Nice, whomever put this together.

Check this out. He’s actually doing it, lawn mower, and the rake. Living the dream. Denver 2022. Appraisers, welcome to your future so big corps can earn an even bigger cut. You are deemed non essential workers.

Instead, go to google and enter this search term: “mortgage lending”, Layoffs
Then click the tools button in the top under search bar, and click past one month.

Enjoy the reading. Anyone have a tank of gas I can borrow?

Um…. No we don’t. Stop telling other people how to think and how to live. Get out. Step off.

I don’t know about you but I never cared if the borrower was white, black, yellow,tan or purple I followed the guidelines of 1 mile comparable size and style if not available then in a comparable neighborhood. No discrimination just like for like.

What is the proof the issue was based on race?? Are you saying that anyone of a different race is automatically racist toward another?? That would be your bias, not mine.

Well actually she showed bias, and discrimination. Since Miller is white and it was based on race… it is racism. Sorry to burst your bubble. The proof is right there. You just don’t want to see it because it makes you have to look inwards and see all your bias.

Well, after you are falsely accused by a petty borrower and then Maxine’s new “Equity Council” finds you guilty of not using superior sales to add value we will ask what tune you are singing then. We are already held to a high standard and they have not provided ANY proof of racism in this profession so…. have a nice day

Thanks Baggins. One of these days we will have to set up a call and chat.

Thanks. Your reposting Marion Rhodes CG pictures, by the way. Here is another one.

If PAVE, FAIR, or any of these other things pass, we’ll update the picture with simple photo shop, replacing AMC with the Federal Valuation whatever that is called.

That’s the traditional take on risk vs reward in the appraisal industry Kathy.

However, I can’t even begin to fathom how much I would need to charge to cover an increased risk point where the appraiser may be held civilly liable with possible legal ramifications associated with mandated appraiser prosecution upon the perception of ‘appraiser bias’. I mean seriously, imagine the situations.

$500k sale price, appraiser at $475k = $25k possible personal liability. Then on to a high end; $800k estimated refinance, $700k opinion = $100k. How about a simple manufactured home at $225k, cost approach tabled at $185k and no comps = $40k. So now that you’ve completed three appraisals and shouldered a possible $25k + $100k + $40k = $165k in personal liability, how much will you be charging for these services next week?

Remember, you’ll be mounting your defense while incarcerated.

That was good Will, nice channel. Thank you. It takes a lot of courage to get out there like that, appreciated. You too Mark, your pages are more sophisticated than ever, lots of great content.

https://www.aei.org/profile/tobias-peter/
If readers of this blog will recall, AEI pushed the most important counter to the appraisers are racist slander to date. If at any point, appraisers write letters to anyone on this matter, always include the AEI document found here;
https://appraisersblogs.com/refuting-the-negative-race-bated-accusations

Honest thank you I appreciate that, but sadly, not even close. I’m surfing jobs boards dreaming of me riding a lawn mower for the city and actually getting benefits and a paid day off, being outside more often. Nowhere to go but up. I’m like hobo with an appraisal form over here; Need money to buy lawn mower. I have a dream. Work fell off and I’m not acclimating to my new unemployed status very well. So much for the concept of tenure in this industry.

And although I participate in these illuminating debates, I care less what politicians are doing. There is no reasoning with paid advocates. They’ve already gotten paid for the advocacy, nothing we say or do matters. Get your mind around it. Revisit the Permanent Apportionment Act so it’s more difficult for big corps to buy off the politicians. Save the frogs.

That’s a pickle though because the tech companies must abide by can spam act rules too, often imposed by way of intermediary email providers.

So when you click spam on an amc bid request which comes from the big box companies like mercury, scope, appraisal port, valuetrac, regorra, and a few others, you may then deal with unintended consequences. Those consequences being that when your direct lender sends you an order, those companies may have already respected your wishes to identify their emails as spam, and the tech company managing all those potential clients, may refuse to email you further. Your lender is clueless you did not get the order notification and you lose the client. Additionally you will lose all future token and/or invite notices if a direct assignment lender wants to pick you up through those systems. That actually did happen to me.

And it’s deceptive, you may think it’s an independent amc using an independent email but those requests may simply have specific email titles but are really still recognized via metadata and sender receiver protocol to have come from a company like Mercury or Scope. For example, when you click an amc spam which originates from Scope, via your Xfinity email, xfinity then may place all your emails from Scope, regardless of which client originated the email, into spam. And if it happens broadly, which it does as many appraisers click amc emails to spam, then Xfinity cuts off all Scope emails as recognized spam to all email receivers, and they send little messages via IT and server management, and Scope is responsive and delists your profile so that they can still push mass emails through Xfinity. It is important to know that when you click spam, you’re clicking that for scope, mercury, port, and not the amc’s utilizing those systems.

So appraisers really need to get on board with demanding amc’s stop emailing us if we specifically ask to unsubscribe. I spoke at length with many tech companies over this issue, and I had even gone so far as to forward all amc spam back to their help emails. Turns out they don’t agree with the process of indiscriminate emails for non productive matters when it’s them receiving those emails, although they have no problem allowing predatory amc’s to waste appraisers time. I demanded what the FCC regulations dictate; the ability to specifically unsubscribe from any given specific company.

The choice to unsubscribe and delist from an entire platform is not an option and is discriminatory to the appraiser. We should not lose valid direct assignment work in our efforts to eliminate bothersome amc spam. I’ve spent well over a decade simply trying to get disclosure on how many other appraisers the fee and turn time requests were sent to, tech companies refuse to share. They know how many emails they are sending, and how many appraisers those emails were sent to, so why do they refuse to share this important data?

The tech companies don’t have a clue about regulatory structure either, they freely offer some tools appraisers may be unaware of, like the ability for amc’s or lenders to set appraisers names to do not use lists or even offering them the ability to control appraisers visibility on their internal appraiser directories, which of course are copied lists from the ASB actively licensed appraisers data feeds they pull from. They don’t mind if you lose all working potential because the secure platform tech companies whom deal with appraisers, their standard is simple; accept amc’s as an equivalent client base or lose all access.

All appraisers should approach these companies with a fresh start, verify your email is active, demand better user tools, and verify your profile is visible for new client acquisition. Mercury offering the ‘accept bids’ Y/N, they finally offered a simple tool. Still inadequate but at least it’s something. I would have that tool on for direct lenders, they need coverage on tough orders too, and that mechanism is a good way to find new appraisers to put on your client list. Mercury refuses to simply parse the option; accept communications from amc’s Y/N. Took them three or four years but eventually they came around, sort of. Scope now has this feature too but you need to individually email them, as the appraiser control tools on our side are inadequate and do not allow the same controls they have.

These tech companies are clearly pandering to the interests of amc’s and lenders, having all but completely disregarded the reason the secure tech relay sites were created for in the first place. Both management and staff has changed over and they firmly believe their job and company functions are to advocate for amc’s, despite resistance from appraisers. Just FYI, be very careful with the use of spam button and amc’s. I just threaten FCC complaints every time and post the two FCC links at them constantly. Appraisers are the only email users in the world whom are not allowed to unsubscribe from bothersome but still legal emails? No. There is no special exception for amc’s with FCC.

As far as getting any fee and turn time requests, sorry but those are always broadcast orders. You just probably don’t know. Because TRID is in place, and the borrower has already received a quote for appraisal services fees. The lender has already contracted with the amc to distribute the order. The amc is already actively trying to place the specific order. Why doesn’t the amc propose a fee and turn time around that existing data, and simply get efficient and save everyone time and energy, assigning appraisers direct orders? Because the amc has a financial incentive to shop for lower valuation service prices, so they can pocket the difference, not returning cost savings to consumers. You can’t get around it and if the amc has told appraisers otherwise, they’re lying. My constant response to fee and tat requests is; “If your company can’t figure out what a fair fee to propose for individual appraisal requests is by now, I can’t help you. Please remove my information from your contact lists, I wish to unsubscribe from these commercialized messages, etc.” If and amc is asking for bids, it’s fair rule of thumb to consider them as predatory companies seeking to take advantage of you and the consumer alike. When appraisers quote for amc’s, the appraiser becomes the customer.

Forgot the course approval links, national basis. There you go.
https://www.appraisalfoundation.org/imis/TAF/Resources/Courses/Course_Approval_Program/TAF/AQB_CAP.aspx?

CJK you got tripped up on a technicality. Although classes are approved, they are not approved generally for all regulated professions. I agree with you that class is likely relevant, enriching, and should count. Due to the technicality which seems certain here; that class was not approved for appraisers specifically. If you were to argue this point, you would specifically review the material on the course approval programs and your state class lists. Link provided below. That’s why I just go through the mainstream avenues; jones, mckissock, oncourse, someone recommended calypso which I have not tried yet, etc. Consider anything not offered by the big box CE providers to be possibly off the specific list.

My state publishes a specific list which if I’m against the wall I also check to make sure the course is actively listed because it may be a possibility the CE providers approval to offer the course time period may have expired. This is the game with CE, the CE providers, and the state regulatory agency, a continual circle of approval, expiration, and course re approval, with the course often having a slightly different name variance. If you’ve ever ran through a CE class which you know you’ve taken before, but had a spelling name variant, that’s why.

https://datastudio.google.com/reporting/183942e6-5b21-44f1-b094-d48ae02162d1/page/ob5OB
Actually that is really interesting content to review, as appraisers could seek out new CE providers and new frontiers of practice. You know, those are also primary functions of appraisal boards, their function is not limited to just dishing out penalties and fines all day, investigations and such. Of the state board, there are working position assignments, one does complaints and investigations, the other does paperwork and billing, the other does renewal and ce auditing, another maintains and curates the currently approved CE list. Swear, these government people don’t know how the valuation industry works, and they’re clueless to the capability of regulatory agencies. Creating a new Federal Valuation Agency is just going to make an even greater mess of things and drive costs for valuation services up tremendously. When I refinanced last year it took them a full week just to get me an AVM estimate. There was a drive by service ordered that substituted what the appraisers used to be tasked with, which was 1075 exterior only no value reports, which was completed by a real estate sales agent, contracted through an amc, with undisclosed fee sharing arrangements. If the avm would not have indicated I had a positive loan to value ratio, they would have then either ordered some appraisal product from an appraiser, or more likely since my LTV was still positive, they might have utilized a bpo cma sort of product from a licensed realty agent as a basis for my homes valuation.

Dear legislators proposing PAVE & FAIR, please include licensed Realtor and realty sales agents in your revised regulatory proposal text, they always have the option to provide valuation services too. Come to think of it, these principals should be applied to homes in foreclosure status. Are we certain the county clerk and recorder alongside the treasurers office alongside the public trustee are operating in an unbiased manner? If the problem of bias in real property services is so widespread, shouldn’t it stand to reason that everyone involved in managing real property services should be subjected to similar if not matching updated regulatory approaches? What’s more important; a refinance, a notice of foreclosure, ones taxable amount basis?

Baggins for President. If you could sit in a room for 1 hour with Maxine we might get a reasonable result.

My state board did not give me credit for some of my CE. I had 3 days to take an on-line class and send them the certificate. It has now been 4 months and they have not gotten back to me. The funning thing is the CE was already approved by the State Real Estate Commission, but the appraiser board would not except it. One class was on title work, they said that title work was not appraisal related. Should I assume that if my client gives me the title work that shows that a rural property with acreage has a recorded access easement, that I do not need to read the title nor mention the easement in the appraisal? Because according to my appraisal board title work is not appraisal related. Will that reasoning hold up if I am in court? It is a good thing that I keep all of my correspondence just in case I need to refresh someone memory later.