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	Comments on: Look in the Mirror	</title>
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	<description>Appraisal News and Tips for Real Estate Appraisers</description>
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		<title>
		By: Shawn Prince		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37273</link>

		<dc:creator><![CDATA[Shawn Prince]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 20:29:34 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37273</guid>

					<description><![CDATA[Good article. Keep it going.]]></description>
			<content:encoded><![CDATA[<p>Good article. Keep it going.</p>
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		<title>
		By: Phillyapp		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37269</link>

		<dc:creator><![CDATA[Phillyapp]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 13:21:00 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37269</guid>

					<description><![CDATA[Mark, nice article. However, the ASC was enacted under FIRREA in 1989. Dodd-Frank, tasked the ASC with some oversight of AMC.]]></description>
			<content:encoded><![CDATA[<p>Mark, nice article. However, the ASC was enacted under FIRREA in 1989. Dodd-Frank, tasked the ASC with some oversight of AMC.</p>
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		By: Kathy Morton Bunting Hoey on Facebook		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37268</link>

		<dc:creator><![CDATA[Kathy Morton Bunting Hoey on Facebook]]></dc:creator>
		<pubDate>Tue, 28 Feb 2023 03:38:35 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37268</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/look-in-the-mirror/#comment-37246&quot;&gt;Ernie Ramos on Facebook&lt;/a&gt;.

Ernie Ramos race to the bottom!!! Sad!!]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/look-in-the-mirror/#comment-37246">Ernie Ramos on Facebook</a>.</p>
<p>Ernie Ramos race to the bottom!!! Sad!!</p>
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		<title>
		By: John Daley		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37260</link>

		<dc:creator><![CDATA[John Daley]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 22:41:05 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37260</guid>

					<description><![CDATA[First and foremost, I have no problem with any Articles and posts on Appraisal Blog.  Its called Free Speech.  Keep them coming.  From my perspective, the appraisal world is as woke as the rest of the industries in this country.  It seems the 5% woke people want to destroy everything.  Whether appraising or otherwise, they want to destroy everything in the name of discrimination, racism, etc., I can say a ton more isms to prove my point.  Because of that, we get articles for us to look in the mirror, the 95% of us who do it right every day get it thrown back in our faces.  I don&#039;t have to look it the mirror every day.  I don&#039;t have to worry about whether I am biased, or racist because I don&#039;t care.  I don&#039;t care what you are or who you are.  I appraise homes unbiased because that was my oath to the appraisal industry.  Anyone of you falling for this crap have to look in the mirror.  Wake up.  You are good at what you do.  Don&#039;t let anyone tell you otherwise.  Our industry is not supporting us, and that is why I quit.  No one will tell me that I am one of these &quot;isms&quot;.  Until the Appraisal leaders get it, or get their mitts out of the money game, you will have to listen to this crap.  I saw this coming 10 years ago.  Hold on until you get the respect you deserve.]]></description>
			<content:encoded><![CDATA[<p>First and foremost, I have no problem with any Articles and posts on Appraisal Blog.  Its called Free Speech.  Keep them coming.  From my perspective, the appraisal world is as woke as the rest of the industries in this country.  It seems the 5% woke people want to destroy everything.  Whether appraising or otherwise, they want to destroy everything in the name of discrimination, racism, etc., I can say a ton more isms to prove my point.  Because of that, we get articles for us to look in the mirror, the 95% of us who do it right every day get it thrown back in our faces.  I don&#8217;t have to look it the mirror every day.  I don&#8217;t have to worry about whether I am biased, or racist because I don&#8217;t care.  I don&#8217;t care what you are or who you are.  I appraise homes unbiased because that was my oath to the appraisal industry.  Anyone of you falling for this crap have to look in the mirror.  Wake up.  You are good at what you do.  Don&#8217;t let anyone tell you otherwise.  Our industry is not supporting us, and that is why I quit.  No one will tell me that I am one of these &#8220;isms&#8221;.  Until the Appraisal leaders get it, or get their mitts out of the money game, you will have to listen to this crap.  I saw this coming 10 years ago.  Hold on until you get the respect you deserve.</p>
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		<title>
		By: AppraisersBlogs Team		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37259</link>

		<dc:creator><![CDATA[AppraisersBlogs Team]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 22:35:57 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37259</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/look-in-the-mirror/#comment-37257&quot;&gt;Baggins&lt;/a&gt;.

The number of shares has to do with the number of times the article was shared via social media (twitter, facebook, linkedin, etc) as well as emailed, printed, etc. 

And no, not all subscribers read our posts.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/look-in-the-mirror/#comment-37257">Baggins</a>.</p>
<p>The number of shares has to do with the number of times the article was shared via social media (twitter, facebook, linkedin, etc) as well as emailed, printed, etc. </p>
<p>And no, not all subscribers read our posts.</p>
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		<title>
		By: Baggins		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37257</link>

		<dc:creator><![CDATA[Baggins]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 22:11:50 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37257</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/look-in-the-mirror/#comment-37250&quot;&gt;AppraisersBlogs Team&lt;/a&gt;.

Impossible.  We don&#039;t have that much reach.  That many people are not reading our posts.  Otherwise how could things continue to be this bad and our group continues to be treated so poorly by the lending community at large?  Don&#039;t get me wrong, this site is the absolute best, free disclosure, great writers, great contributors, trust worthy management.  It just defies logic to think that many VIP&#039;s read what we have to say and straight up continue to ignore our concerns and abuse our persons and livelihoods with these deceptive industry destroying and career destroying approaches.  I guess that&#039;s &#039;equity&#039; for appraisers though.  What does &#039;the shares&#039; ticker in the upper right represent?  Is it possible to have an article viewed ticker, or is that like unreliable due to bots and web crawlers and such?  Hopefully Mark can make something happen, he&#039;s been good at a lead role so far, good work.  

My coping strategy is to make sure to have Article 1 Section X memorized. The bozos in government will never successfully legislate away their own lack of ethic and all the disastrous consequences there to.  They are dialing for dollars right now, guaranteed.  This is how it works;  Gov gives grants to 501c&#039;s, the 501c&#039;s kick back donation money to politicians, they work together on causes which increase grant money.  If one never looks at the collateral destruction left in the rear view mirror, the beat simply carries on.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/look-in-the-mirror/#comment-37250">AppraisersBlogs Team</a>.</p>
<p>Impossible.  We don&#8217;t have that much reach.  That many people are not reading our posts.  Otherwise how could things continue to be this bad and our group continues to be treated so poorly by the lending community at large?  Don&#8217;t get me wrong, this site is the absolute best, free disclosure, great writers, great contributors, trust worthy management.  It just defies logic to think that many VIP&#8217;s read what we have to say and straight up continue to ignore our concerns and abuse our persons and livelihoods with these deceptive industry destroying and career destroying approaches.  I guess that&#8217;s &#8216;equity&#8217; for appraisers though.  What does &#8216;the shares&#8217; ticker in the upper right represent?  Is it possible to have an article viewed ticker, or is that like unreliable due to bots and web crawlers and such?  Hopefully Mark can make something happen, he&#8217;s been good at a lead role so far, good work.  </p>
<p>My coping strategy is to make sure to have Article 1 Section X memorized. The bozos in government will never successfully legislate away their own lack of ethic and all the disastrous consequences there to.  They are dialing for dollars right now, guaranteed.  This is how it works;  Gov gives grants to 501c&#8217;s, the 501c&#8217;s kick back donation money to politicians, they work together on causes which increase grant money.  If one never looks at the collateral destruction left in the rear view mirror, the beat simply carries on.</p>
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		<title>
		By: Pat		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37255</link>

		<dc:creator><![CDATA[Pat]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 21:36:56 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37255</guid>

					<description><![CDATA[The crime lies at the lenders’ feet.
They are the enablers for the AMCs to rip off everybody.  They have shunned their obligations to oversee them or they are ignorant or they are complicit.]]></description>
			<content:encoded><![CDATA[<p>The crime lies at the lenders’ feet.<br />
They are the enablers for the AMCs to rip off everybody.  They have shunned their obligations to oversee them or they are ignorant or they are complicit.</p>
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		<title>
		By: Pat Turner		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37324</link>

		<dc:creator><![CDATA[Pat Turner]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 20:07:16 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37324</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/look-in-the-mirror/#comment-37257&quot;&gt;Baggins&lt;/a&gt;.

I’m not a computer guy

But would it be useful to put all this on Facebook and LinkedIn?]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/look-in-the-mirror/#comment-37257">Baggins</a>.</p>
<p>I’m not a computer guy</p>
<p>But would it be useful to put all this on Facebook and LinkedIn?</p>
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		<title>
		By: AppraisersBlogs Team		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37250</link>

		<dc:creator><![CDATA[AppraisersBlogs Team]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 19:31:35 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37250</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/look-in-the-mirror/#comment-37247&quot;&gt;George L. Heredia on Facebook&lt;/a&gt;.

George, we have about 50k subscribers, among them regulators, amcs, builders, banks, lenders, LOs, realtors as well as other real estate professionals. We know people from FNMA, AI, TAF are also following the blog. However, another way of getting the attention this needs, is contacting and sharing articles with your state reps.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/look-in-the-mirror/#comment-37247">George L. Heredia on Facebook</a>.</p>
<p>George, we have about 50k subscribers, among them regulators, amcs, builders, banks, lenders, LOs, realtors as well as other real estate professionals. We know people from FNMA, AI, TAF are also following the blog. However, another way of getting the attention this needs, is contacting and sharing articles with your state reps.</p>
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		<title>
		By: Mark Skapinetz on Facebook		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37248</link>

		<dc:creator><![CDATA[Mark Skapinetz on Facebook]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 19:21:18 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37248</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://appraisersblogs.com/look-in-the-mirror/#comment-37247&quot;&gt;George L. Heredia on Facebook&lt;/a&gt;.

George L. Heredia I posted this to my own blog which has people all over who read it. It’s also been posted to linked In and I’ve made sure it was sent to other contacts I have. Lastly I have a call to be in with some higher up officials in 2 weeks to discuss things.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a target="_blank" href="https://appraisersblogs.com/look-in-the-mirror/#comment-37247">George L. Heredia on Facebook</a>.</p>
<p>George L. Heredia I posted this to my own blog which has people all over who read it. It’s also been posted to linked In and I’ve made sure it was sent to other contacts I have. Lastly I have a call to be in with some higher up officials in 2 weeks to discuss things.</p>
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		By: George L. Heredia on Facebook		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37247</link>

		<dc:creator><![CDATA[George L. Heredia on Facebook]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 19:18:32 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37247</guid>

					<description><![CDATA[Great article Mark. My only concern/question is who is the intended audience for this article? Being in AppraisersBlogs it is likely other appraisers who are already aware of the points made. Perhaps some brokers and regulators will read this, but they will likely shrug it off as not being their problem or area to look for changes to the industry. Certainly AMCs will do nothing on the issues raised in the story.

For real change to happen, the public and our elected officials (local, state and Federal) are need to be made aware of these issues. There needs to be some outcry. There needs to be someone in the political sphere that can see these issues for what they are - a danger to the homeowners and buyers impacted by these shenanigans.]]></description>
			<content:encoded><![CDATA[<p>Great article Mark. My only concern/question is who is the intended audience for this article? Being in AppraisersBlogs it is likely other appraisers who are already aware of the points made. Perhaps some brokers and regulators will read this, but they will likely shrug it off as not being their problem or area to look for changes to the industry. Certainly AMCs will do nothing on the issues raised in the story.</p>
<p>For real change to happen, the public and our elected officials (local, state and Federal) are need to be made aware of these issues. There needs to be some outcry. There needs to be someone in the political sphere that can see these issues for what they are &#8211; a danger to the homeowners and buyers impacted by these shenanigans.</p>
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		By: Ernie Ramos on Facebook		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37246</link>

		<dc:creator><![CDATA[Ernie Ramos on Facebook]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 19:16:21 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37246</guid>

					<description><![CDATA[Great article Mark Skapinetz!! So right on…cheapest and fastest is almost the only model these AMCs have in this slower volume period. But the issues are there regardless!!]]></description>
			<content:encoded><![CDATA[<p>Great article Mark Skapinetz!! So right on…cheapest and fastest is almost the only model these AMCs have in this slower volume period. But the issues are there regardless!!</p>
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		<title>
		By: Honest Appraiser		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37245</link>

		<dc:creator><![CDATA[Honest Appraiser]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 18:33:23 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37245</guid>

					<description><![CDATA[Easy fix is to copy the VA rotation panel - only because it works for all parties involved and protects Appraiser Independence. Revise Dudd-Fwank to Federally mandate that all states adopt this model and AMC&#039;s disappear on day 1.  Tweak in an allowance to add fees for complex work and on day 1 the Independent Appraiser becomes a force to be reckoned with as a group and can work together as professionals instead of being pittted against each other in a race to the bottom.  States work to maintain proper levels of participation and geo-competency .   The Cat Herding and Cobra Mining in effect are not working for anyone, especially the consumer of Appraisals.   This would apply only to FRT&#039;s.  NOT credit union or private work.]]></description>
			<content:encoded><![CDATA[<p>Easy fix is to copy the VA rotation panel &#8211; only because it works for all parties involved and protects Appraiser Independence. Revise Dudd-Fwank to Federally mandate that all states adopt this model and AMC&#8217;s disappear on day 1.  Tweak in an allowance to add fees for complex work and on day 1 the Independent Appraiser becomes a force to be reckoned with as a group and can work together as professionals instead of being pittted against each other in a race to the bottom.  States work to maintain proper levels of participation and geo-competency .   The Cat Herding and Cobra Mining in effect are not working for anyone, especially the consumer of Appraisals.   This would apply only to FRT&#8217;s.  NOT credit union or private work.</p>
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		<title>
		By: Ron Styles		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37242</link>

		<dc:creator><![CDATA[Ron Styles]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 17:19:45 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37242</guid>

					<description><![CDATA[Well written article Mark! 100% on point! Thanks for all you do in exposing the untruths and providing the real facts concerning the appraisal industry.  Keep up the good work!]]></description>
			<content:encoded><![CDATA[<p>Well written article Mark! 100% on point! Thanks for all you do in exposing the untruths and providing the real facts concerning the appraisal industry.  Keep up the good work!</p>
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		By: Cliff Troyansky		</title>
		<link>https://appraisersblogs.com/look-in-the-mirror/#comment-37240</link>

		<dc:creator><![CDATA[Cliff Troyansky]]></dc:creator>
		<pubDate>Mon, 27 Feb 2023 16:56:46 +0000</pubDate>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=28795#comment-37240</guid>

					<description><![CDATA[I agree for the most part. The HVCC was Pushed by Cuomo and his buddies after he threatened to sue Fannie Mae. BTW he was the &quot;Attorney General&quot; of New York at the time, Not The USA. HVCC&#039;s  purpose was to separate Loan Origination from the Bank Appraisal Dept.- Good idea and Intention,  Really Really Bad Results for Appraiser and Consumer. Prior to that Vice President &quot;A&quot; of Bank Loan Origination would saunter down the Hall to Vice President &quot;B&quot; in charge of Appraisal Dept for the bank (or same scenario with a Mortgage Company) and say HEY! I need this to come in at x$  amount. Vice Pres &quot;B&quot; then called the appraiser and relayed that info. If &#038; When that was refused by the appraiser, The Appraiser lost the Bank Client and got effectively blackballed from that Lender. It reminded me of Hollywood Rant -- &quot;You&#039;ll Never Work In This Town Again&quot;. I know several appraisers who lost their businesses after HVCC because they did just what Vice Pres &quot;B&quot; wanted (Which in turn reflected poorly on all the appraisers that stood up to Vice Pres B) . They made a ton of money prior to the  HVCC.  Some Honest appraisers also lost out because they could no longer communicate with Mortgage Brokers who were also Honest. (I know shocking- Honest Mortgage Brokers and Honest Appraisers that had a Relationship)  and Then--AMC&#039;s became and are the norm. I didn&#039;t do that. Some of those other guys are retired and living the good life because they made so much money until 2009, I&#039;m still shlubbing along 14 years later at age 65 after 35+ years. Who was Smarter?]]></description>
			<content:encoded><![CDATA[<p>I agree for the most part. The HVCC was Pushed by Cuomo and his buddies after he threatened to sue Fannie Mae. BTW he was the &#8220;Attorney General&#8221; of New York at the time, Not The USA. HVCC&#8217;s  purpose was to separate Loan Origination from the Bank Appraisal Dept.- Good idea and Intention,  Really Really Bad Results for Appraiser and Consumer. Prior to that Vice President &#8220;A&#8221; of Bank Loan Origination would saunter down the Hall to Vice President &#8220;B&#8221; in charge of Appraisal Dept for the bank (or same scenario with a Mortgage Company) and say HEY! I need this to come in at x$  amount. Vice Pres &#8220;B&#8221; then called the appraiser and relayed that info. If &amp; When that was refused by the appraiser, The Appraiser lost the Bank Client and got effectively blackballed from that Lender. It reminded me of Hollywood Rant &#8212; &#8220;You&#8217;ll Never Work In This Town Again&#8221;. I know several appraisers who lost their businesses after HVCC because they did just what Vice Pres &#8220;B&#8221; wanted (Which in turn reflected poorly on all the appraisers that stood up to Vice Pres B) . They made a ton of money prior to the  HVCC.  Some Honest appraisers also lost out because they could no longer communicate with Mortgage Brokers who were also Honest. (I know shocking- Honest Mortgage Brokers and Honest Appraisers that had a Relationship)  and Then&#8211;AMC&#8217;s became and are the norm. I didn&#8217;t do that. Some of those other guys are retired and living the good life because they made so much money until 2009, I&#8217;m still shlubbing along 14 years later at age 65 after 35+ years. Who was Smarter?</p>
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