Exposure Draft - Appraisers Blogs

When ‘Protected’ Becomes Pressure: You Have Until July 27 to Object

Guest Author — Sat, 25 Jul 2026 12:30:25 +0000

The new fair‑housing course weaponizes protected characteristics to pressure appraisers into outcome‑driven valuation, directly contradicting USPAP’s prohibition on advocacy. The Fair Housing Course Is Training You to Break USPAP. You Have Until July 27 to Say So. The Appraiser Qualifications Board’s Second Exposure Draft keeps a required course that pressures new appraisers to advocate an outcome based on protected characteristics. That is not fair housing. It is not lawful. And you can still stop it — but the comment window closes July 27. Let me say it plainly. We are being pushed — through licensing law and federal fair-housing regulation...

Bias Accusation Collapses as HUD Clears the Appraiser HUD just confirmed what the appraisal showed from day one: the accusation never had a pulse. If you read the…
Appraisers Freed from DEI Propaganda This bold move immediately resulted in the removal of all appraisal bias propaganda from the official whitehouse.gov website. With a…
USPAP’s Typical Buyer Standard in the Fair Housing Era The Irreconcilable Conflict Between USPAP's Typical Buyer Standard and the Current Fair Housing Compliance Regime. Retain this document as a…

The post When ‘Protected’ Becomes Pressure: You Have Until July 27 to Object appeared on Appraisers Blogs.

Disparate Treatment and Impact in USPAP

Guest Author — Wed, 03 May 2023 12:30:03 +0000

USPAP has introduced the terms DISPARATE TREATMENT AND IMPACT in its 5th exposure draft. Disparate treatment and impact are bad for appraisers because they can damage the reputation of the profession, lead to legal and regulatory action, and negatively impact the success and viability of individual appraisers and their businesses. Disparate treatment occurs when an appraiser treats individuals or groups differently based on their race, ethnicity, gender, religion, or other protected characteristics. This type of discrimination is illegal and can result in legal and regulatory action, as well as damage to the appraiser’s reputation and business. Disparate impact occurs when...

When ‘Protected’ Becomes Pressure: You Have Until… The new fair‑housing course weaponizes protected characteristics to pressure appraisers into outcome‑driven valuation, directly contradicting USPAP’s prohibition on advocacy. The…
Diatribes Against Appraisers What’s even more frustrating to me is none of the well-known appraiser organizations have offered any public rebuttal to any…
Fannie Mae Filed a Complaint Against Me An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a…

The post Disparate Treatment and Impact in USPAP appeared on Appraisers Blogs.

AQB Initial Fair Housing Course

AppraisersBlogs — Thu, 23 Mar 2023 12:30:54 +0000

Mandatory completion of an initial fair housing course lasting 7 hours by January 1st 2025, as well as 4 additional hours every renewal cycle thereafter. Recently, the Appraiser Qualifications Board (AQB) has proposed new requirements for those looking to become an appraiser or renew their certification/license. These include mandatory completion of an initial fair housing course lasting seven hours by January 1st 2025, as well as four additional hours every renewal cycle thereafter if this becomes standard practice. The following is taken right out of the new exposure draft on real property appraiser qualifications criteria. “The core goal is to...

Truisms - Taxes, Death... and Bias Training ...other states will also modify their appraisal license renewal CE class requirements to include some form of anti-bias training... Folks,…
I've Retired & I'm So Glad I Did What we got, was 30+ years of complaints from the lenders and politicians who blamed appraisers for all of the…
Marin City Discrimination Case Settled It’s unfortunate that this case was SETTLED in the way it was, because in reality, nothing about racial discrimination and…

The post AQB Initial Fair Housing Course appeared on Appraisers Blogs.

Confusing Language for USPAP Ethics Rule Addition

Dave Towne — Fri, 17 Feb 2023 13:30:52 +0000

A proposed update of professional guidelines for property appraisals contains confusing language about what constitutes discrimination, and would even suggest appraisers could engage in “ethical” discrimination. Folks, the following article is in the ABA Banking Journal e-newsletter, posted on Wednesday, February 15, 2023. I’m really glad this has been released. Hopefully the Appraisal Standards Board will closely examine the concerns of the regulators. I read the USPAP 4th Exposure Draft. It contains so much new Ethics Rule “legaleze” language about conduct that it is, and can be, overwhelmingly confusing to a majority of appraisers. It’s written by lawyers in such...

Two Cheers for an 'Evolved' Beltway Entrepreneur...… We come not to bury David Bunton, the public figure, but to praise David Bunton, the evolved Beltway organism. Who…
USPAP Third Exposure Draft ...the Ethics Rule has been expanded with a new highly detailed Nondiscrimination section, which also affects the Competency Rule. Folks,…
Appraiser Countersuing Black Homeowners for Defamation The Maryland appraiser has filed a countersuit against the homeowners, claiming defamation. Appraisers, there have been several lawsuits filed against…

The post Confusing Language for USPAP Ethics Rule Addition appeared on Appraisers Blogs.

Bias and Discrimination in Reports, Yes or No?

Dave Towne — Wed, 04 Jan 2023 13:30:57 +0000

Appraisers, should we include discussion of B&D in our reports? Wait, What?? Bondage and Discipline? No, not that. Bias and Discrimination. Yes, it must be addressed very clearly. Now, before you blow a cork or throw your mouse at the computer screen, let’s examine what’s really been impacting ‘us’ for the past 4 plus years. One of our peers, who’s become somewhat famous for the way articles are written about appraisal and other topics, had a recent article ‘rebroadcasted’ in AppraisersBlogs, FTX Bought Government’s Silence; Did Fintechs Buy Attacks on Appraisers? A statement in that article exposes some of what has...

'Preference Falsification' - Why Licensees Parrot… Preference falsification has resulted in some appraisers parroting talking points they know to be untrue. People who live under authoritarian…
Diatribes Against Appraisers What’s even more frustrating to me is none of the well-known appraiser organizations have offered any public rebuttal to any…
Uncovering Flaws in FHA Appraisal & Loan Review Process The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws…

The post Bias and Discrimination in Reports, Yes or No? appeared on Appraisers Blogs.

Baltimore Racial Bias Lawsuit

Dave Towne — Mon, 29 Aug 2022 12:30:17 +0000

When reading over the Baltimore document, it appears painfully clear (to me) that there is a competency issue exposed. Folks, below is the Baltimore court paperwork for the latest appraiser bias suit that recently ‘hit the fan.’ This document is fairly specific, in that it reveals quite a lot about the two appraisals performed, including the home locations for the ‘comps’ used. The attorneys representing the plaintiffs are from the same Washington, D.C. firm that The Appraisal Foundation hired to examine USPAP. That firm was the one which has provided new ‘discrimination avoidance’ verbiage being considered in the USPAP Third...

Diatribes Against Appraisers What’s even more frustrating to me is none of the well-known appraiser organizations have offered any public rebuttal to any…
Promoting False "Racist Appraiser" Narrative Some Lenders promoting false "racist appraiser" narrative to optimize profits via AVMs Like most businesses lenders want to optimize their…
Fannie Mae Filed a Complaint Against Me An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a…

The post Baltimore Racial Bias Lawsuit appeared on Appraisers Blogs.

No End Date for Future Editions of USPAP

Dave Towne — Tue, 16 Aug 2022 12:30:23 +0000

Future editions of USPAP will have an effective start date but no end date. Folks, on Thursday August 11, 2022, the ASB/TAF announced the extension of the current USPAP to the end of 2023. Assuming that a ‘new’ USPAP is formally approved in time, the next issue of USPAP will become effective January 1, 2024. But here’s the interesting wrinkle about this, which I admit I missed in their 8/11/22 announcement: “How long is the current version of USPAP effective? With this announcement, the 2020-21 USPAP will now have an effective date through December 31, 2023. This is an additional...

TAF Charging for Misleading Classes From the organization that brought you the bat-shit crazy letter and the chickenshit letter, they are charging for classes that are misleading. ASC…
USPAP Absurdity From one of my appraiser colleagues in NYC on a McKissock class, taught by Dan Bradley, husband of Michelle Bradley…
Baltimore Racial Bias Lawsuit When reading over the Baltimore document, it appears painfully clear (to me) that there is a competency issue exposed. Folks,…

The post No End Date for Future Editions of USPAP appeared on Appraisers Blogs.

USPAP Third Exposure Draft

Dave Towne — Thu, 04 Aug 2022 12:30:49 +0000

…the Ethics Rule has been expanded with a new highly detailed Nondiscrimination section, which also affects the Competency Rule. Folks, the Appraisal Foundation’s Appraisal Standards Board released the THIRD Exposure Draft to USPAP on July 26, 2022. To be honest, I didn’t know there have been two previous Exposure Drafts. I would encourage you to download and print this Draft here. The PDF is also embedded below. It’s only 11 pages total. The key difference in this Draft is that the Ethics Rule has been expanded with a new highly detailed Nondiscrimination section, which also affects the Competency Rule. You...

USPAP is Unconstitutional? Gerald McNamara and Colleen Kudrick were admonished by the board in a five-count takedown. There is a lot of nuances…
New "Misleading" Definition Inviting Problems I perused the latest copy of USPAP and saw a new definition on the list: Misleading. While I appreciate the…
USPAP Definitions of 'His' and 'Her' The USPAP Exposure Draft Process Continues To Step Outside Their Purpose With Her / Him as the new ‘Misleading’ Debacle…

The post USPAP Third Exposure Draft appeared on Appraisers Blogs.

2022 7hr USPAP Update Course

Dave Towne — Thu, 09 Sep 2021 12:30:08 +0000

Appraisers, if your license renews in 2022, you will need to take the ‘new’ USPAP 7hr Update course. See below. The Update class you have already taken for the 2020-21 book, which has been extended to Dec. 31, 2022, cannot be used for CE credit again. However, I’m somewhat confused as to the effective dates of this ‘new’ Update class. It says “2022-23” which implies it will be valid through the end of (or into?) 2023. But the ‘current’ USPAP is presently undergoing Exposure Drafts for the proposed changes, which will be effective as of Jan. 1, 2023. Normally, the Update...

Advisory Opinion 16, a Game Changer? The Appraisal Foundation has issued an exposure draft for Advisory Opinion (AO) 16. Advisory Opinion 16 is Fair Housing Laws:…
The New & Improved Fannie Mae “FRAUDULATOR 2.0” Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie…
It’s Time to Take Out the Junk: AMC Practices Exposed Appraisers have spent years carrying the weight of broken AMC practices, and this article pulls every one of those practices…

The post 2022 7hr USPAP Update Course appeared on Appraisers Blogs.

Advisory Opinion 16, a Game Changer?

VaCAP Board — Mon, 08 Mar 2021 13:30:19 +0000

The Appraisal Foundation has issued an exposure draft for Advisory Opinion (AO) 16. Advisory Opinion 16 is Fair Housing Laws: Avoiding Bias in Real Property Appraisal and Appraisal Review Development and Reporting. Unlike other exposure drafts, the text of the AO opinion has been rewritten. The traditional strike through of word or phrase changes is nonexistent. The Appraisal Foundation acknowledges “the Advisory Opinion was extensively rewritten”. Comments on the changes are due to The Appraisal Foundation by March 31, 2021 via SurveyMonkey or email, asb@appraisalfoundation.org. Although an Advisory Opinion is not a standard of practice, it does express what is...

Blaming, Punishing Appraisers in State Laws Will the same states that do this for appraisers also mandate similar Fair Housing and Fair Lending courses for lenders,…
Fannie Mae Filed a Complaint Against Me An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a…
The Town With No Bank: How Rural America Lost Its… For decades, we’ve been told that the problem is demand. That people don’t want to live in rural America anymore.…

The post Advisory Opinion 16, a Game Changer? appeared on Appraisers Blogs.

Pending Future Changes in USPAP 2022-23

Dave Towne — Mon, 21 Dec 2020 13:30:41 +0000

The Appraisal Foundation / Appraisal Standards Board have released the 4th Exposure Draft to the FUTURE version (2022-23) of USPAP. I, like so many other ‘stakeholders’ and appraisers, have grown weary of the incessant Exposure Drafts and updates to our mandated PROTOCOL MANUAL, which for many years has been massaged and modified in various ways every 2 years. Largely because new members cycle onto the ASB every year or two. The constant updates has resulted into a continuing cash cow for the Appraisal Foundation / Appraisal Standards Board. But in actual use, that should not happen because USPAP is codified...

ASC, End the Foolishness Now End the constant ‘busy work’ USPAP updates. End the catering to lenders or ‘advisory’ councils. Appraisers are NOT supposed to…
USPAP Third Exposure Draft ...the Ethics Rule has been expanded with a new highly detailed Nondiscrimination section, which also affects the Competency Rule. Folks,…
The New & Improved Fannie Mae “FRAUDULATOR 2.0” Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie…

The post Pending Future Changes in USPAP 2022-23 appeared on Appraisers Blogs.

Mueller REO Hybrid Appraisal Report

VaCAP Board — Tue, 26 Mar 2019 12:30:58 +0000

Another Mueller Report has surfaced. The report is a Mueller REO Hybrid Appraisal Report and it was given to an appraiser as a sample. This one raises more questions than the last one! The photos from the property inspection do not tell the appraiser one thing. The photos are dark and the repairs the inspector states are needed, simply are not seen in the photos. It begs the question, does the appraiser have adequate information to complete a credible appraisal? Now take a look at the Mueller REO Hybrid Appraisal report. Pull up the report and follow along. Some things have...

Mueller Sample Report. You Decide! A recruiter for Mueller Services, Inc. (Mueller Reports) contacted a VaCAP member about joining their team as a W-2 employee…
I'd Be Better off at McDonalds ...they provide no documentation as to how their algorithm produces this indicated value... I had to "jump in the pool"…
Let Appraisers Train Their Own Inspectors If we are to make a third party inspector liable for the data they provide... FNMA's recent newsletter states that…

The post Mueller REO Hybrid Appraisal Report appeared on Appraisers Blogs.

Another Draft to a USPAP Draft!

Dave Towne — Wed, 13 Feb 2019 13:30:40 +0000

Well, don’t toss your reading bifocals in the wastebasket just yet. Apparently, there were so many negative issues with the THIRD exposure draft to the 2020-21 version of USPAP, that the ASB jettisoned it, and will move forward with a FOURTH draft. Everyone should be on their toes, ready to peruse this stellar document when it is released not long from now! Can’t we, please, establish a set of reliable and understandable procedures, and leave them in place for 5 years minimum? Please! Here’s the announcement issued on February 8, 2019, after the ASB meeting in Scottsdale, AZ: (From the Appraisal Foundation)...

The Town With No Bank: How Rural America Lost Its… For decades, we’ve been told that the problem is demand. That people don’t want to live in rural America anymore.…
The New & Improved Fannie Mae “FRAUDULATOR 2.0” Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie…
Uncovering Flaws in FHA Appraisal & Loan Review Process The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws…

The post Another Draft to a USPAP Draft! appeared on Appraisers Blogs.

What If the Algorithms Are Wrong?

VaCAP Board — Mon, 04 Feb 2019 13:30:29 +0000

Algorithms are everywhere… “Algorithms decide who gets a loan, who gets a job interview, who gets insurance and much more — but they don’t automatically make things fair. Mathematician and data scientist Cathy O’Neil coined a term for algorithms that are secret, important and harmful: “weapons of math destruction.” Learn more about the hidden agendas behind the formulas.” “Algorithms are opinions embedded in code. It’s really different from what you think most people think of algorithms. They think algorithms are objective and true and scientific. That’s a marketing trick. It’s also a marketing trick to intimidate you with algorithms, to...

Shifting Narrative of Appraisal Modernization ...the reasoning for changing the appraisal process has shifted... Is there are Crisis? Rahm Emanuel eloquently stated “You never let…
Increased Regulatory Persecution of Appraisers The current and proposed revised version of USPAP also opens the door to increased regulatory persecution of licensed and certified…
How to Destroy the Appraisal Profession Anytime the government gets involved in an issue, it tends to have more adverse effects than positive ones. It makes…

The post What If the Algorithms Are Wrong? appeared on Appraisers Blogs.

Increased Regulatory Persecution of Appraisers

Michael Ford — Tue, 22 Jan 2019 13:30:04 +0000

The current and proposed revised version of USPAP also opens the door to increased regulatory persecution of licensed and certified real estate appraisers, while leaving all others that opine about values with no constraints, rules or limitations. I was recently asked to consider a proposed change to USPAP. As received in my email: “Also this, in the 3rd exposure draft 239 The appraiser is not required to title an appraisal report using specific terminology because 240 USPAP compliance is measured by the substantive content of a report, not by what the 241 report is called. The use of labels such as analysis,...

TAF / ASB Challenge USPAP 30 days after implementation of the last changes, ASB/TAF is already admitting they think the current USPAP is inadequate and…
The Great Debate on Appraisal Fees She included several different fee split examples indicating AMCs retained as much as 70 percent of the total appraisal fee…
The Town With No Bank: How Rural America Lost Its… For decades, we’ve been told that the problem is demand. That people don’t want to live in rural America anymore.…

The post Increased Regulatory Persecution of Appraisers appeared on Appraisers Blogs.

Appraisers Take on Washington DC

VaCAP Board — Fri, 26 Oct 2018 12:30:42 +0000

Hybrids were a big topic & many regulators are concerned about their compliance… Independent Fee appraisers representing 15 different states were well represented in Washington DC this past weekend. Appraisers from Virginia, North Carolina, South Carolina, West Virginia, Ohio, Louisiana, California, Illinois, South Dakota, Michigan, Utah, Rhode Island, Delaware, Maryland and Washington State joined together in DC for several gatherings. To sum it up simply… Positive Unity among all. On Friday, three members of VaCAP attended the Appraisal Standards Board Meeting. This meeting was live streamed, so hopefully you were able to watch live. Lots of discussions on the proposed changes to the 2020-2021...

West Virginia Appraisal Board Scheme The Doomed Quest to Reform a corrupt West Virginia Licensing Board “Board members earn money working for a law firm…
Uncovering Flaws in FHA Appraisal & Loan Review Process The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws…
It’s Time to Take Out the Junk: AMC Practices Exposed Appraisers have spent years carrying the weight of broken AMC practices, and this article pulls every one of those practices…

The post Appraisers Take on Washington DC appeared on Appraisers Blogs.

If It’s Not an Appraisal, What Is It?

Dave Towne — Sat, 06 Oct 2018 12:30:22 +0000

…do away with specifically ‘naming’ an appraisal report as to the “type” it is… Folks, the Second Exposure Draft of proposed changes to the next USPAP was released by the Appraisal Standards Board on August 23. See embedded PDF below. The ASB is encouraging all users to review this document, and provide commentary back to them on/before October 10, 2018. One item of note is there is a proposal in the Draft to do away with specifically ‘naming’ an appraisal report as to the “type” it is. If it’s not an ‘appraisal’, what is it?? Currently we have “Appraisal Report”...

No End Date for Future Editions of USPAP Future editions of USPAP will have an effective start date but no end date. Folks, on Thursday August 11, 2022,…
The New & Improved Fannie Mae “FRAUDULATOR 2.0” Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie…
USPAP’s Typical Buyer Standard in the Fair Housing Era The Irreconcilable Conflict Between USPAP's Typical Buyer Standard and the Current Fair Housing Compliance Regime. Retain this document as a…

The post If It’s Not an Appraisal, What Is It? appeared on Appraisers Blogs.

At or During?

Dave Towne — Mon, 23 Jul 2018 12:30:50 +0000

“At the time of assignment” refers to the time period commencing… Last month, the Appraisal Standards Board (ASB) provided the ‘first draft’ of the proposed changes to the 2020-21 USPAP, which I circulated. One of the points they mentioned is a goal to make USPAP easier to read and more understandable. OK, commendable. Then on June 27, 2018, the Appraisal Foundation and the ASB released the latest USPAP Q&A “suggestions.” (The USPAP Q&A’s, AO’s, and FAQ’s are not directives, or even a ‘legal’ part of USPAP. Instead, they offer independent commentary on how a particular issue could be handled or solved, but may...

The New & Improved Fannie Mae “FRAUDULATOR 2.0” Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie…
Fannie Mae Filed a Complaint Against Me An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a…
It’s Time to Take Out the Junk: AMC Practices Exposed Appraisers have spent years carrying the weight of broken AMC practices, and this article pulls every one of those practices…

The post At or During? appeared on Appraisers Blogs.

Are Bifurcated Appraisals Legal in Your State?

VaCAP Board — Mon, 09 Jul 2018 12:30:47 +0000

Lately there has been a push for bifurcated (hybrid) appraisal products. Those promoting these questionable products claim it will reduce the amount of time to obtain an appraisal. Most appraisers are screaming foul play, and for good reason. It is because of bad players doing questionable things that licensing became mandatory in Virginia. Mandatory. Licensing of appraisers protects the public trust. We all know splitting the process will not save time, but rather create delays. The only reason for this questionable product is the profit of the amc, nothing more. And then there is the quality of the information being...

$50 to $100 Hybrids? Here’s the sales pitch being sent to appraisers: MCSV is currently offering a distinct hybrid product to our clients that…
Liability Risks of Hybrid Appraisals "Hybrid Appraisals" - Speaking about the Liability Risks to Appraisers and Others at The Appraisal Foundation's Joint Council Meeting "Hybrid…
100% Liability for Information Relied Upon ...courts have ruled if the information is included in the report and relied upon, the appraiser is responsible for the…

The post Are Bifurcated Appraisals Legal in Your State? appeared on Appraisers Blogs.

Ain’t No Way to Run a Railroad

Dave Towne — Tue, 26 Jun 2018 12:30:41 +0000

Appraisers get frustrated with the constant changes and revisions every two years… Folks, attached is the 1st Exposure Draft of changes to the NEXT “bible” of our industry. Read this over and then send in your comments per the instructions. With this draft, the ASB is desiring to simplify much of the document to make it easier to read and understand. There are numerous proposed edits you’ll see when you read it. They explain their rationale for the changes. This is appreciated. I’m also glad to see they have added to the Definitions the words “State” and “Summarize” which have...

The Great Debate on Appraisal Fees She included several different fee split examples indicating AMCs retained as much as 70 percent of the total appraisal fee…
USPAP Third Exposure Draft ...the Ethics Rule has been expanded with a new highly detailed Nondiscrimination section, which also affects the Competency Rule. Folks,…
Uncovering Flaws in FHA Appraisal & Loan Review Process The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws…

The post Ain’t No Way to Run a Railroad appeared on Appraisers Blogs.

Exposure Draft - Appraisers Blogs

When ‘Protected’ Becomes Pressure: You Have Until July 27 to Object

Related Posts:

Disparate Treatment and Impact in USPAP

Related Posts:

AQB Initial Fair Housing Course

Related Posts:

Confusing Language for USPAP Ethics Rule Addition

Related Posts:

Bias and Discrimination in Reports, Yes or No?

Related Posts:

Baltimore Racial Bias Lawsuit

Related Posts:

No End Date for Future Editions of USPAP

Related Posts:

USPAP Third Exposure Draft

Related Posts:

2022 7hr USPAP Update Course

Related Posts:

Advisory Opinion 16, a Game Changer?

Related Posts:

Pending Future Changes in USPAP 2022-23

Related Posts:

Mueller REO Hybrid Appraisal Report

Related Posts:

Another Draft to a USPAP Draft!

Related Posts:

What If the Algorithms Are Wrong?

Related Posts:

Increased Regulatory Persecution of Appraisers

Related Posts:

Appraisers Take on Washington DC

Related Posts:

If It’s Not an Appraisal, What Is It?

Related Posts:

At or During?

Related Posts:

Are Bifurcated Appraisals Legal in Your State?

Related Posts:

Ain’t No Way to Run a Railroad

Related Posts: