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Welcome to the new 1004

DWiley said:
100% not accurate.

Adjustments are based on the effect on price, regardless of what is typical in an area. FHA, VA and the GSEs all have the same guidance on this.
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So, Fannie and Freddie do have access to the FHA and VA loan data and full detailed concessions and private information for their AVMs yet?
 
Dublin ohio said:
It's not a matter of being "better". It is a matter of what a client considers being sufficient for the particular situation.
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The client just wants to sell their risk onto somebody else the easiest, fastest & cheapest way possible. The appraisal profession is the only entity that could possibly protect the public from the current used-car salesman's approach on how that risk is sold onto the bond market as "investment-grade securities". "Valuation Professionals" who think that appraisers should be replaced with "black boxes under their control" have no business dictating policies which pose systemic risk. "Hybridization" is just another power grab to place what appraisals they are forced to order under the clients complete control. Client desires in the mortgage finance industry should not be the primary deciding factor for all things "appraisal related". Public trust should be. And anybody who "trusts" where this appraisal "modernization" is headed, where a a tiny number of people with skin in the game & no independent oversight will be in control of the entire mortgage market, is a fool.
 
Mike Ault said:
The client just wants to sell their risk onto somebody else the easiest, fastest & cheapest way possible. The appraisal profession is the only entity that could possibly protect the public from the current used-car salesman's approach on how that risk is sold onto the bond market as "investment-grade securities". "Valuation Professionals" who think that appraisers should be replaced with "black boxes under their control" have no business dictating policies which pose systemic risk. "Hybridization" is just another power grab to place what appraisals they are forced to order under the clients complete control. Client desires in the mortgage finance industry should not be the primary deciding factor for all things "appraisal related". Public trust should be. And anybody who "trusts" where this appraisal "modernization" is headed, where a a tiny number of people with skin in the game & no independent oversight will be in control of the entire mortgage market, is a fool.
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Get off your soapbox. You don't need to sell me. Just stating reality
 
How many appraisers are currently 62 or older?

I figure that half of those experienced senior residential appraisers will retire rather than being forced to switch to an iPad for software directed inspections.
 
OSU Beavers said:
How many appraisers are currently 62 or older?

I figure that half of those experienced senior residential appraisers will retire rather than being forced to switch to an iPad for software directed inspections.
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I'm 70 and have been using a tablet for quite a few years
 
djd09 said:
fannie forms jargon is not USPAP...but keep trying :ROFLMAO:
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It isn't. But... it is a Client Requirement and/or guideline. If you accept the assignment, you comply. Simple as that. If you don't want to provide the service that is requested... decline.

USPAP is the minimum standard.
 
sputnam said:
It isn't. But... it is a Client Requirement and/or guideline. If you accept the assignment, you comply. Simple as that. If you don't want to provide the service that is requested... decline.

USPAP is the minimum standard.
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lap dogs giving me lessons...public trust trumps all the clients whims and wants :ROFLMAO:
 
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