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	Comments on: Appraisal Simulator	</title>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21492</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Thu, 31 May 2018 15:47:50 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21492</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21454&quot;&gt;Mike Ford, AGA, GAA, RAA, SCREA, Realtor®&lt;/a&gt;.

One day I&#039;ll hopefully pick up a worthy candidate with construction experience. The problem with advocacy, is advocacy. There is nothing quite like hearing your senior appraiser curse down some big shot mortgage guy and put him in his place. That&#039;s why amc&#039;s are preferred for many, they insulate the mortgage banker from taking responsibility for unethical actions and force the appraiser into an employee like position. If someone can go straight to cert appraisal, I want to go straight to managing broker without experience. If the shoe fits, everyone should be able to wear it. And who are these mysterious underwriters anyways? All that is necessary to be an appraiser is to read and retain about 10,000 pages of bureaucratic guidance. Sometime after the fact I realized I knew nothing, at no point during testing was I ever required to answer specific questions about fnma hud or any other policy. Cheating is just so easy these days, it will be a big mistake to remove apprenticeship requirements. The appraisal CE industry needs a shot in the arm. But how could they keep up with the knee jerk policy changes which inevitably run past us at least once a year, if not more.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21454">Mike Ford, AGA, GAA, RAA, SCREA, Realtor®</a>.</p>
<p>One day I&#8217;ll hopefully pick up a worthy candidate with construction experience. The problem with advocacy, is advocacy. There is nothing quite like hearing your senior appraiser curse down some big shot mortgage guy and put him in his place. That&#8217;s why amc&#8217;s are preferred for many, they insulate the mortgage banker from taking responsibility for unethical actions and force the appraiser into an employee like position. If someone can go straight to cert appraisal, I want to go straight to managing broker without experience. If the shoe fits, everyone should be able to wear it. And who are these mysterious underwriters anyways? All that is necessary to be an appraiser is to read and retain about 10,000 pages of bureaucratic guidance. Sometime after the fact I realized I knew nothing, at no point during testing was I ever required to answer specific questions about fnma hud or any other policy. Cheating is just so easy these days, it will be a big mistake to remove apprenticeship requirements. The appraisal CE industry needs a shot in the arm. But how could they keep up with the knee jerk policy changes which inevitably run past us at least once a year, if not more.</p>
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		<title>
		By: Mike Ford, AGA, GAA, RAA, SCREA, Realtor®		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21454</link>

		<dc:creator><![CDATA[Mike Ford, AGA, GAA, RAA, SCREA, Realtor®]]></dc:creator>
		<pubDate>Sat, 26 May 2018 20:31:08 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21454</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21449&quot;&gt;Baggins&lt;/a&gt;.

Absolutely Baggs! BTW a proper simulator is or (would be) still only an educational tool. It is not an end result equal to real world experience. Let&#039;s remember. We are not talking about time to become a licensed (permission to practice) appraiser. We are talking about bypassing and going straight to Certified (State &lt;em&gt;certifies to a certain level of advanced competency&lt;/em&gt;) beyond the permitted to practice level.

&#160;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21449">Baggins</a>.</p>
<p>Absolutely Baggs! BTW a proper simulator is or (would be) still only an educational tool. It is not an end result equal to real world experience. Let&#8217;s remember. We are not talking about time to become a licensed (permission to practice) appraiser. We are talking about bypassing and going straight to Certified (State <em>certifies to a certain level of advanced competency</em>) beyond the permitted to practice level.</p>
<p>&nbsp;</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21449</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Fri, 25 May 2018 22:24:16 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21449</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21424&quot;&gt;Mike Ford, AGA, GAA, RAA, SCREA, Realtor®&lt;/a&gt;.

&lt;p&gt;Can I get that for a pilots license please? I don&#8217;t like anyone else behind the wheel, or in this case, the stick, except me. A proper simulator would check on their fee and turn time and provide an immediate fail point of the appraiser actually learned how much the consumer was paying, if realism is the goal.&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21424">Mike Ford, AGA, GAA, RAA, SCREA, Realtor®</a>.</p>
<p>Can I get that for a pilots license please? I don&#8217;t like anyone else behind the wheel, or in this case, the stick, except me. A proper simulator would check on their fee and turn time and provide an immediate fail point of the appraiser actually learned how much the consumer was paying, if realism is the goal.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21448</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Fri, 25 May 2018 22:21:42 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21448</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21447&quot;&gt;Baggins&lt;/a&gt;.

&lt;p&gt;The comment I&#8217;d like you to review is one of the lowest comments, you&#8217;ll recognize it because it will require actual reading and is a long skinny post. I detail how plug ins work, the racket behind marketing them, and imbalanced control features.&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21447">Baggins</a>.</p>
<p>The comment I&#8217;d like you to review is one of the lowest comments, you&#8217;ll recognize it because it will require actual reading and is a long skinny post. I detail how plug ins work, the racket behind marketing them, and imbalanced control features.</p>
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		By: Baggins		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21447</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Fri, 25 May 2018 22:20:19 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21447</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21421&quot;&gt;E J B&lt;/a&gt;.

&lt;p&gt;I&#8217;m telling you for the last time&#8230;. HA! Paying for &#8216;plug ins&#8217; is like volunteering for abuse. See this comment for the details&#8230;  Via; Baggins, May 14, 9:47 am&lt;br /&gt;
&lt;a href=&quot;https://appraisersblogs.com/appraisal-business-fees-lenders-lies/#comment-21244&quot; rel=&quot;nofollow&quot;&gt;https://appraisersblogs.com/appraisal-business-fees-lenders-lies/#comment-21244&lt;/a&gt;&lt;br /&gt;
&#8220;Seeing the bigger picture yet?&#8221;&lt;/p&gt;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21421">E J B</a>.</p>
<p>I&#8217;m telling you for the last time&#8230;. HA! Paying for &#8216;plug ins&#8217; is like volunteering for abuse. See this comment for the details&#8230;  Via; Baggins, May 14, 9:47 am<br />
<a target="_blank" href="https://appraisersblogs.com/appraisal-business-fees-lenders-lies/#comment-21244" rel="nofollow">https://appraisersblogs.com/appraisal-business-fees-lenders-lies/#comment-21244</a><br />
&#8220;Seeing the bigger picture yet?&#8221;</p>
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		By: Mike Ford, AGA, GAA, RAA, SCREA, Realtor®		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21424</link>

		<dc:creator><![CDATA[Mike Ford, AGA, GAA, RAA, SCREA, Realtor®]]></dc:creator>
		<pubDate>Wed, 23 May 2018 23:03:37 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21424</guid>

					<description><![CDATA[How cool!!!

I think the &#039;powers that be&#039; at AQB should give at least 50% credit for every hour &lt;em&gt;controlled artificial environment&lt;/em&gt; &#039;simulated experience&#039; toward real experience! 2000 hours in a simulator=1,000 hours real experience.

Clearly John and the gang over at AQB have solved the manufactured appraisal shortage crisis. Well done!

This will go SO far in preserving the Public Trust.]]></description>
			<content:encoded><![CDATA[<p>How cool!!!</p>
<p>I think the &#8216;powers that be&#8217; at AQB should give at least 50% credit for every hour <em>controlled artificial environment</em> &#8216;simulated experience&#8217; toward real experience! 2000 hours in a simulator=1,000 hours real experience.</p>
<p>Clearly John and the gang over at AQB have solved the manufactured appraisal shortage crisis. Well done!</p>
<p>This will go SO far in preserving the Public Trust.</p>
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		<title>
		By: E J B		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21421</link>

		<dc:creator><![CDATA[E J B]]></dc:creator>
		<pubDate>Wed, 23 May 2018 18:41:43 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21421</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21418&quot;&gt;Jeff&lt;/a&gt;.

Just got over the same problem yesterday with PCV Murcor. After 45 min of trying to upload the report I kept getting back an auto response that there were 13 problems. I went through the whole list and checked each of their little boxes that everything was in the report. Still couldn&#039;t upload it so requested an over ride code. 4 hrs later still no code. Sent an email and was told they would send a code. 10:30 PM received the code so the next day I uploaded it and that afternoon @ 4:00 I received a revision request because I neglected to X one of the stable market boxes on the MC form. until a human reads the report how do they know what&#039;s in it ? This added 2 1/2 days.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21418">Jeff</a>.</p>
<p>Just got over the same problem yesterday with PCV Murcor. After 45 min of trying to upload the report I kept getting back an auto response that there were 13 problems. I went through the whole list and checked each of their little boxes that everything was in the report. Still couldn&#8217;t upload it so requested an over ride code. 4 hrs later still no code. Sent an email and was told they would send a code. 10:30 PM received the code so the next day I uploaded it and that afternoon @ 4:00 I received a revision request because I neglected to X one of the stable market boxes on the MC form. until a human reads the report how do they know what&#8217;s in it ? This added 2 1/2 days.</p>
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		<title>
		By: Bill Johnson		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21420</link>

		<dc:creator><![CDATA[Bill Johnson]]></dc:creator>
		<pubDate>Wed, 23 May 2018 18:07:01 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21420</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21417&quot;&gt;Dave Towne&lt;/a&gt;.

I get what your saying Dave, but being a big city urban, or suburban appraiser (primary) comes with unique challenges as compared to small suburban/rural appraising. Sorting through a hundred sales over a 12 month period all being within a mile of the subject sounds easy, until you realize that after you use 3, all other interested parties have 97 other sales to challenge you with (extra time). Good luck with those reconsideration of values and Tidewater proceedings when agents go the bulk MLS route (20, 30, 40+) instead of doing their job. As a large city appraiser, some 40% of my work comes by way of form 1073, while I would assume rural appraisers do very little condo work. There&#039;s nothing like doing an appraisal on a 4, 8, or 15 unit building where nothing has sold for 5 years, and from the seat of your paints you know the outside sales that you are forced to use are $50,000 to a $100,000 off either way (similar to rural appraising with no sales?). Lastly, with big corporation influence, many large city suburban appraisers deal with huge volumes of fix and flip properties. At times, my search results may be influenced by a +/- 80% stock of sold (flipped) homes. Perhaps unusual to see for a rural appraiser, but common for many. We&#039;re on the same side, and I agree, a so called fix in your area, probably won&#039;t fix my area. 

Seek the truth.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21417">Dave Towne</a>.</p>
<p>I get what your saying Dave, but being a big city urban, or suburban appraiser (primary) comes with unique challenges as compared to small suburban/rural appraising. Sorting through a hundred sales over a 12 month period all being within a mile of the subject sounds easy, until you realize that after you use 3, all other interested parties have 97 other sales to challenge you with (extra time). Good luck with those reconsideration of values and Tidewater proceedings when agents go the bulk MLS route (20, 30, 40+) instead of doing their job. As a large city appraiser, some 40% of my work comes by way of form 1073, while I would assume rural appraisers do very little condo work. There&#8217;s nothing like doing an appraisal on a 4, 8, or 15 unit building where nothing has sold for 5 years, and from the seat of your paints you know the outside sales that you are forced to use are $50,000 to a $100,000 off either way (similar to rural appraising with no sales?). Lastly, with big corporation influence, many large city suburban appraisers deal with huge volumes of fix and flip properties. At times, my search results may be influenced by a +/- 80% stock of sold (flipped) homes. Perhaps unusual to see for a rural appraiser, but common for many. We&#8217;re on the same side, and I agree, a so called fix in your area, probably won&#8217;t fix my area. </p>
<p>Seek the truth.</p>
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		<title>
		By: Diana N. CREA,CRA,GRI		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21419</link>

		<dc:creator><![CDATA[Diana N. CREA,CRA,GRI]]></dc:creator>
		<pubDate>Wed, 23 May 2018 16:39:30 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21419</guid>

					<description><![CDATA[Same old story, appraisers are screwed again, sorry for being so blunt.]]></description>
			<content:encoded><![CDATA[<p>Same old story, appraisers are screwed again, sorry for being so blunt.</p>
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		<title>
		By: Jeff		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21418</link>

		<dc:creator><![CDATA[Jeff]]></dc:creator>
		<pubDate>Wed, 23 May 2018 16:34:39 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21418</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21416&quot;&gt;Baggins&lt;/a&gt;.

Yes the extended times for appraisers is the middle man AMC. If lenders would just send requests directly to appraisers. It would be so much faster and easier. Half my morning sending off a final inspection. Had to send it twice in env format because the first one I sent didn&#039;t have the AMC in the lender field]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21416">Baggins</a>.</p>
<p>Yes the extended times for appraisers is the middle man AMC. If lenders would just send requests directly to appraisers. It would be so much faster and easier. Half my morning sending off a final inspection. Had to send it twice in env format because the first one I sent didn&#8217;t have the AMC in the lender field</p>
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		By: Dave Towne		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21417</link>

		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Wed, 23 May 2018 16:24:30 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21417</guid>

					<description><![CDATA[&lt;p&gt;The current 1004 form is SIX pages, not three. The required MC form (when Agencies are involved with the loan) adds ONE additional page. That&#8217;s a total of SEVEN pages, not including any additional exhibits required by specific lenders or &#8216;investors.&#8217; Typical residential appraisals run between 20 and 40 pages total.&lt;/p&gt;
&lt;p&gt;&#8220;Appraisal Simulators&#8221; might be a way to shorten &#8216;some&#8217; of the learning necessary, but nothing beats actually seeing multiple varying properties over a period of time. However, people who only have knowledge of major urban area appraising, with hundreds of similar homes in a concentrated area, don&#8217;t understand or appreciate the difficulty appraisers have in small urban, suburban and rural areas. Unfortunately, implementers of new processes generally have blinders on, figuring what works &#8216;here&#8217; will work &#8216;there&#8217; just as well. It doesn&#8217;t.&lt;/p&gt;
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			<content:encoded><![CDATA[<p>The current 1004 form is SIX pages, not three. The required MC form (when Agencies are involved with the loan) adds ONE additional page. That&#8217;s a total of SEVEN pages, not including any additional exhibits required by specific lenders or &#8216;investors.&#8217; Typical residential appraisals run between 20 and 40 pages total.</p>
<p>&#8220;Appraisal Simulators&#8221; might be a way to shorten &#8216;some&#8217; of the learning necessary, but nothing beats actually seeing multiple varying properties over a period of time. However, people who only have knowledge of major urban area appraising, with hundreds of similar homes in a concentrated area, don&#8217;t understand or appreciate the difficulty appraisers have in small urban, suburban and rural areas. Unfortunately, implementers of new processes generally have blinders on, figuring what works &#8216;here&#8217; will work &#8216;there&#8217; just as well. It doesn&#8217;t.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21416</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Wed, 23 May 2018 15:56:07 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21416</guid>

					<description><![CDATA[Just let the mortgage bankers send the order directly to the appraiser with a phone call and email. The intentional bureaucracy in appraisal distribution is insane. New FNMA forms? Hating in advance. Appraisal simulator? Will it simulate a corrupt assignment system where you get an F grade for A work if you have not advocated on behalf of the middle management assignment client?]]></description>
			<content:encoded><![CDATA[<p>Just let the mortgage bankers send the order directly to the appraiser with a phone call and email. The intentional bureaucracy in appraisal distribution is insane. New FNMA forms? Hating in advance. Appraisal simulator? Will it simulate a corrupt assignment system where you get an F grade for A work if you have not advocated on behalf of the middle management assignment client?</p>
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		<title>
		By: Advocate		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21415</link>

		<dc:creator><![CDATA[Advocate]]></dc:creator>
		<pubDate>Wed, 23 May 2018 15:55:05 +0000</pubDate>
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					<description><![CDATA[Remember the simulators in Drivers Ed? They were nothing like actual driving. The same will be true for anything they put out there.  A better solution is to pay the appraiser a decent wage to hire a trainee.]]></description>
			<content:encoded><![CDATA[<p>Remember the simulators in Drivers Ed? They were nothing like actual driving. The same will be true for anything they put out there.  A better solution is to pay the appraiser a decent wage to hire a trainee.</p>
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		By: Vincent R Simon on Facebook		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21412</link>

		<dc:creator><![CDATA[Vincent R Simon on Facebook]]></dc:creator>
		<pubDate>Wed, 23 May 2018 14:43:56 +0000</pubDate>
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					<description><![CDATA[If you can&#039;t see the writing in the wall by now,. Good luck in the future. Lol.]]></description>
			<content:encoded><![CDATA[<p>If you can&#8217;t see the writing in the wall by now,. Good luck in the future. Lol.</p>
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		<title>
		By: Coach		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21411</link>

		<dc:creator><![CDATA[Coach]]></dc:creator>
		<pubDate>Wed, 23 May 2018 14:41:47 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=18065#comment-21411</guid>

					<description><![CDATA[I&#039;m not a bit surprised it passed the House. S2155 was highly supported by the financial sector which needs the most supervision... The clock is ticking!]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m not a bit surprised it passed the House. S2155 was highly supported by the financial sector which needs the most supervision&#8230; The clock is ticking!</p>
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		By: Greg Boyd on Facebook		</title>
		<link>https://appraisersblogs.com/appraisal-simulator-waivers-evalutions-update/#comment-21409</link>

		<dc:creator><![CDATA[Greg Boyd on Facebook]]></dc:creator>
		<pubDate>Wed, 23 May 2018 13:58:20 +0000</pubDate>
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					<description><![CDATA[Oh please]]></description>
			<content:encoded><![CDATA[<p>Oh please</p>
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