collateral value - Appraisers Blogs https://appraisersblogs.com/tag/collateral-value/ Appraisal News and Tips for Real Estate Appraisers Mon, 17 Aug 2026 02:34:57 +0000 en-US hourly 1 https://wordpress.org/?v=7.1 https://i0.wp.com/appraisersblogs.com/wp-content/uploads/2015/04/ABfavicon.png?fit=32%2C32&ssl=1 collateral value - Appraisers Blogs https://appraisersblogs.com/tag/collateral-value/ 32 32 52046035 Canadian Banks Will Exploit Gutted U.S. Mortgage Underwriting https://appraisersblogs.com/canadian-banks-will-exploit-gutted-u-s-mortgage-underwriting https://appraisersblogs.com/canadian-banks-will-exploit-gutted-u-s-mortgage-underwriting#comments Thu, 13 Apr 2023 12:30:13 +0000 https://appraisersblogs.com/?p=29251 Canadian banks see the newly dismantled underwriting safeguards and risk-shedding experiments at Fannie and Freddie as a way to keep the party going, with the risk passed along to the U.S. taxpayer directly… Canada’s banks are in trouble. Their mortgage portfolios are filled with time-bombs called “fixed-payment” mortgages. Despite the name, the loans contain rate-hike triggers that are causing payment shocks for borrowers. High interest rates and falling home values mean borrowers north of the border aren’t able to refinance out of these toxic mortgages. Short sellers are even targeting one Canadian bank, Toronto-Dominion Bank, better known as TD Bank....

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]]> https://appraisersblogs.com/canadian-banks-will-exploit-gutted-u-s-mortgage-underwriting/feed/ 13 29251 How U.S. Home Valuations Are Being Subverted https://appraisersblogs.com/how-u-s-home-valuations-are-being-subverted https://appraisersblogs.com/how-u-s-home-valuations-are-being-subverted#comments Wed, 22 Mar 2023 12:30:16 +0000 https://appraisersblogs.com/?p=29041 At the crossroads of it all is a campaign to weaken or eliminate valuations… The nonprofit is now exploring ways it can set standards for automated valuations… Expect greater distortions from Freddie and Fannie’s plodding and committee-driven foray into automated valuations.  Sometimes when the hair on the back of your neck stands up, there’s a reason for it. The nation’s $11 trillion mortgage market has been nationalized. This coup occurred in broad daylight and gradually. With Freddie and Fannie now in their second decade in federal conservatorship, the prospect that they will ever again be subjected to the watchful eye...

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]]> https://appraisersblogs.com/how-u-s-home-valuations-are-being-subverted/feed/ 21 29041 Racial Targeting Under the Heading of Diversity, Equity & Inclusion https://appraisersblogs.com/racial-targeting-masked-as-a-virtue-under-the-heading-diversity-equity-n-inclusion https://appraisersblogs.com/racial-targeting-masked-as-a-virtue-under-the-heading-diversity-equity-n-inclusion#comments Thu, 18 Aug 2022 12:30:18 +0000 https://appraisersblogs.com/?p=27626 This time around, the racial targeting is masked as a virtue under the heading “Diversity, Equity and Inclusion,” or “DEI.” Valuation Jiu-Jitsu Will Lead to Future Addie Polks Addie Polk was a 91-year-old African-American widow who shot herself in the chest in 2008 during a Fannie Mae-initiated eviction in Akron, Ohio. It marked the low point in Fannie’s embrace of toxic mortgages. Fannie, now in federal conservatorship, bought or guaranteed subprime loans made to vulnerable borrowers in the years leading up to the 2007-2008 financial crisis. There are now signs of new abuses. Under the banner “equity and inclusion,” some...

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]]> https://appraisersblogs.com/racial-targeting-masked-as-a-virtue-under-the-heading-diversity-equity-n-inclusion/feed/ 22 27626 Is That an Appraisal? USPAP Definition https://appraisersblogs.com/appraisal/why-isnt-that-an-appraisal/ https://appraisersblogs.com/appraisal/why-isnt-that-an-appraisal/#respond Mon, 17 Sep 2012 12:30:12 +0000 https://appraisersblogs.com/?p=3376 Why Isn’t that an Appraisal? APPRAISAL: (noun) the act or process of developing an opinion of value; an opinion of value. (adjective) of or pertaining to appraising and related functions such as appraisal practice or appraisal services. Comment: An appraisal must be numerically expressed as a specific amount, as a range of numbers, or as a relationship (e.g., not more than, not less than) to a previous value opinion or numerical benchmark (e.g., assessed value, collateral value). In general terms the USPAP definition is elegant in its simplicity. We all understand what it is that appraisers provide. You provide opinions...

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