More On Free Comp Checks

[Hamlet]

Nope - there has to be proof of an appraisal or there is no appraisal. Just like leprechans, find proof of one and I'll believe you. There is no proof a valuation was done.

Your name isn't Ralph is it?

http://www.entertonement.com/clips/...psons-Nancy-Cartwright-The-Simpsons-Season-9-

 

[Michigan CG]

........Come on, use your heads, if there's no proof of an appraisal - how could there be one? Not even a slip of paper with a number on it - nothing. There's nothing unethical about it. Unethical would be saying there's an appraisal when there isn't. 2 sides to that coin.

Read USPAP Frequently Asked Question number 130; it is on pages F59-F60. You are performing appraisals.

Just because there is no proof that you performed an illegal appraisal doesn't mean the crime wasn't committed.

.............It's another case of he said vs he said. If there's more than 2 parties that hear your expression of value than that could be construed as an "appraisal" as it's more than just the word of one person against the word of another person..........

So if I offer a bribe to an elected official but no one else hears it I have committed no crime. "It is just the work of one person against the word of another person."

 

[fifteen]

illegal appraisal????!! Wow, you guys are reaching. When does an appraisal become illegal? You read the Q & A and understand that you can hold yourself to this moral code of "committing an appraisal" by your understanding or you can see it in human and legal terms. How can you make a "code" that doesn't stand up to the laws of the country? You can't. It has to be written or expressed in writing (handing a LO a range of MLS comps for his subject) for a value to be considered an appraisal. The only other way is by more than one person stating they heard you say a value or range, something that "might" stand up in a court of law. These codes are written to conform with existing laws, not circumvent them.

 

[JSmith43]

I try another approach.


Appraizur: If your wife's sister got drunk at the family New Years eve party and you ended up nailing her in the laundry room, did you cheat on your wife, assuming the sister can't remember or doesn't tell? I'm assuming you wouldn't confess since you are not about to confess to the comp check/appraisals.:icon_mrgreen:

On a possibly related point have you ever "lost" a trainee that you had grown inappropriately close to? Because I think you are yanking our chains like some nameless soul did in the break room or whatever that forum is called.

 

[Stone]

Nope - there has to be proof of an appraisal or there is no appraisal. Just like leprechans, find proof of one and I'll believe you. There is no proof a valuation was done. Hence : how can you prove it? Don't you guys understand that's why USPAP was written that way??!! I'm not compromising anything. I don't know who taught you guys this, but you need to re-learn. Look at it in legal terms - could you be found guilty for casing a joint or do you have to commit a crime.

Come on, use your heads, if there's no proof of an appraisal - how could there be one? Not even a slip of paper with a number on it - nothing. There's nothing unethical about it. Unethical would be saying there's an appraisal when there isn't. 2 sides to that coin.

Tim - like I said, I don't give away info for free or else that'd be all I'd be doing. I USED to have some good mortgage brokers that were very ethical that came to me because they knew I did a good job and didn't "hit the numbers" and they never had any problems with my appraisals. Same with my now gone banks.

I think Mentor is correct. Apprazur has to be here just to yank chains. No other option makes a lick of sense for an actual appraiser. This post just couldn't be from someone trying to actually argue anything.

 

[Michigan CG]

LO : We need a value in the $250k range. Me : What's the least you can work with and I'll have a look. LO : Well, really we only need $190k. Me: Yeah, that's doable....................

OK, let me try to explain this so you can understand it. The above is an appraisal. USPAP FAQ 130 says it is. If you do not follow standards 1 and 2 you have violated USPAP.

Are you following along here?

USPAP is part of the law in many states, therefore what you are doing is illegal.

..........It has to be written or expressed in writing.........

You might want to dust off you USPAP manual. Your statement is WRONG. Please see FAQ 194 on page F95 of USPAP 2008, and then read Standards Rules 2-4, 3-4.

You are defending a practice that is illegal and unethical, but in your opinion it is only illegal if it can be proved and only unethical if it can be proved.

I am looking forward to the day when states start doing sting phone calls and start taking away licenses or impose heavy fines on people who hold your ill-gotten beliefs.

 

[Michigan CG]

I try another approach.


Appraizur: If your wife's sister got drunk at the family New Years eve party and you ended up nailing her in the laundry room, did you cheat on your wife, assuming the sister can't remember or doesn't tell?............

That is the post of the week.

 

[fifteen]

Mentor, that's the reason all my 3 trainees in the last 20 years have been guys lol. No chance for scrweing up. As far as committing a sin with my wifes sister - I have a moral code and I believe in a higher power and... oh yeah - kick arse karma. I just don't do those things. I'm sure as he!! no saint... and would never claim to be. I'd rather laugh with the sinners than cry with the saints, the sinners are much more fun and only the good die young.

 

[JSmith43]

Mentor, that's the reason all my 3 trainees in the last 20 years have been guys lol. No chance for scrweing up. As far as committing a sin with my wifes sister - I have a moral code and I believe in a higher power and... oh yeah - kick arse karma. I just don't do those things. I'm sure as he!! no saint... and would never claim to be. I'd rather laugh with the sinners than cry with the saints, the sinners are much more fun and only the good die young.

You are a good sport. I'll let the other posters hammer away at you for a while. Maybe you will get USPAP religion in your soul as a subset of your primary faith At least, unless and until the rules of the game change.

 

[fifteen]

One more time, USPAP is written to conform with existing laws and not to circumvent them. It's not meant to be the moral code of appraisers any more than you let it be. It's not handed down by God for appraisers. Irish Catholic lol.

What, I did an appraisal? Really, where's the proof? I'm supposed to feel guilty that I committed the sin of appraising for no money??! Sorry, Irish catholic and guilt was an ingrained experience, I don't need no more stinkun guilt lol

If it not written, guess what, you've got no proof

So doing what I've said will give you guys a guilty conscience AND that will send you to skippy hell if you continue in your wicked ways. Sometimes you guys are hilarious.