Bend Over and Ask for More…
GUILTY of not using human brain power of thinking and communicating…
How many of you can honestly state with all sincerity the appraiser is better off today with the use of Appraisal Management Companies (AMCs)? How many of you can say with all sincerity the consumer is being protected with the use of an AMC? How many of you can, with all sincerity state your business model is how you want it? How many of you are happy with the current environment of the industry?
If you answered yes, congratulations, you have found your peace. You should stop reading now, as you will not like what I am about to say. If you answered no, well, let me be blunt, you not only allowed this to happen, you agreed, bent over and asked for more. Before you get all bent out of shape and start cursing me, let me explain.
The world is changing. We are in a high tech digital world with some pretty amazing tools to help us. But let’s be honest, these are only tools. The human brain is complex and is superior to any computer that is made or will ever be made. The logic is so simple that people lose sight of the fact that a human brain created the computer and the computer programs; therefore the human brain is superior. It really is that simple.
My oldest child is graduating high school in a few weeks and during the college shopping experience with him, a common theme was evident. Every speech by the College President was basically the same thing, “Today’s graduates do not know how to communicate.” Sure they can text and use Instagram, SnapChat and other social media, but they cannot talk to other human beings. Each and every College President stated employers were not finding candidates that could work well in groups and communicate various ideas amongst themselves. In other words, candidates were so reliant on technology, they were severely lacking the skills necessary to use human power… thinking and communicating.
I was reading a post on Facebook by an appraiser that was angry about an order from StreetLinks for $250 that was sent via text message. The poster copied the entire text with verbiage “to accept respond YES to decline respond NO”. The comments, all in some form or fashion said NO. Well this kind of pissed me off that prompted this rant of an article.
WHY ARE YOU ALLOWING ANY AMC TO TEXT YOU AN ORDER?
This is just wrong! Do you text the plumber, electrician, or even the cable guy? Do you text a Doctor for an appointment? No, you pick up the phone and talk with a real live human being. Why are AMCs texting you assignments? The bigger question is why are you allowing it?
I don’t care what state you reside, if you are a licensed appraiser, your license was issued for public trust. Even if you are the only person to receive a text order from an AMC, which we all know is not the case; the AMC has failed to communicate the necessary information to you in order to make an informed decision on the assignment. By accepting the order without proper research of the property, you have failed to use the human power of thinking and communicating. The AMC and you, the appraiser, have failed to protect the public! Rather than post on Facebook to complain to other appraisers, who cannot solve the issue for you, what did you do to resolve the issue? By doing nothing, you allow this practice. You bent over to the AMC. By accepting the order, you asked for more.
YOU BENT OVER AND ASKED FOR MORE!
On another post on Facebook, there was a lengthy conversation about TSI Appraisal and how appraisers were doing significant volume with them and now they get no orders because TSI, like so many other AMCs, now blasts orders through their app. TSI Appraisal is assigning orders based on the quickest response, not the most qualified appraiser who does quality work. How is this protecting the public? Why would any appraiser who is using the most powerful tool in existence, THE HUMAN BRAIN, download an AMC app? That should be the last app anyone has on their phones. It simply is not professional, nor does it promote public trust. Your license is about Public Trust. By downloading an AMC app, you, the appraiser, have violated pubic trust and the basic principle of your licensure.
By allowing this practice, YOU BENT OVER AND ASKED FOR MORE.
Also, on Facebook, a poster posed a survey asking which portal was the easiest to use. The main choices were Mercury Network, Appraisal Port and ANOW. One of the commenter stated and I quote:
“Whatever system Settlement One uses is by far the best ever! I get a text, I accept, I text back the inspection date and its updated. I text the word complete when done with the inspection and again it’s updated. Easy peasy. Wish everyone used it.“
Are you kidding me? A monkey could perform those tasks… Easy Peasy!
SettlementOne is by far one of the most unethical companies that exists! They have a list of disciplinary action in multiple states for unlicensed activity and other violations. Why are you even accepting work from them? I really do not like to negatively speak of other appraisers but, THIS POSTER IS EXACTLY THE PROBLEM of not using the human brain. Not only did this poster not use a human brain when deciding on who to work with, they did not use their human brain when allowing the AMC to text, and also did not use a human brain when posting the comment about showing their own ignorance.
The AMC will continue this harmful and unprofessional practice because the poster BENT OVER AND ASKED FOR MORE.
In a recent conversation with a young attorney, I asked what his thoughts were on the use of text messaging in a professional environment. He stated “texting is not professional and I would lose credibility with my peers if I used texting in my profession.” He also mentioned that electronic communication is not secure and it should not be used as most communication is considered confidential. The conversation turned to the appraisal profession and blasting appraisal orders via text or AMC app with the first to respond gets the order. His response was priceless…
“I would not want that person to appraise my home”
Most states with AMC Statutes and Regulations have language about protecting the public. It may be time to turn these AMC‘s in to the licensing boards for not protecting the public. How many examples of abuse of the consumer do you personally have?
The point of this rant is that The AMC cannot exist without appraisers. Stop allowing yourself to be abused by these entities. I would be guilty of not using a human brain if I did not offer ideas for solutions. Here are some. Please add your own to the comments.
- Stop accepting AMC orders without researching the property first.
- Do not accept any text message from any AMC. Block their number. Remove the app from your phone. Report them as spam if you have to. Let the FCC go after them.
- Determine your fee based on your human brain. Do not let the AMC dictate your fee. You don’t tell a plumber you are only going to pay X dollars to fix your leak. The plumber tells you this is my fee. Appraisal Services are no different. Stop letting AMCs control your business.
- Meet with your Federal and State Legislators. Sit down face to face and discuss the issues. Show examples of abuse to the consumer by the AMCs. Offer solutions.
- Find better clients. They are out there.
The time is overdue…..
THE AMCs NEEDS TO BEND OVER AND BEG YOU TO WORK WITH THEM ON YOUR TERMS
On Friday, May 19, 2017 TSI Appraisal sent out a newsletter to appraisers. Why they are treating vendors as employees is a discussion for another day. What they are recommending is shockingly unbelievable. Every appraiser needs to realize how TSI Appraisal is severely lacking in brain power.
In the newsletter, they are recommending staying logged into their app all week long in order to not miss an assignment. Those people at TSI Appraisal need to use some human brain power and think! This is not a safe practice. Cyber crime is everywhere and providing an open invitation to thieves is just irresponsible. It is your data on the phone and your identity. This is nothing more than common sense. TSI Appraisal is GUILTY of not using human brain power of thinking and communicating.
Elsewhere in the Newsletter…
TSI Appraisals wants your client contacts!
If this is not a wake-up call to appraisers, there never will be!
TSI Appraisal is the very same company that believes the cost of the lettuce and tomato on a hamburger is not important to the consumer nor is the cost of an appraisal. TSI Appraisal is also hiring staff appraisers throughout the country. This is not there role and does not protect consumers. AMC staff appraisers contradict the intended purpose of an AMC, an independent third party between the lender and the appraiser. TSI Appraisal is also a member of REVAA, the AMC trade group that is going around the country making false statements to Legislators and bullying everyone in their way.
Please, use your human brain power and make intelligent decisions on who you do work for and how you work! The AMC cannot exist without appraisers. Use your human brain power and take control of not only your future, but the future of the industry.
By John J. Appraiser, Certified Real Estate Appraiser – author requested to remain anonymous