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<site xmlns="com-wordpress:feed-additions:1">52046035</site>	<item>
		<title>Systemic Failures in FHA Appraisal and Loan Review</title>
		<link>https://appraisersblogs.com/systemic-failures-in-fha-appraisal-n-loan-review/</link>
					<comments>https://appraisersblogs.com/systemic-failures-in-fha-appraisal-n-loan-review/#comments</comments>
		
		<dc:creator><![CDATA[Desiree Mehbod]]></dc:creator>
		<pubDate>Mon, 18 May 2026 12:30:44 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=33401</guid>

					<description><![CDATA[<p>This case exposed the cracks in an FHA system where failures by the lender, the AMC, and the review process aligned in ways that no borrower could have anticipated. It shows how easily an appraisal error can escalate when every safeguard designed to prevent harm breaks down at the same time. When the first article about this case ran on July 15, 2024, it already raised serious concerns about how an FHA appraisal could miss something as basic as the type of water and sewer service. What has emerged since then paints a much larger picture, one that shows how&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/uncovering-flaws-in-fha-appraisal-n-loan-review-process/"     class="crp_link post-31044"><span class="crp_title">Uncovering Flaws in FHA Appraisal & Loan Review Process</span></a><span class="crp_excerpt"> The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws&hellip;</span></li>
<li><a href="https://appraisersblogs.com/hud-investigation-leads-to-illegal-break-in-n-evidence-tampering/"     class="crp_link post-32597"><span class="crp_title">HUD Investigation Leads to Illegal Break-In &&hellip;</span></a><span class="crp_excerpt"> Over the past four years, I have been subjected to a relentless, unjust investigation by the U.S. Department of Housing&hellip;</span></li>
<li><a href="https://appraisersblogs.com/lack-of-fee-transparency-exposing-the-amc-exploitation/"     class="crp_link post-31182"><span class="crp_title">Lack of Fee Transparency: Exposing the AMC Exploitation</span></a><span class="crp_excerpt"> By keeping the borrower in the dark about the true cost of the appraisal, the AMCs are able to charge&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/systemic-failures-in-fha-appraisal-n-loan-review/">Systemic Failures in FHA Appraisal and Loan Review</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>39</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">33401</post-id>	</item>
		<item>
		<title>The New Con: Hybrids, Waivers &#038; AMCs Threaten Public Trust</title>
		<link>https://appraisersblogs.com/the-new-con-hybrids-waivers-amcs-threaten-public-trust/</link>
					<comments>https://appraisersblogs.com/the-new-con-hybrids-waivers-amcs-threaten-public-trust/#comments</comments>
		
		<dc:creator><![CDATA[VaCAP Board]]></dc:creator>
		<pubDate>Mon, 16 Dec 2024 13:30:39 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=31628</guid>

					<description><![CDATA[<p>Hybrid Appraisals, Appraisal Waivers and Appraisal Management Companies are the new Con.&#160; Last month marked the 7-year anniversary of Appraiser Fest. The conference was truly like nothing that had been done before. It was organized by appraisers for appraisers. The agenda was more about bringing the profession together and protecting the public trust. Appraiser Fest was not about promoting the profit of others at the expense of appraisers; nor was it about hiding the unchecked facts of fraud and ill doings against consumers. It was about public awareness and trust. It all started with a renewed sense of energy with&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/appraisal-waivers-expansion-fhfa-risky-move/"     class="crp_link post-31474"><span class="crp_title">FHFA's Appraisal Waivers Expansion</span></a><span class="crp_excerpt"> The Federal Housing Finance Agency's (FHFA) recent push to expand the use of appraisal waivers represents a concerning and potentially&hellip;</span></li>
<li><a href="https://appraisersblogs.com/amc-hires-a-convicted-felon-as-property-data-collector"     class="crp_link post-29357"><span class="crp_title">AMC Hires a Convicted Felon as Property Data Collector</span></a><span class="crp_excerpt"> The recent case of Paschal Uchendu, a convicted felon awaiting sentencing for orchestrating a $1.2 million armed robbery of a&hellip;</span></li>
<li><a href="https://appraisersblogs.com/appraisal-regulation-compliance-council-exposes-disturbing-amc-violations/"     class="crp_link post-31311"><span class="crp_title">Appraisal Regulation Compliance Council Exposes&hellip;</span></a><span class="crp_excerpt"> The Appraisal Regulation Compliance Council published a detailed breakdown to the CFPB, which showed the median average AMC fee being&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/the-new-con-hybrids-waivers-amcs-threaten-public-trust/">The New Con: Hybrids, Waivers &#038; AMCs Threaten Public Trust</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>66</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">31628</post-id>	</item>
		<item>
		<title>Is a Horde of Deadbeat Borrowers Again Walking Among Us?</title>
		<link>https://appraisersblogs.com/is-a-horde-of-deadbeat-borrowers-again-walking-among-us/</link>
					<comments>https://appraisersblogs.com/is-a-horde-of-deadbeat-borrowers-again-walking-among-us/#comments</comments>
		
		<dc:creator><![CDATA[Jeremy Bagott]]></dc:creator>
		<pubDate>Mon, 04 Nov 2024 13:30:44 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=31500</guid>

					<description><![CDATA[<p>There are signs of a new horde of deadbeat borrowers, but the foreclosure filings are being delayed and masked by the government itself. Some of the current deadbeat borrowers will learn to expertly work the system&#8230;&#160; In 2022, a San Ramon, California, couple who hadn’t made a mortgage payment since 2009 was finally evicted. Anita and Mahesh Khurana had put on a masterclass in the use of the courts to keep foreclosure at bay. The holdouts had lived in their home payment-free for 13 years. A state court finally ruled they had exhausted all appeals, and they were ejected. In&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/fannie-mae-2-state-of-maryland-drop-dead/"     class="crp_link post-30755"><span class="crp_title">Fannie Mae to Maryland: DROP DEAD</span></a><span class="crp_excerpt"> Mortgage giant Fannie Mae and her twin, Freddie Mac, have a message for the State of Maryland: Kindly disintegrate. A&hellip;</span></li>
<li><a href="https://appraisersblogs.com/home-prices-soar-amid-the-censorship-campaign-of-appraisers/"     class="crp_link post-31274"><span class="crp_title">Objectionable Valuations Become Hate Speech,&hellip;</span></a><span class="crp_excerpt"> The censorship, scapegoating and sidelining of appraisers has done real damage to borrowers and the purchasers of bonds...&nbsp; Attacks on&hellip;</span></li>
<li><a href="https://appraisersblogs.com/appraisal-waivers-expansion-fhfa-risky-move/"     class="crp_link post-31474"><span class="crp_title">FHFA's Appraisal Waivers Expansion</span></a><span class="crp_excerpt"> The Federal Housing Finance Agency's (FHFA) recent push to expand the use of appraisal waivers represents a concerning and potentially&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/is-a-horde-of-deadbeat-borrowers-again-walking-among-us/">Is a Horde of Deadbeat Borrowers Again Walking Among Us?</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>9</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">31500</post-id>	</item>
		<item>
		<title>How Deep Fakes Have Burrowed Into Home Finance</title>
		<link>https://appraisersblogs.com/how-synthetic-appraisals-fuel-a-fraud-filled-housing-bubble/</link>
					<comments>https://appraisersblogs.com/how-synthetic-appraisals-fuel-a-fraud-filled-housing-bubble/#comments</comments>
		
		<dc:creator><![CDATA[Jeremy Bagott]]></dc:creator>
		<pubDate>Mon, 14 Oct 2024 12:30:11 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=31415</guid>

					<description><![CDATA[<p>Fannie and Freddie have been toiling at the coalface of “synthetic appraisals” – “black box valuations.”&#160; In the 1960s, technocrats at the Pentagon used the latest IBM mainframe computers to analyze complex data related to the Vietnam War. Planners fed punch cards into the machines and ran endless simulations, hoping to determine strategies for winning the war. In 1967, analysts finally asked the computer, “When will we win in Vietnam?” The machine’s answer: “You won in 1965.” It exposed the hubris and naiveté of those who believed computer-generated models could capture and quantify millions of complex human interactions on the&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/home-prices-soar-amid-the-censorship-campaign-of-appraisers/"     class="crp_link post-31274"><span class="crp_title">Objectionable Valuations Become Hate Speech,&hellip;</span></a><span class="crp_excerpt"> The censorship, scapegoating and sidelining of appraisers has done real damage to borrowers and the purchasers of bonds...&nbsp; Attacks on&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-2-state-of-maryland-drop-dead/"     class="crp_link post-30755"><span class="crp_title">Fannie Mae to Maryland: DROP DEAD</span></a><span class="crp_excerpt"> Mortgage giant Fannie Mae and her twin, Freddie Mac, have a message for the State of Maryland: Kindly disintegrate. A&hellip;</span></li>
<li><a href="https://appraisersblogs.com/uncovering-flaws-in-fha-appraisal-n-loan-review-process/"     class="crp_link post-31044"><span class="crp_title">Uncovering Flaws in FHA Appraisal & Loan Review Process</span></a><span class="crp_excerpt"> The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/how-synthetic-appraisals-fuel-a-fraud-filled-housing-bubble/">How Deep Fakes Have Burrowed Into Home Finance</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>25</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">31415</post-id>	</item>
		<item>
		<title>Foreclosures in Black Communities Due to Overvaluation</title>
		<link>https://appraisersblogs.com/foreclosures-in-black-communities-due-to-overvaluation/</link>
					<comments>https://appraisersblogs.com/foreclosures-in-black-communities-due-to-overvaluation/#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Thu, 11 Jan 2024 13:30:49 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=30205</guid>

					<description><![CDATA[<p>What were the results? Most had foreclosures. They bought a house worth much less than they paid for it and never planned or budgeted to make a mortgage payment in the first place.&#160; About 2 years before the crash of ‘08, I ran across a company out of DC called “Metro Grapevine” and “Metro Dream Homes.” It was a Ponzi scheme marketed by a black to blacks only. It was by invitation only. They promised if you bought your home through their program, they’d pay it off in seven years and you never had to make a payment. The requirement&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
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<li><a href="https://appraisersblogs.com/appraiser-bias-allegations-unmask-nonbank-lenders-debt-traps"     class="crp_link post-27674"><span class="crp_title">Appraiser Bias Allegations Unmask Debt Traps</span></a><span class="crp_excerpt"> Claims of tainted appraisal unmask something else... the renewed “churning” of mortgages by nonbank lenders. Convinced racism torpedoed valuations in&hellip;</span></li>
<li><a href="https://appraisersblogs.com/only-blacks-need-apply-in-the-spirit-of-equity-gses-housing-pilot-programs"     class="crp_link post-27236"><span class="crp_title">Only Blacks Need Apply... In the Spirit of Equity</span></a><span class="crp_excerpt"> Fannie makes its subsidies for blacks explicit, but they don’t appear to extend to other racial groups such as Hispanics&hellip;</span></li>
<li><a href="https://appraisersblogs.com/the-real-cause-of-the-home-value-gap-is-the-income-gap"     class="crp_link post-28636"><span class="crp_title">The Real Cause of the Home Value Gap Is the Income Gap</span></a><span class="crp_excerpt"> Blaming appraisers for the income gap will never solve the real underlying problem... Blaming appraisers for the income gap is&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/foreclosures-in-black-communities-due-to-overvaluation/">Foreclosures in Black Communities Due to Overvaluation</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>13</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">30205</post-id>	</item>
		<item>
		<title>Appraisal Bias &#8211; A Counterpoint</title>
		<link>https://appraisersblogs.com/appraisal-bias-a-counterpoint/</link>
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		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Wed, 09 Aug 2023 12:30:01 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=29843</guid>

					<description><![CDATA[<p>It is a fact that 85% of appraisers are white with the majority of them being middle-age white men, although that is rapidly changing. The bias argument presupposes they are inherently more biased than women, Hispanic, African American, Asian, Pacific-islander, etc. We simply don’t have enough data to verify whether this is true or not. Therefore, as the argument goes, white appraisers must be biased. Just as there are more black NFL players in professional football it follows that the majority of touchdowns will be scored and fumbles made by a black player. We can, and should, encourage more diversity&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/the-scam-of-racial-discrimination-by-appraisers"     class="crp_link post-29416"><span class="crp_title">The Scam of Racial Discrimination by Appraisers</span></a><span class="crp_excerpt"> More and more appraisers are retiring every day. Aside from that more and more are changing to lower liability careers.&hellip;</span></li>
<li><a href="https://appraisersblogs.com/why-is-only-one-side-of-the-racism-claim-appraisal-story-being-reported"     class="crp_link post-24532"><span class="crp_title">Why is Only One Side of This Story Being Told?</span></a><span class="crp_excerpt"> There are always two sides to every story; however, understanding is a three-edged sword: your side, their side, and the&hellip;</span></li>
<li><a href="https://appraisersblogs.com/freddies-study-npr-story-recall-notable-academic-hoax"     class="crp_link post-28822"><span class="crp_title">Freddie's Study, NPR Story Recall Notable Academic Hoax</span></a><span class="crp_excerpt"> NPR topped the online edition of its article with the headline, “Black and Latino Homeowners are About Twice as Likely&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/appraisal-bias-a-counterpoint/">Appraisal Bias &#8211; A Counterpoint</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>14</slash:comments>
		
		<enclosure url="https://appraisersblogs.com/wp-content/uploads/2023/08/Appraisal-Bias-–-A-Counterpoint.mp3" length="0" type="audio/mpeg" />

		<post-id xmlns="com-wordpress:feed-additions:1">29843</post-id>	</item>
		<item>
		<title>Dazzled by Wizardry, Federal Mortgage Regulators Ignore Zillow Debacle</title>
		<link>https://appraisersblogs.com/dazzled-by-wizardry-federal-mortgage-regulators-ignore-zillow-debacle</link>
					<comments>https://appraisersblogs.com/dazzled-by-wizardry-federal-mortgage-regulators-ignore-zillow-debacle#comments</comments>
		
		<dc:creator><![CDATA[Jeremy Bagott]]></dc:creator>
		<pubDate>Mon, 12 Jun 2023 12:30:18 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=29586</guid>

					<description><![CDATA[<p>This rulemaking is one more sign that federal bureaucrats are all in on a whacky plan to use technical wizardry to tease out the value of individual properties across the country&#8230; Secretary of Defense Robert McNamara was a committed technocrat. Under his direction, a team of policy advisors descended into the Pentagon’s cavernous basement in 1967. They fed punch cards into the basement’s IBM mainframe computers with everything that could be quantified about the Vietnam War. Numbers of ships, tanks, transport helicopters, gunships, fixed-wing aircraft, artillery, troop strength, machine guns, ammo. They queried the computers, “What year will we win&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/avms-garbage-data-in-means-garbage-results-out-every-time"     class="crp_link post-28989"><span class="crp_title">AVMs... Garbage In, Garbage Out</span></a><span class="crp_excerpt"> Garbage data in means garbage results out every time!&nbsp; It's no secret that AVMs have been a thorn in the&hellip;</span></li>
<li><a href="https://appraisersblogs.com/automated-valuation-models-avms-the-not-so-accurate-magic-bullet"     class="crp_link post-28105"><span class="crp_title">AVMs... The Not So Accurate Magic Bullet</span></a><span class="crp_excerpt"> That article mentioned three on-line services which claim to provide accurate property values. In alphabetical order, those services were REDFIN,&hellip;</span></li>
<li><a href="https://appraisersblogs.com/the-new-improved-fannie-mae-fraudulator-2-is-an-outright-fraud"     class="crp_link post-29449"><span class="crp_title">The New & Improved Fannie Mae “FRAUDULATOR 2.0”</span></a><span class="crp_excerpt"> Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/dazzled-by-wizardry-federal-mortgage-regulators-ignore-zillow-debacle">Dazzled by Wizardry, Federal Mortgage Regulators Ignore Zillow Debacle</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>17</slash:comments>
		
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		<post-id xmlns="com-wordpress:feed-additions:1">29586</post-id>	</item>
		<item>
		<title>Appraiser Bias Allegations Unmask Debt Traps</title>
		<link>https://appraisersblogs.com/appraiser-bias-allegations-unmask-nonbank-lenders-debt-traps</link>
					<comments>https://appraisersblogs.com/appraiser-bias-allegations-unmask-nonbank-lenders-debt-traps#comments</comments>
		
		<dc:creator><![CDATA[Jeremy Bagott]]></dc:creator>
		<pubDate>Fri, 02 Sep 2022 12:30:33 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=27674</guid>

					<description><![CDATA[<p>Claims of tainted appraisal unmask something else&#8230; the renewed “churning” of mortgages by nonbank lenders. Convinced racism torpedoed valuations in their home refinancings, the owners of three properties in the San Francisco Bay Area told their stories to Julian Glover, a reporter who covers the race, culture and social justice beat for ABC’s San Francisco affiliate. Similar claims of tainted appraisals have surfaced in Philadelphia, Chicago and, more recently, Maryland. A civil lawsuit was filed in one of the cases in a federal district court. A claim was dismissed Wednesday based on a flaw unrelated to the case’s core allegation&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/anti-appraiser-agenda-follow-the-money"     class="crp_link post-26434"><span class="crp_title">Anti-Appraiser Agenda</span></a><span class="crp_excerpt"> Money may have been used to buy influence and promote the current anti-appraiser narrative being embraced by key public servants&hellip;</span></li>
<li><a href="https://appraisersblogs.com/how-rural-america-lost-its-mortgage-lifeline/"     class="crp_link post-33012"><span class="crp_title">The Town With No Bank: How Rural America Lost Its&hellip;</span></a><span class="crp_excerpt"> For decades, we’ve been told that the problem is demand. That people don’t want to live in rural America anymore.&hellip;</span></li>
<li><a href="https://appraisersblogs.com/security-bars-removal-law-debunks-alleged-racial-discrimination/"     class="crp_link post-31010"><span class="crp_title">Security Bars Removal Law Debunks Alleged Racial&hellip;</span></a><span class="crp_excerpt"> Complainant stated appraiser told them they should remove security bars from windows. Complainant stated this is evidence of "racist discrimination"...&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/appraiser-bias-allegations-unmask-nonbank-lenders-debt-traps">Appraiser Bias Allegations Unmask Debt Traps</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>10</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">27674</post-id>	</item>
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		<title>Only Blacks Need Apply&#8230; In the Spirit of Equity</title>
		<link>https://appraisersblogs.com/only-blacks-need-apply-in-the-spirit-of-equity-gses-housing-pilot-programs</link>
					<comments>https://appraisersblogs.com/only-blacks-need-apply-in-the-spirit-of-equity-gses-housing-pilot-programs#comments</comments>
		
		<dc:creator><![CDATA[AppraisersBlogs]]></dc:creator>
		<pubDate>Fri, 17 Jun 2022 12:30:18 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=27236</guid>

					<description><![CDATA[<p>Fannie makes its subsidies for blacks explicit, but they don’t appear to extend to other racial groups such as Hispanics and Asians. Low-income white borrowers are also excluded. Last week, Fannie Mae &#38; Freddie Mac announced actions that aim to make it easier to buy a home and close the racial homeownership gap. Their Equitable Housing Finance Plan for 2022-2024 outlines a range of pilot programs that remove barriers blacks face when buying or renting, and keeping homeowners and renters at home: Valuation Modernization aims to support an equitable appraisal process for Black households and communities of color Expand Appraiser&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/meet-the-honest-appraisers-whose-warnings-should-have-prevented-great-financial-crisis"     class="crp_link post-24311"><span class="crp_title">Honest Appraisers Who Risked Their Careers</span></a><span class="crp_excerpt"> Meet the Honest Appraisers Whose Warnings Should Have Prevented the Great Financial Crisis The honest appraisers’ warning was ideal. It&hellip;</span></li>
<li><a href="https://appraisersblogs.com/how-rural-america-lost-its-mortgage-lifeline/"     class="crp_link post-33012"><span class="crp_title">The Town With No Bank: How Rural America Lost Its&hellip;</span></a><span class="crp_excerpt"> For decades, we’ve been told that the problem is demand. That people don’t want to live in rural America anymore.&hellip;</span></li>
<li><a href="https://appraisersblogs.com/is-the-gses-appraisal-modernization-really-just-mass-appraisal/"     class="crp_link post-30451"><span class="crp_title">Is the GSE's "Appraisal Modernization" Really Just&hellip;</span></a><span class="crp_excerpt"> Mass Appraisal tend to exhibit a regressive nature...&nbsp; In the intricate landscape of real estate mortgage financing, the notion of&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/only-blacks-need-apply-in-the-spirit-of-equity-gses-housing-pilot-programs">Only Blacks Need Apply&#8230; In the Spirit of Equity</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>43</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">27236</post-id>	</item>
		<item>
		<title>First Known Racial Bias Court Case Against Appraiser</title>
		<link>https://appraisersblogs.com/first-known-racial-bias-court-case-against-appraiser-this-may-turn-out-2-b-the-bellwether-test-case</link>
					<comments>https://appraisersblogs.com/first-known-racial-bias-court-case-against-appraiser-this-may-turn-out-2-b-the-bellwether-test-case#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 14 Apr 2022 12:30:52 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=26681</guid>

					<description><![CDATA[<p>It may mean that this will turn out to be the bellwether test case for other similar lawsuits against appraisers&#8230; Folks, a San Francisco, CA US District Court Judge has ruled that the bias suit against an appraiser can proceed. This link has the story: Judge finds plausible race discrimination in Black couple’s lawsuit over lowball appraisal &#124; Courthouse News Service Appraiser Janette Miller with Miller and Perotti Real Estate Appraisers was hired by appraisal services company AMC Links to do the inspection in January 2020. The Austins’ lawsuit, filed this past December, claims Miller valued their home at $995,500&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/nar-paints-a-different-picture-appraisers-among-the-least-discriminatory-practices"     class="crp_link post-26395"><span class="crp_title">NAR Report Paints a Different Picture</span></a><span class="crp_excerpt"> The study also shows the appraisal was the LOWEST scored item on the list of discriminatory practices... On February 23,&hellip;</span></li>
<li><a href="https://appraisersblogs.com/low-appraised-value-n-allegations-of-racial-discrimination"     class="crp_link post-25472"><span class="crp_title">Low Appraised Value = Racial Bias?</span></a><span class="crp_excerpt"> When the appraised value didn’t meet the sale price, the first assumption was that the appraiser conspired to lower the&hellip;</span></li>
<li><a href="https://appraisersblogs.com/is-there-systemic-racism-in-appraising-n-where-is-the-evidence"     class="crp_link post-25891"><span class="crp_title">Is There Systemic Racism in Appraising?</span></a><span class="crp_excerpt"> Brian Stevens of NREP questions why no evidence has been put forward to support systemic racism in appraising. He proposes&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/first-known-racial-bias-court-case-against-appraiser-this-may-turn-out-2-b-the-bellwether-test-case">First Known Racial Bias Court Case Against Appraiser</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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		<post-id xmlns="com-wordpress:feed-additions:1">26681</post-id>	</item>
		<item>
		<title>Open Letter to Mortgage Lenders</title>
		<link>https://appraisersblogs.com/open-letter-2-mortgage-lenders-your-appraisal-management-company</link>
					<comments>https://appraisersblogs.com/open-letter-2-mortgage-lenders-your-appraisal-management-company#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Wed, 27 Jan 2021 13:30:47 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=24898</guid>

					<description><![CDATA[<p>How much vetting have you done on the appraisal management company? How involved are you as the lender in the day to day activities of the appraisal management company?&#8230; The world has changed and most everything in our lives involves technology. The technologies available to each of us are tools. They are not a more reliable means, merely more convenient. Human thought and analysis is still required in every aspect of life. When the Final Rules of the Dodd Frank Legislation went into effect, many lenders chose to use appraisal management companies with the false idea they had no liability for&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
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<ul>
<li><a href="https://appraisersblogs.com/the-appraisal-fee-debate-exposing-the-amc-fee-deception/"     class="crp_link post-31465"><span class="crp_title">The Great Debate on Appraisal Fees</span></a><span class="crp_excerpt"> She included several different fee split examples indicating AMCs retained as much as 70 percent of the total appraisal fee&hellip;</span></li>
<li><a href="https://appraisersblogs.com/the-new-improved-fannie-mae-fraudulator-2-is-an-outright-fraud"     class="crp_link post-29449"><span class="crp_title">The New & Improved Fannie Mae “FRAUDULATOR 2.0”</span></a><span class="crp_excerpt"> Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie&hellip;</span></li>
<li><a href="https://appraisersblogs.com/uncovering-flaws-in-fha-appraisal-n-loan-review-process/"     class="crp_link post-31044"><span class="crp_title">Uncovering Flaws in FHA Appraisal & Loan Review Process</span></a><span class="crp_excerpt"> The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/open-letter-2-mortgage-lenders-your-appraisal-management-company">Open Letter to Mortgage Lenders</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>22</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24898</post-id>	</item>
		<item>
		<title>7 Myths of the Great Financial Crisis</title>
		<link>https://appraisersblogs.com/seven-myths-of-the-great-financial-crisis-n-the-elite-fraud-schemes</link>
					<comments>https://appraisersblogs.com/seven-myths-of-the-great-financial-crisis-n-the-elite-fraud-schemes#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Wed, 23 Sep 2020 12:30:40 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[appraisal fraud]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[blacklist]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[fraudulent loans]]></category>
		<category><![CDATA[Petition]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=24422</guid>

					<description><![CDATA[<p>1. Fraud is a distraction Elite fraud and predation drove the Great Financial Crisis (GFC). By 2006, about 40% of all the mortgage loans made that year were “liar’s” loans – loans that did not verify the borrower’s income. The mortgage industry’s own anti-fraud experts (MARI) warned that the fraud incidence in these loans was 90%. In response, the industry rapidly increased its liar’s loans. In 2006, the industry made over one million fraudulent liar’s loans. Thomas Herndon’s 2017 study found those loans produced 70% of the mortgage losses. Liar’s loans hyper-inflated the bubble, increasing over 800% from 2003-2006. State&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/uncovering-flaws-in-fha-appraisal-n-loan-review-process/"     class="crp_link post-31044"><span class="crp_title">Uncovering Flaws in FHA Appraisal & Loan Review Process</span></a><span class="crp_excerpt"> The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws&hellip;</span></li>
<li><a href="https://appraisersblogs.com/top-dei-bosses-at-financial-institutions-have-a-problem-diversity"     class="crp_link post-28072"><span class="crp_title">Top DEI Bosses Have a Problem - Diversity</span></a><span class="crp_excerpt"> The ranks of the new DEI bosses at the financial institutions are no more diverse than the appraisers their institutions&hellip;</span></li>
<li><a href="https://appraisersblogs.com/uspap-typical-buyer-standard-in-the-fair-housing-era/"     class="crp_link post-33420"><span class="crp_title">USPAP’s Typical Buyer Standard in the Fair Housing Era</span></a><span class="crp_excerpt"> The Irreconcilable Conflict Between USPAP's Typical Buyer Standard and the Current Fair Housing Compliance Regime. Retain this document as a&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/seven-myths-of-the-great-financial-crisis-n-the-elite-fraud-schemes">7 Myths of the Great Financial Crisis</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>4</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24422</post-id>	</item>
		<item>
		<title>Honest Appraisers Who Risked Their Careers</title>
		<link>https://appraisersblogs.com/meet-the-honest-appraisers-whose-warnings-should-have-prevented-great-financial-crisis</link>
					<comments>https://appraisersblogs.com/meet-the-honest-appraisers-whose-warnings-should-have-prevented-great-financial-crisis#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Mon, 31 Aug 2020 12:30:37 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[appraisal fraud]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[blacklist]]></category>
		<category><![CDATA[Consumer protection]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[fraudulent loans]]></category>
		<category><![CDATA[Wall Street]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=24311</guid>

					<description><![CDATA[<p>Meet the Honest Appraisers Whose Warnings Should Have Prevented the Great Financial Crisis The honest appraisers’ warning was ideal. It was timely, blunt, courageous, and unambiguous. If the regulators had acted on the warning, there would have been no Great Financial Crisis (GFC). Unfortunately, the Presidents Clinton and Bush (II) appointed financial regulators because they were anti-regulators, so they ignored the appraisers’ warning. From 2000 to 2007, a coalition of appraisal organizations … delivered to Washington officials a public petition; signed by 11,000 appraisers&#8230; [I]t charged that lenders were pressuring appraisers to place artificially high prices on properties [and] “blacklisting&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/appraisal/real-estate-appraisers-warned-us-about-the-crisis-but-we-didnt-listen/"     class="crp_link post-4855"><span class="crp_title">Appraisers Warned Us but We Didn't Listen</span></a><span class="crp_excerpt"> Federal actors could have responded to the appraisers’ warning and prevented the crisis On July 9, 2013 I participated in&hellip;</span></li>
<li><a href="https://appraisersblogs.com/the-con-series-wall-street-greed-n-end-of-corelogic"     class="crp_link post-24122"><span class="crp_title">The Con, The American Dream Dies...</span></a><span class="crp_excerpt"> The Con is a 5-part series in-depth investigation into the 2008 financial crisis. If you attended the Appraisers Economic Forum,&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-filed-a-complaint-against-me/"     class="crp_link post-30011"><span class="crp_title">Fannie Mae Filed a Complaint Against Me</span></a><span class="crp_excerpt"> An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/meet-the-honest-appraisers-whose-warnings-should-have-prevented-great-financial-crisis">Honest Appraisers Who Risked Their Careers</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>4</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24311</post-id>	</item>
		<item>
		<title>The Con, We Were All Sold a LIE</title>
		<link>https://appraisersblogs.com/the-con-we-were-all-sold-a-lie/</link>
					<comments>https://appraisersblogs.com/the-con-we-were-all-sold-a-lie/#comments</comments>
		
		<dc:creator><![CDATA[AppraisersBlogs]]></dc:creator>
		<pubDate>Mon, 03 Aug 2020 12:30:48 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[appraisal fraud]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[blacklist]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[Wall Street]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=24220</guid>

					<description><![CDATA[<p>The Con, a 5 part docu-series premiering August 5, 2020 at 8pm EDT, is an in-depth investigation into the 2008 financial crisis nine years in the making. Through interviews with regulators, former officials, foreclosure victims, industry whistleblowers, and journalists, THE CON connects the dots to what America used to be and where we’re headed in 2020, as nearly 40 million Americans are currently claiming unemployment. Stay tuned for a live conversation with the filmmakers and voices from THE CON after the screening. William Black: &#8220;Most things viewers “know” about the Great Financial Crisis (GFC) are false&#8230;. The GFC was not&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/the-con-series-wall-street-greed-n-end-of-corelogic"     class="crp_link post-24122"><span class="crp_title">The Con, The American Dream Dies...</span></a><span class="crp_excerpt"> The Con is a 5-part series in-depth investigation into the 2008 financial crisis. If you attended the Appraisers Economic Forum,&hellip;</span></li>
<li><a href="https://appraisersblogs.com/corelogic-maintaining-landsafe-amc-tricks"     class="crp_link post-18991"><span class="crp_title">'Spray on Tan' Was Never An Option</span></a><span class="crp_excerpt"> His legacy of his Landsafe AMC still lives today within CoreLogic... During the housing bubble, I remember thinking about how&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-filed-a-complaint-against-me/"     class="crp_link post-30011"><span class="crp_title">Fannie Mae Filed a Complaint Against Me</span></a><span class="crp_excerpt"> An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/the-con-we-were-all-sold-a-lie/">The Con, We Were All Sold a LIE</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>11</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24220</post-id>	</item>
		<item>
		<title>Playing Fast and Loose With Credit?</title>
		<link>https://appraisersblogs.com/CFBP-2-eliminate-debt-2-income-requirement</link>
					<comments>https://appraisersblogs.com/CFBP-2-eliminate-debt-2-income-requirement#comments</comments>
		
		<dc:creator><![CDATA[VaCAP Board]]></dc:creator>
		<pubDate>Wed, 24 Jun 2020 12:30:59 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisal Organizations]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[CFPB]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[VaCAP]]></category>
		<category><![CDATA[Virginia Coalition of Appraiser Professionals]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=24094</guid>

					<description><![CDATA[<p>CFPB is moving forward with proposing to eliminate the Debt to Income requirement&#8230; Appraisers, prepare yourself for what we are about to share. The short sighted proposal is simply nonsensical from every angle. The Consumer Financial Protection Bureau wants to eliminate the Debt to Income requirement on Qualified Mortgages. You may recall this was proposed a while back and most of the profession objected strongly. Letters, emails and phone calls were made and this absurdity went away. Earlier today CFPB Director, Kathy Kraninger announced the CFPB is moving forward with proposing to eliminate the Debt to Income (DTI) requirement and&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/fannie-mae-filed-a-complaint-against-me/"     class="crp_link post-30011"><span class="crp_title">Fannie Mae Filed a Complaint Against Me</span></a><span class="crp_excerpt"> An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a&hellip;</span></li>
<li><a href="https://appraisersblogs.com/time-2-take-out-the-junk-amc-practices-exposed/"     class="crp_link post-34945"><span class="crp_title">It’s Time to Take Out the Junk: AMC Practices Exposed</span></a><span class="crp_excerpt"> Appraisers have spent years carrying the weight of broken AMC practices, and this article pulls every one of those practices&hellip;</span></li>
<li><a href="https://appraisersblogs.com/top-dei-bosses-at-financial-institutions-have-a-problem-diversity"     class="crp_link post-28072"><span class="crp_title">Top DEI Bosses Have a Problem - Diversity</span></a><span class="crp_excerpt"> The ranks of the new DEI bosses at the financial institutions are no more diverse than the appraisers their institutions&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/CFBP-2-eliminate-debt-2-income-requirement">Playing Fast and Loose With Credit?</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>5</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24094</post-id>	</item>
		<item>
		<title>Lender Seeks to Overturn NY Appraiser-Friendly Statute of Limitations Law</title>
		<link>https://appraisersblogs.com/sharestates-seeks-2-overturn-ny-appraiser-friendly-statute-of-limitations-law</link>
					<comments>https://appraisersblogs.com/sharestates-seeks-2-overturn-ny-appraiser-friendly-statute-of-limitations-law#comments</comments>
		
		<dc:creator><![CDATA[Peter Christensen]]></dc:creator>
		<pubDate>Mon, 02 Mar 2020 13:30:03 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal Management Companies]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[1004]]></category>
		<category><![CDATA[AMCs]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[Certification]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[inflated appraisals]]></category>
		<category><![CDATA[lawsuit]]></category>
		<category><![CDATA[professional negligence]]></category>
		<category><![CDATA[statute of limitations]]></category>
		<category><![CDATA[URAR]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=23620</guid>

					<description><![CDATA[<p>Sharestates operates a crowdfunding platform that provides alternative mortgage lending secured by both residential and commercial real estate. Over the last 10 years, it has reported average annual returns for loan investors ranging from 9.24% to 11.02%. With returns like these, there is likely some loan risk – and Sharestates reports a current foreclosure rate of 2.44%. Following several of its foreclosures, Sharestates has filed professional negligence cases against about a dozen defendant appraisers, appraisal firms and appraisal management companies, blaming the loan losses on inflated appraisals. Last year, it lost one of those cases in a Nassau County, New&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/time-2-take-out-the-junk-amc-practices-exposed/"     class="crp_link post-34945"><span class="crp_title">It’s Time to Take Out the Junk: AMC Practices Exposed</span></a><span class="crp_excerpt"> Appraisers have spent years carrying the weight of broken AMC practices, and this article pulls every one of those practices&hellip;</span></li>
<li><a href="https://appraisersblogs.com/commercial-appraisal-reports-how-much-do-they-cost"     class="crp_link post-27886"><span class="crp_title">Commercial Appraisal Reports: How Much Do They Cost?</span></a><span class="crp_excerpt"> Every business that owns a commercial property will require an appraisal. Commercial real estate transactions are the most common. Commercial&hellip;</span></li>
<li><a href="https://appraisersblogs.com/alleged-violations-of-appraiser-independence-at-fastapp-amc"     class="crp_link post-28354"><span class="crp_title">Fastapp AMC Alleged Violations of AIR</span></a><span class="crp_excerpt"> The following court documents in the case Naftali Horowitz v. [xxx], Fastapp AMC founder v. Fastapp AMC president, confirm what&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/sharestates-seeks-2-overturn-ny-appraiser-friendly-statute-of-limitations-law">Lender Seeks to Overturn NY Appraiser-Friendly Statute of Limitations Law</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>15</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">23620</post-id>	</item>
		<item>
		<title>The Collective Rot</title>
		<link>https://appraisersblogs.com/bankers-regulators-war-on-the-appraisal-industry-n-another-great-real-estate-depression</link>
					<comments>https://appraisersblogs.com/bankers-regulators-war-on-the-appraisal-industry-n-another-great-real-estate-depression#comments</comments>
		
		<dc:creator><![CDATA[Frederick E Rossiter]]></dc:creator>
		<pubDate>Wed, 25 Sep 2019 12:30:27 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal Management Companies]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[Automated Valuation Models]]></category>
		<category><![CDATA[Alternative Valuation Product]]></category>
		<category><![CDATA[Appraisal Management Company]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[appraisal threshold levels]]></category>
		<category><![CDATA[automated valuation models]]></category>
		<category><![CDATA[AVM]]></category>
		<category><![CDATA[big data]]></category>
		<category><![CDATA[BPO]]></category>
		<category><![CDATA[Broker Price Opinion]]></category>
		<category><![CDATA[de minimis]]></category>
		<category><![CDATA[Desktop Underwriter]]></category>
		<category><![CDATA[drive by]]></category>
		<category><![CDATA[evaluation report]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[hybrid appraisal]]></category>
		<category><![CDATA[Ken Harney]]></category>
		<category><![CDATA[labor shortages]]></category>
		<category><![CDATA[Petition]]></category>
		<category><![CDATA[PIW]]></category>
		<category><![CDATA[waiver]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=22759</guid>

					<description><![CDATA[<p>Over 11,000 appraisers signed that petition&#8230; The US Congress completely ignored it and, as a result, The Great Real Estate Depression followed. Déjà vu: Or is it Déjà Poo (I’ve heard this crap before)? The Collective Rot Growing Within the Shadows of the Great Real Estate Depression We are just 11 years past the beginning of the Great Recession. Some estimate the US suffered a $14 trillion loss in wealth. Others estimated the loss as high as $21 trillion. This event is more commonly referred to as The Great Real Estate Depression by those of us who are or were in the real estate industry&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/the-fdic-voted-2-increase-appraisal-threshold-n-appraiser-connections-folds"     class="crp_link post-22596"><span class="crp_title">FDIC Says NO to Appraisals</span></a><span class="crp_excerpt"> The FDIC voted to increase the minimum appraisal threshold to $400,000 for residential appraisals, despite the overwhelming opposition. The vote&hellip;</span></li>
<li><a href="https://appraisersblogs.com/promoting-false-racist-appraiser-narrative-2-optimize-profits-via-avms"     class="crp_link post-26499"><span class="crp_title">Promoting False "Racist Appraiser" Narrative</span></a><span class="crp_excerpt"> Some Lenders promoting false "racist appraiser" narrative to optimize profits via AVMs Like most businesses lenders want to optimize their&hellip;</span></li>
<li><a href="https://appraisersblogs.com/is-the-gses-appraisal-modernization-really-just-mass-appraisal/"     class="crp_link post-30451"><span class="crp_title">Is the GSE's "Appraisal Modernization" Really Just&hellip;</span></a><span class="crp_excerpt"> Mass Appraisal tend to exhibit a regressive nature...&nbsp; In the intricate landscape of real estate mortgage financing, the notion of&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/bankers-regulators-war-on-the-appraisal-industry-n-another-great-real-estate-depression">The Collective Rot</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>11</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">22759</post-id>	</item>
		<item>
		<title>The Black Swan &#8211; Another Meltdown</title>
		<link>https://appraisersblogs.com/white-swan-predicts-another-meltdown-next-recession-inevitable</link>
					<comments>https://appraisersblogs.com/white-swan-predicts-another-meltdown-next-recession-inevitable#comments</comments>
		
		<dc:creator><![CDATA[Frederick E Rossiter]]></dc:creator>
		<pubDate>Tue, 06 Aug 2019 12:30:47 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[Automated Valuation Models]]></category>
		<category><![CDATA[AVM]]></category>
		<category><![CDATA[appraisal news]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=22494</guid>

					<description><![CDATA[<p>Another Meltdown – The Inevitable Outcome of a White Swan: Why would we allow another Financial Meltdown to occur? &#8230;When revenues and profits decline, lenders and financial institutions throw caution to the wind and relax their once prudent lending policies in favor of more aggressive, inclusive policies&#8230; Hindsight has taught us that there is no serious consequence to imprudent lending policies. Perhaps a multi million dollar fine is assessed but that is just the small cost of doing business for some violators&#8230; Though more common now, especially in Australia, Europe, and  Asia, black swans (Cygnus atratus) were once thought to&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/top-dei-bosses-at-financial-institutions-have-a-problem-diversity"     class="crp_link post-28072"><span class="crp_title">Top DEI Bosses Have a Problem - Diversity</span></a><span class="crp_excerpt"> The ranks of the new DEI bosses at the financial institutions are no more diverse than the appraisers their institutions&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-filed-a-complaint-against-me/"     class="crp_link post-30011"><span class="crp_title">Fannie Mae Filed a Complaint Against Me</span></a><span class="crp_excerpt"> An appraiser shared the following with us which was posted on one of the appraisers’ groups. Fannie Mae filed a&hellip;</span></li>
<li><a href="https://appraisersblogs.com/uncovering-flaws-in-fha-appraisal-n-loan-review-process/"     class="crp_link post-31044"><span class="crp_title">Uncovering Flaws in FHA Appraisal & Loan Review Process</span></a><span class="crp_excerpt"> The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/white-swan-predicts-another-meltdown-next-recession-inevitable">The Black Swan &#8211; Another Meltdown</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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		<post-id xmlns="com-wordpress:feed-additions:1">22494</post-id>	</item>
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		<title>Clarocity Now Called Zaio Rips Off Appraisers</title>
		<link>https://appraisersblogs.com/clarocity-zaio-rips-off-appraisers</link>
					<comments>https://appraisersblogs.com/clarocity-zaio-rips-off-appraisers#comments</comments>
		
		<dc:creator><![CDATA[VaCAP Board]]></dc:creator>
		<pubDate>Mon, 15 Apr 2019 12:30:14 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
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		<category><![CDATA[Appraisal Subcommittee]]></category>
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		<category><![CDATA[ASC]]></category>
		<category><![CDATA[Clarocity]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=21333</guid>

					<description><![CDATA[<p>Clarocity changed back to Zaio&#8230;screwing over every outstanding appraiser payment&#8230; Last week VaCAP shared information on Clarocity Corporation and how the main investor StableView Assets was seizing the shares and foreclosing on the working assets, which includes Clarocity Valuation Services. StableView in turn had an agreement to sell Clarocity Valuation Services to iLOOKABOUT. We warned to proceed with caution or do not proceed at all. We described the situation as a “soap opera.” We continue to monitor them and have learned many things. We debated on sharing this information with everyone, however we feel obligated to keep our members informed. First of concern&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/uncovering-flaws-in-fha-appraisal-n-loan-review-process/"     class="crp_link post-31044"><span class="crp_title">Uncovering Flaws in FHA Appraisal & Loan Review Process</span></a><span class="crp_excerpt"> The story of this single mother's harrowing experience with a defective home purchase and HUD's negligent oversight exposes deep flaws&hellip;</span></li>
<li><a href="https://appraisersblogs.com/is-the-gses-appraisal-modernization-really-just-mass-appraisal/"     class="crp_link post-30451"><span class="crp_title">Is the GSE's "Appraisal Modernization" Really Just&hellip;</span></a><span class="crp_excerpt"> Mass Appraisal tend to exhibit a regressive nature...&nbsp; In the intricate landscape of real estate mortgage financing, the notion of&hellip;</span></li>
<li><a href="https://appraisersblogs.com/time-2-take-out-the-junk-amc-practices-exposed/"     class="crp_link post-34945"><span class="crp_title">It’s Time to Take Out the Junk: AMC Practices Exposed</span></a><span class="crp_excerpt"> Appraisers have spent years carrying the weight of broken AMC practices, and this article pulls every one of those practices&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/clarocity-zaio-rips-off-appraisers">Clarocity Now Called Zaio Rips Off Appraisers</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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		<post-id xmlns="com-wordpress:feed-additions:1">21333</post-id>	</item>
		<item>
		<title>Appraisers Disappointed at Federal Agencies</title>
		<link>https://appraisersblogs.com/appraisers-disappointed-federal-banking-agencies</link>
					<comments>https://appraisersblogs.com/appraisers-disappointed-federal-banking-agencies#comments</comments>
		
		<dc:creator><![CDATA[Michael Ford]]></dc:creator>
		<pubDate>Tue, 26 Feb 2019 13:30:22 +0000</pubDate>
				<category><![CDATA[AGA]]></category>
		<category><![CDATA[AI]]></category>
		<category><![CDATA[American Society of Appraisers]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=21078</guid>

					<description><![CDATA[<p>I’ve read a number of posts where appraisers are disappointed at federal banking agencies declining to hold public hearings on the topic of raising the appraisal minimum threshold for residential real estate transactions from $250,000 to $400,000. The request for a public hearing on the issue was ‘worth a shot’ but was never a realistic expectation. We knew that when we joined with others in signing the letter. Federal rulemaking agencies already have policies and procedures in place for mandatory public input. It’s unrealistic to expect them to make special exceptions. Especially when existing lobbyists that promoted the short-sighted policy&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/AGA-objects-de-minimis-threshold-increase"     class="crp_link post-20663"><span class="crp_title">AGA Objects De Minimis Increase Proposal</span></a><span class="crp_excerpt"> We object to the proposal to increase the de minimis threshold at which no appraisal is required... Sirs: The American&hellip;</span></li>
<li><a href="https://appraisersblogs.com/the-real-cause-of-the-home-value-gap-is-the-income-gap"     class="crp_link post-28636"><span class="crp_title">The Real Cause of the Home Value Gap Is the Income Gap</span></a><span class="crp_excerpt"> Blaming appraisers for the income gap will never solve the real underlying problem... Blaming appraisers for the income gap is&hellip;</span></li>
<li><a href="https://appraisersblogs.com/why-details-matter-asc-failed-the-appraisal-profession-at-the-bias-in-the-home-appraisal-process-hearing"     class="crp_link post-26526"><span class="crp_title">Dear ASC: Details... Why They Matter</span></a><span class="crp_excerpt"> DETAILS... NO MATTER HOW SMALL OR BIG NEED TO BE PRESENTED. If not, you failed. ASC, today you failed us&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/appraisers-disappointed-federal-banking-agencies">Appraisers Disappointed at Federal Agencies</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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		<post-id xmlns="com-wordpress:feed-additions:1">21078</post-id>	</item>
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