our mls is novice mls and its’ owned by core logic I think. I told them too but deaf.

Gail, there is a very simple solution. Don’t borrow money from lenders if you don’t want to follow their requirements concerning photos.

As an appraiser, I always take care to avoid ‘shooting’ personally identifiable features (as well as pictures, religious icons, book titles etc.). Is it a perfect system? No. Do I personally care what you read or your race is or your political views? Not at all. Nor am I there to offer commentary on housekeeping. We know we often catch people at inconvenient times. I try to take pictures of physical property issues-not housekeeping issues.

Do we ever take photos for our own benefit as opposed to lender requirements? Yes. We do it to remember features observed as opposed to the more lengthy process of writing notes. I also explain what I am doin and which photos will never make it beyond my own camera or computer. I dont put any photos up to Titan, CoreLogic’s AlaMode, but I cant guarantee that their software used by me doesn’t (without my specific consent) “grab” them.

All ANY occupant has to do is let us know that we do not have their permission to photograph anything, or have only very limited permission for each specifically authorized photo.

Please understand though that when we write down (report to our lender-client) that the owner or tenant refused/declined our request to photograph a property deficiency (a lender requirement) or the quick-release mechanism on window bars or to take representative room photos (lender requirement), in most cases they will not process the loan request further.

They MAY require that we go back out to the property to take the ‘missing’ photographs. Many (if not most) of us will then charge an additional $150 to $250 for a return trip fee. If you are the owner-borrower it is paid directly by you to the AMC or lender involved. If you are the tenant, it is paid by your landlord.

In my state, I have to give a tenant 60 days’ notice to vacate. I do not need ’cause’.

As appraisers, we are not there to intentionally inconvenience anyone. We recognize our presence can be intrusive. We try to minimize inconvenience to all parties when possible.

No one ‘demands’ to come into your home and take pictures. We ask consent to perform an appraisal. You are 100% within your rights to say “No.” Your lender is then 100% within THEIR rights to also say no to your loan. If you are a tenant you may have to look to your lease but certainly, I would respect any denial of permission to take photos or even to have an appraisal inspection. Then you can discuss ‘rights’ with your own landlord after they are denied their loan for not complying with the lender requirements.

There is a reason no one comes forth to “make a name for themselves” by fighting a nonexistent ‘violation’ of your 4th Amendment.

There is a trade-off for people today when it comes to convenience versus privacy, but ultimately it is always YOUR choice. Banks lending from (frequently) $250,000 to many millions of dollars have a right to set the conditions under which they wil lend that money. You as a consumer; property owner or tenant have the right to decide whether or not you are willing to comply with those requirements.

That all ends up in the cloud where anyone can hack it. Appraisers are now a dream for robbers, jewelry and art thieves, and even your everyday crook looking for items to turn into fast cash.

When will someone step up and start a class action suit to stop this invasion of people’s privacy? Few have any idea what the risk is or how high resolution photos are today. They can be blown up to examine every detail and read anything in the photo.

How many do you want to know every book on your bookshelf and have a copy of every personal photo someone might have hanging on the walls? And as food shortages and inflation continue to get worse, even everyday items that might be sitting in your kitchen could be targeted.

Appraisers blame their customers. Well someone should be paying to move everything out of our houses and back into it for them to take these photos. And paying for our time and inconvenience, too.

But the actual solution is the Fourth Amendment being blatantly disregarded. Apparently, they don’t teach that in school anymore. So here is a copy of it in case you have never seen it or could use a refresher:

” Fourth Amendment

The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.”

How secure are you in your home knowing that anyone can demand to come in and take photos of everything you own if you don’t have the means and time to get them out of the house first? Photos that can be viewed in perpetuity (forever) are definitely a “search”!

Home owners have a choice. Tenants do not. Some law office that wants to make a name for themselves should step up and start a class action lawsuit to stop this.

Go ahead. Start complying wit the new AMC requests for Appraiser DL and vehicle info. NOT!

Valdemort of Coester VMS

Becky Lowell he who shall not be named. Lol.

Who? Call me dense.

Indirectly related. I think someone said the housing market should be ran like the stock market, that technological advancements in real estate is inevitable…

What is high frequency trading? Stuff they don’t want you to know.

Keywords; Data breach alerts, data breach reporting, notification, security breach reporting, hacked data (your state). And that’s just what companies have been compelled to disclose due to ongoing legislation. Turbotax got hacked just last month. One could only speculate as to the risk and ongoing yet undiscovered penetration. Who’s proving the data has not already been hacked, the more pertinent question to ask.
http://www.ncsl.org/research/telecommunications-and-information-technology/overview-security-breaches.aspx

Top 10 most likely to be stolen data points; Real Names Birth Dates Social Security Numbers Home Addresses Medical Records Phone Numbers Financial Information Email Addresses Usernames and Passwords Insurance Policy Numbers.
https://en.wikipedia.org/wiki/SQL_injection

I’m finding it difficult to gin up any sympathy or even empathy for a company that is infamous for its own data thefts from appraisers BEFORE FNMA licensed it to ‘steal’ our data without our permission.

While Peter points out a very serious and real risk with online and cloud data storage; one that has been known to affect even the Pentagon, if federal regulators or anyone else were truly concerned about it, they’d change ALL report deliveries back to emailed pdfs; perhaps using an encryption system such as GERS like the federal government does.

While pdf format can also be manipulated it seems to be much harder since it is essentially a picture. Even conversion software takes time to use. If hacked and accessed, pdfs have to be manipulated one at a time rather than having all the component elements already able to be ‘mined’ identified or stripped out.

I doubt anyone could make a case for appraiser liability in the process. We have fought it in public; and the bottom line is that IF we want to conduct business with a GSE we are required as a condition of doing business with them, to use the delivery format they choose.

Besides, let someone prove hacking occurred before the CU or other upload portals. Anything after that is on FNMA when they share it back with corelamode.

And of course no explanations or statements from their IDIOT CEO who sold 10,000 shares of stock last week.

I would bet there have been numerous attacks we know nothing about.

Core Logic, FNMA, Freddie are all “Pearl Harbors” of data.

Frank Martell CEO parted with a total of 10 thousand shares of CoreLogic, Inc. (CLGX) at average share price of $40.01. This insider trade in the company took place on 02/21/2019. The total for the sales was set at $400.1 thousand. After this transaction, the President & CEO account balance stood at 262.34 thousand shares.

The stock lost -7.95 percent since that insider sale.