 

[Joe Flacco]

That successful misinformation campaign I alluded to before was designed specifically to get appraisers to view it they way your post describes.

When used on the appraiser's computer, It takes nothing apart. It does assemble it differently than what occurs with MISMO XML. To the average appraiser it seems like it "takes it apart" and rearranges things because the software UI defaults to showing the MISMO version - which is total BS, IMO, given that is not the format to be delivered. If one is working on a report to be delivered in ENV format, then the default view should be the ENV view, not the MISMO view. Instead, one has to use a separate viewer to see the ENV version.

To me the true copy of the appraisal report is the original pdf. Not MISMO XML or ENV. MISMO XML delivers the original pdf and ENV does not.

I was not aware of any misinformation campaign. Just my opinion based on my personal experiences with the different file types.

 

[timindp]

google it

 

[DWiley]

To me the true copy of the appraisal report is the original pdf. Not MISMO XML or ENV. MISMO XML delivers the original pdf and ENV does not.

I was not aware of any misinformation campaign. Just my opinion based on my personal experiences with the different file types.

The true copy is whatever you transmitted to the client. That is how USPAP defines a "report" - it is the thing transmitted to the client. If you send an ENV, then that ENV is the true copy. A PDF that was never sent to a client is not a true copy- it is not even a report

 

[Joe Flacco]

The true copy is whatever you transmitted to the client. That is how USPAP defines a "report" - it is the thing transmitted to the client. If you send an ENV, then that ENV is the true copy. A PDF that was never sent to a client is not a true copy- it is not even a report

I get what you are saying. It is the appraiser that creates the ENV. It still doesn't change that it is a crappy format.

 

[Bobby Bucks]

ENV does take apart the appraisal and then puts it back together differently. The ENV pdf is completely different from the original pdf. Argument could be made that it is the appraiser that takes it apart and puts it back together during the ENV creation process.

I still recall the moment I realized that and it dawned on me if the USPAP police showed up, my "true copy" may not be the one which was beamed up to the appraisalport mothership in Oxford, Mississippi.

 

[DWiley]

I get what you are saying. It is the appraiser that creates the ENV. It still doesn't change that it is a crappy format.

The design of the software used to create the format is really bad, and I think that heavily influences thoughts about the format itself. If the UI was more user friendly there would be fewer complaints. But, appraisers often complain when it comes to processes they only apply periodically.

 

[residentialguy]

The "expert" recognizes that reports are not written in a vacuum. They are not works of art to be hung in a museum. They are written for the intended users to use them. That is why the Standards say that the format is driven by the users. If you do not like the way any formatting system works, then do not take assignments that require it. I know appraisers who do not do GSE work because they do not like dealing with the GSE forms.

On that, we are in agreement 100%
Although my reports usually end up being displayed as a work of art