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<site xmlns="com-wordpress:feed-additions:1">52046035</site>	<item>
		<title>Flags Over Facts: The Road to Obsolescence</title>
		<link>https://appraisersblogs.com/flags-over-facts-the-road-2-obsolescence/</link>
					<comments>https://appraisersblogs.com/flags-over-facts-the-road-2-obsolescence/#comments</comments>
		
		<dc:creator><![CDATA[Desiree Mehbod]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 12:30:03 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=33309</guid>

					<description><![CDATA[<p>The latest round of modernization comes wrapped in friendly language, but the flags are hard to miss if you’ve been paying attention.&#160; For years, appraisers have been warning that the mortgage industry was slowly engineering us out of the process. We were told we were paranoid. Resistant to change. Stuck in the past. Then the newest Mortgage Credit Executive Order arrived, and the appraisal section opened with a single line that confirmed everything we’ve been saying: expand AVMs, desktops, hybrids, and AI. That’s the priority. Everything else in that section is just polite filler wrapped around a strategy to shrink&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/uad-3.6-the-appraisal-industry-shiny-new-straightjacket/"     class="crp_link post-32879"><span class="crp_title">UAD 3.6: The Appraisal Industry’s Shiny New Straightjacket</span></a><span class="crp_excerpt"> UAD 3.6, the appraisal industry’s shiny new straitjacket, promises efficiency but threatens to bury appraisers under a mountain of data&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-fraud-and-abuse-exposed/"     class="crp_link post-32701"><span class="crp_title">Fannie Mae Fraud and Abuse Exposed</span></a><span class="crp_excerpt"> History of waste, fraud & abuse at this rogue organization...&nbsp; Fannie Mae reported this week it had fired more than&hellip;</span></li>
<li><a href="https://appraisersblogs.com/imagine-running-the-lawn-mower-industry-like-the-appraisal-industry"     class="crp_link post-27420"><span class="crp_title">Imagine Running the Lawn Mower Industry Like the&hellip;</span></a><span class="crp_excerpt"> I’m on about lawn mowing lately. It’s my new full time passion. The appraisal industry should be as straight forward&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/flags-over-facts-the-road-2-obsolescence/">Flags Over Facts: The Road to Obsolescence</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>62</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">33309</post-id>	</item>
		<item>
		<title>The Town With No Bank: How Rural America Lost Its Mortgage Lifeline</title>
		<link>https://appraisersblogs.com/how-rural-america-lost-its-mortgage-lifeline/</link>
					<comments>https://appraisersblogs.com/how-rural-america-lost-its-mortgage-lifeline/#comments</comments>
		
		<dc:creator><![CDATA[Dallas T. Kiedrowski, MNAA]]></dc:creator>
		<pubDate>Fri, 29 Aug 2025 12:30:24 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=33012</guid>

					<description><![CDATA[<p>For decades, we’ve been told that the problem is demand. That people don’t want to live in rural America anymore. That lending dried up because the buyers disappeared. That it’s just the market working as it should. But what if we’ve been telling the wrong story? Because when you look closely, when you actually follow the data, the decisions, and the people left behind, it turns out rural America didn’t walk away from mortgage credit. Mortgage credit walked away from rural America. The Collapse of Local Lending Up until the 1980s, a family in a small farming town could walk&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<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/the-one-mile-rule-prudent-policy-or-modern-day-redlining/"     class="crp_link post-30730"><span class="crp_title">The One-Mile Rule: Prudent Policy or Modern Day Redlining?</span></a><span class="crp_excerpt"> ...whether through redlined maps or implicit "one-mile rule," the result can be undervalued properties in historically marginalized neighborhoods.&nbsp; Throughout the&hellip;</span></li>
<li><a href="https://appraisersblogs.com/uad-3.6-the-appraisal-industry-shiny-new-straightjacket/"     class="crp_link post-32879"><span class="crp_title">UAD 3.6: The Appraisal Industry’s Shiny New Straightjacket</span></a><span class="crp_excerpt"> UAD 3.6, the appraisal industry’s shiny new straitjacket, promises efficiency but threatens to bury appraisers under a mountain of data&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/how-rural-america-lost-its-mortgage-lifeline/">The Town With No Bank: How Rural America Lost Its Mortgage Lifeline</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">33012</post-id>	</item>
		<item>
		<title>UAD 3.6: The Appraisal Industry’s Shiny New Straightjacket</title>
		<link>https://appraisersblogs.com/uad-3.6-the-appraisal-industry-shiny-new-straightjacket/</link>
					<comments>https://appraisersblogs.com/uad-3.6-the-appraisal-industry-shiny-new-straightjacket/#comments</comments>
		
		<dc:creator><![CDATA[AppraisersBlogs]]></dc:creator>
		<pubDate>Fri, 30 May 2025 12:30:22 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=32879</guid>

					<description><![CDATA[<p>UAD 3.6, the appraisal industry’s shiny new straitjacket, promises efficiency but threatens to bury appraisers under a mountain of data demands and tech troubles, risking the integrity of valuations in a quest for modernization.&#160; The appraisal industry is bracing for the rollout of the Uniform Appraisal Dataset (UAD) 3.6, a supposed game-changer slated for an optional beta in September 2025 and a mandatory debut by November 2026. Promising to drag appraisal reporting into the modern age with a sleeker, property-specific framework, UAD 3.6 has appraisers across the country muttering a mix of cautious hope and outright skepticism. But let’s be&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/new-uad-overhaul-what-appraisers-can-expect-in-2025-n-beyond/"     class="crp_link post-31387"><span class="crp_title">New UAD Overhaul: What Appraisers Can Expect in 2025&hellip;</span></a><span class="crp_excerpt"> Folks, I recently attended a Train the Trainer 1.5 day class about the new UAD/URAR, jointly facilitated by Fannie Mae,&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/the-harbor-model-where-appraisers-take-the-helm/"     class="crp_link post-32975"><span class="crp_title">The Harbor Model: Where Appraisers Take the Helm</span></a><span class="crp_excerpt"> The Harbor Model offers a bold blueprint for restoring transparency, authorship, and oversight in a valuation industry long dominated by&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/uad-3.6-the-appraisal-industry-shiny-new-straightjacket/">UAD 3.6: The Appraisal Industry’s Shiny New Straightjacket</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>33</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">32879</post-id>	</item>
		<item>
		<title>The Appraisal Profession’s Perfect Storm: A Veteran’s Take on a Dying Craft</title>
		<link>https://appraisersblogs.com/the-appraisal-professions-perfect-storm-a-veterans-take-on-a-dying-craft/</link>
					<comments>https://appraisersblogs.com/the-appraisal-professions-perfect-storm-a-veterans-take-on-a-dying-craft/#comments</comments>
		
		<dc:creator><![CDATA[Desiree Mehbod]]></dc:creator>
		<pubDate>Fri, 02 May 2025 12:30:49 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=32754</guid>

					<description><![CDATA[<p>The new UAD form, the AMC fee gouging, the waivers, the false bias claims. It’s a perfect storm of assaults.&#160; I’ve been an appraiser since 1993, back when fax machines were cutting-edge and the internet was a clunky novelty. Over three decades, I’ve seen this profession weather storms, economic crashes, regulatory overhauls, you name it. But what’s happening now? It’s not a storm; it’s a tsunami. Our industry is hemorrhaging talent, drowning under false accusations, and getting squeezed by corporate greed and bureaucratic overreach. As someone who’s stubbornly refused to bend the knee to Appraisal Management Companies (AMCs), I’m here&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/the-shadowy-appraisal-management-companies-fees-draining-billions-from-homebuyers/"     class="crp_link post-32371"><span class="crp_title">The Shadowy AMC Fees Draining Billions from Homebuyers</span></a><span class="crp_excerpt"> The hidden costs of appraisal management companies (AMCs) in the real estate industry have faced growing scrutiny, as highlighted by&hellip;</span></li>
<li><a href="https://appraisersblogs.com/gse-executive-boasts-scheme-2-slash-appraiser-numbers/"     class="crp_link post-30788"><span class="crp_title">GSE Exec Boasts Scheme to Slash Appraiser Numbers</span></a><span class="crp_excerpt"> At a recent appraisal event, a GSE executive, after a few drinks, privately told his nearby colleagues that we suck&hellip;</span></li>
<li><a href="https://appraisersblogs.com/a-cry-from-the-appraisal-trenches-the-fall-of-gse-oversight/"     class="crp_link post-32713"><span class="crp_title">A Cry from the Appraisal Trenches: The Fall of GSE Oversight</span></a><span class="crp_excerpt"> That could bring our best and brightest back to GSE lending, leveling the playing field with fairer work distribution.&nbsp; Picture&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/the-appraisal-professions-perfect-storm-a-veterans-take-on-a-dying-craft/">The Appraisal Profession’s Perfect Storm: A Veteran’s Take on a Dying Craft</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>100</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">32754</post-id>	</item>
		<item>
		<title>New UAD Overhaul: What Appraisers Can Expect in 2025 &#038; Beyond</title>
		<link>https://appraisersblogs.com/new-uad-overhaul-what-appraisers-can-expect-in-2025-n-beyond/</link>
					<comments>https://appraisersblogs.com/new-uad-overhaul-what-appraisers-can-expect-in-2025-n-beyond/#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 19 Sep 2024 12:30:42 +0000</pubDate>
				<category><![CDATA[American National Standards Institute]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=31387</guid>

					<description><![CDATA[<p>Folks, I recently attended a Train the Trainer 1.5 day class about the new UAD/URAR, jointly facilitated by Fannie Mae, Freddie Mac and Aloft. About 20 other instructors from across the US were also present. This class is required before this new UAD material can be taught to other appraisers, under contract with the GSEs. My info below is a limited high-level summary for the new UAD and URAR of what was presented, and what the appraiser community can expect to see, from now into 2026. It is not meant to be comprehensive; I may send out other info as&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/fannie-mae-releases-the-new-urar-redesign-spec"     class="crp_link post-29139"><span class="crp_title">New URAR Redesign Spec Released</span></a><span class="crp_excerpt"> The Appraisal Forms &amp; UAD Redesign Spec has been released and the current forms are being retired. This means that&hellip;</span></li>
<li><a href="https://appraisersblogs.com/data-cancer-infecting-the-real-estate-market/"     class="crp_link post-32511"><span class="crp_title">Data Cancer Infecting the Real Estate Market</span></a><span class="crp_excerpt"> They have created the phenomenon known as “data cancer” which reduces an appraisal to a rubber stamp that contaminates the&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-fraud-and-abuse-exposed/"     class="crp_link post-32701"><span class="crp_title">Fannie Mae Fraud and Abuse Exposed</span></a><span class="crp_excerpt"> History of waste, fraud & abuse at this rogue organization...&nbsp; Fannie Mae reported this week it had fired more than&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/new-uad-overhaul-what-appraisers-can-expect-in-2025-n-beyond/">New UAD Overhaul: What Appraisers Can Expect in 2025 &#038; Beyond</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>77</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">31387</post-id>	</item>
		<item>
		<title>The Censorship of Appraisers</title>
		<link>https://appraisersblogs.com/the-censorship-of-appraisers-federal-officials-team-up-with-freddie-fannie-2-deceive-investors/</link>
					<comments>https://appraisersblogs.com/the-censorship-of-appraisers-federal-officials-team-up-with-freddie-fannie-2-deceive-investors/#comments</comments>
		
		<dc:creator><![CDATA[Jeremy Bagott]]></dc:creator>
		<pubDate>Thu, 11 Apr 2024 12:30:46 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=30658</guid>

					<description><![CDATA[<p>Thirty-seven hours after President Biden took the oath of office, White House officials met with executives at social media companies. The officials threatened restraint-of-trade lawsuits and regulatory action if the companies failed to censor what the White House deemed “misinformation.” In a parallel development, we can now connect the dots that similar talks occurred among White House officials, employees of government-sponsored mortgage giants Fannie Mae and Freddie Mac and private vendors to throttle the protected speech of individuals and firms in the mortgage industry engaged specifically for their independence. The latter serve as bulwarks in federally backed mortgage transactions. In&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/list-of-banned-words-the-nightmarish-end-of-home-appraisals/"     class="crp_link post-29767"><span class="crp_title">The Nightmarish End of Home Appraisals</span></a><span class="crp_excerpt"> In his 1946 essay “Politics and the English Language,” the late British novelist, essayist and critic George Orwell examined the&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/baghdad-bob-of-freddie-mac-merits-mention-as-mideast-erupts/"     class="crp_link post-32926"><span class="crp_title">Baghdad Bob of Freddie Mac Merits Mention As Mideast Erupts</span></a><span class="crp_excerpt"> In true Baghdad Bob fashion, Scott Reuter leads Freddie Mac’s effort to ensure that no inconvenient fact is left uncensored.&nbsp;&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/the-censorship-of-appraisers-federal-officials-team-up-with-freddie-fannie-2-deceive-investors/">The Censorship of Appraisers</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>34</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">30658</post-id>	</item>
		<item>
		<title>Is the GSE&#8217;s &#8220;Appraisal Modernization&#8221; Really Just Mass Appraisal?</title>
		<link>https://appraisersblogs.com/is-the-gses-appraisal-modernization-really-just-mass-appraisal/</link>
					<comments>https://appraisersblogs.com/is-the-gses-appraisal-modernization-really-just-mass-appraisal/#comments</comments>
		
		<dc:creator><![CDATA[Dallas T. Kiedrowski, MNAA]]></dc:creator>
		<pubDate>Thu, 07 Mar 2024 13:30:04 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=30451</guid>

					<description><![CDATA[<p>Mass Appraisal tend to exhibit a regressive nature&#8230;&#160; In the intricate landscape of real estate mortgage financing, the notion of appraisal waivers recently dubbed “Value Acceptance”, by the Government Sponsored Enterprises (GSEs), has stirred considerable debate. The most recent statistics show Value Acceptance accounts for up to 40% of all mortgage approvals. It is presented as part of the GSEs “Appraisal Modernization” initiative, which aims to streamline the mortgage appraisal process. However, a closer examination reveals potential drawbacks, raising questions about its efficacy and impact on the housing market. Despite its roots in a methodology designed to support appraisers, Value&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
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<ul>
<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/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>
<li><a href="https://appraisersblogs.com/the-one-mile-rule-prudent-policy-or-modern-day-redlining/"     class="crp_link post-30730"><span class="crp_title">The One-Mile Rule: Prudent Policy or Modern Day Redlining?</span></a><span class="crp_excerpt"> ...whether through redlined maps or implicit "one-mile rule," the result can be undervalued properties in historically marginalized neighborhoods.&nbsp; Throughout the&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/is-the-gses-appraisal-modernization-really-just-mass-appraisal/">Is the GSE&#8217;s &#8220;Appraisal Modernization&#8221; Really Just Mass Appraisal?</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>18</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">30451</post-id>	</item>
		<item>
		<title>UAD Redesign Timeline</title>
		<link>https://appraisersblogs.com/updated-uad-redesign-timeline/</link>
					<comments>https://appraisersblogs.com/updated-uad-redesign-timeline/#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Wed, 31 Jan 2024 13:30:09 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=30279</guid>

					<description><![CDATA[<p>Appraisers, to see more about the upcoming new UAD currently in design, read the Updated Timeline link in the message below. My concern at this point is &#8216;training&#8217; materials will be available in Q4 2024, but actual implementation of the &#8216;new reporting process&#8217; won’t begin until Q3 2025 with limited production, into 2026. Note that in the future &#8220;form numbers&#8221; won’t be used. Instead, the assignment instructions will be based on a scope of work for the loan process on the particular Subject property. As someone who’s potentially interested in ‘training’ appraisers on the new process, it seems to me&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
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<ul>
<li><a href="https://appraisersblogs.com/first-the-borrower-fee-now-the-appraiser-compensation-in-court/"     class="crp_link post-34918"><span class="crp_title">First the Borrower Fee. Now the Appraiser&hellip;</span></a><span class="crp_excerpt"> Two lawsuits place Class Valuation’s fee transparency and staff-appraiser compensation practices under federal scrutiny. Most appraisal disputes examine only one&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/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/updated-uad-redesign-timeline/">UAD Redesign Timeline</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">30279</post-id>	</item>
		<item>
		<title>Seller Filed a Racial Bias Complaint Against Me</title>
		<link>https://appraisersblogs.com/seller-filed-a-racial-bias-complaint-against-me/</link>
					<comments>https://appraisersblogs.com/seller-filed-a-racial-bias-complaint-against-me/#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Tue, 07 Nov 2023 13:30:08 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=30075</guid>

					<description><![CDATA[<p>So what’s caused the sudden loss of income? Could it be because of the racial bias complaint filed against me by an unhappy Seller&#8230;&#160; Fannie Mae accomplished what they set out to do in July 2011, when they initiated their Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal. The goal was to collect enough property data to effectively remove appraisers from the home buying and refinancing process. It all started with Dodd-Frank Act, a several hundred pages Act signed into law by then President Obama, sold to unsuspecting Americans as a protection from the corrupt business practices of&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<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/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/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/seller-filed-a-racial-bias-complaint-against-me/">Seller Filed a Racial Bias Complaint Against Me</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">30075</post-id>	</item>
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		<title>The New &#038; Improved Fannie Mae “FRAUDULATOR 2.0”</title>
		<link>https://appraisersblogs.com/the-new-improved-fannie-mae-fraudulator-2-is-an-outright-fraud</link>
					<comments>https://appraisersblogs.com/the-new-improved-fannie-mae-fraudulator-2-is-an-outright-fraud#comments</comments>
		
		<dc:creator><![CDATA[Michael Ford]]></dc:creator>
		<pubDate>Mon, 15 May 2023 12:30:53 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=29449</guid>

					<description><![CDATA[<p>Originally known as Fannie Mae’s Collateral Underwriter (CU), and subsequently Collateral Underwriter 2.0 (CU-2)i this always dubious product of Fannie Mae is increasingly being referred to by some, if not many American Appraisers as The Fraudulator / Underwriter 2.0 (FU-2). To be clear it is not limited to the Collateral Underwriter (CU &#38; CU-2) software. The new Fraudulator (FU-2) combines the CU products with their numerous improper uses. The end result of which includes OUTRIGHT FRAUD being perpetrated against banks via the repurchase letters Fannie Mae now issues on a quota based system rather than because of legitimate appraisal defects.&#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/dear-representative-fannie-mae-has-gone-rogue"     class="crp_link post-29081"><span class="crp_title">Dear Representative, FNMA Has Gone Rogue!</span></a><span class="crp_excerpt"> Dear representative, waiving/eliminating property appraisal for lending purposes is wanton recklessness. Fannie Mae’s decision to waive/eliminate property appraisal for lending&hellip;</span></li>
<li><a href="https://appraisersblogs.com/how-u-s-home-valuations-are-being-subverted"     class="crp_link post-29041"><span class="crp_title">How U.S. Home Valuations Are Being Subverted</span></a><span class="crp_excerpt"> At the crossroads of it all is a campaign to weaken or eliminate valuations... The nonprofit is now exploring ways&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/the-new-improved-fannie-mae-fraudulator-2-is-an-outright-fraud">The New &#038; Improved Fannie Mae “FRAUDULATOR 2.0”</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>42</slash:comments>
		
		<enclosure url="https://appraisersblogs.com/wp-content/uploads/2023/05/The-New-Improved-Fannie-Mae-FRAUDULATOR-2.0.mp3" length="0" type="audio/mpeg" />

		<post-id xmlns="com-wordpress:feed-additions:1">29449</post-id>	</item>
		<item>
		<title>Sale Price vs Appraised Value Disconnect</title>
		<link>https://appraisersblogs.com/sale-price-vs-appraised-value-disconnect</link>
					<comments>https://appraisersblogs.com/sale-price-vs-appraised-value-disconnect#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Mon, 10 Apr 2023 12:30:15 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=29235</guid>

					<description><![CDATA[<p>How can it be said that valuing a property lower than its eventual sale price based on current market evidence is tantamount to BIAS?&#160; The article titled &#8220;FHFA Data Fueling Looks into Appraisal Bias&#8221; was in the Inside Mortgage Finance Publications e-newsletter on 4/06/23. The Federal Housing Finance Agency is a is a critical provider of the data necessary for oversight, enforcement and research, FHFA Director Sandra Thompson noted during a discussion in late March. According to aggregate statistics from the Uniform Appraisal Dataset released by the FHFA, roughly 57% of appraisals were above the contract price in 2021. Just&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/low-appraisal-vs-bad-appraisal-manipulating-data"     class="crp_link post-24268"><span class="crp_title">A Low Appraisal is Now a Bad Appraisal</span></a><span class="crp_excerpt"> A low appraisal is now a bad appraisal. Well, that's according to the headline. The article does not stress ‘bad.’&hellip;</span></li>
<li><a href="https://appraisersblogs.com/dear-representative-fannie-mae-has-gone-rogue"     class="crp_link post-29081"><span class="crp_title">Dear Representative, FNMA Has Gone Rogue!</span></a><span class="crp_excerpt"> Dear representative, waiving/eliminating property appraisal for lending purposes is wanton recklessness. Fannie Mae’s decision to waive/eliminate property appraisal for lending&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>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/sale-price-vs-appraised-value-disconnect">Sale Price vs Appraised Value Disconnect</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>8</slash:comments>
		
		<enclosure url="https://appraisersblogs.com/wp-content/uploads/2023/04/Sale-Price-vs-Appraised-Value-Disconnect.mp3" length="0" type="audio/mpeg" />

		<post-id xmlns="com-wordpress:feed-additions:1">29235</post-id>	</item>
		<item>
		<title>New URAR Redesign Spec Released</title>
		<link>https://appraisersblogs.com/fannie-mae-releases-the-new-urar-redesign-spec</link>
					<comments>https://appraisersblogs.com/fannie-mae-releases-the-new-urar-redesign-spec#comments</comments>
		
		<dc:creator><![CDATA[AppraisersBlogs]]></dc:creator>
		<pubDate>Fri, 31 Mar 2023 12:30:42 +0000</pubDate>
				<category><![CDATA[1004MC]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=29139</guid>

					<description><![CDATA[<p>The Appraisal Forms &#38; UAD Redesign Spec has been released and the current forms are being retired. This means that appraisers will no longer be using individual forms for each property type, but instead will have to use a single dataset with output varying based on property characteristics. If you want to get an idea of what this looks like, take a look at Appendix D-1 of the spec document. The new URAR form is going to be used for all types of properties as well as hybrid &#38; traditional appraisals. It is important to note that this redesign requires&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/should-appraisers-include-discussion-of-bias-and-discrimination-in-appraisal-reports"     class="crp_link post-28183"><span class="crp_title">Bias and Discrimination in Reports, Yes or No?</span></a><span class="crp_excerpt"> Appraisers, should we include discussion of B&amp;D in our reports? Wait, What?? Bondage and Discipline? No, not that. Bias and Discrimination.&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>
<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/fannie-mae-releases-the-new-urar-redesign-spec">New URAR Redesign Spec Released</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>77</slash:comments>
		
		<enclosure url="https://appraisersblogs.com/wp-content/uploads/2023/03/New-URAR-Redesign-Spec-Released.mp3" length="0" type="audio/mpeg" />

		<post-id xmlns="com-wordpress:feed-additions:1">29139</post-id>	</item>
		<item>
		<title>Under-Valuations Unrelated to Racial Bias</title>
		<link>https://appraisersblogs.com/under-valuations-unrelated-2-racial-bias</link>
					<comments>https://appraisersblogs.com/under-valuations-unrelated-2-racial-bias#comments</comments>
		
		<dc:creator><![CDATA[AppraisersBlogs]]></dc:creator>
		<pubDate>Tue, 21 Feb 2023 13:30:52 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=28743</guid>

					<description><![CDATA[<p>Under-valuations that more accurately reflect the homes&#8217; “true” value as opposed to the contract price will also alert the buyer, not just the lender, that he or she may be over-paying, which often triggers a renegotiation&#8230; when the seller and buyer settle on a new price after the appraisal, the new lower price reduces credit risk, costs to the borrower, and ultimately results in greater wealth for the buyer. The AEI Housing Center recently released an analysis revealing that reports by the Federal Housing Finance Agency (FHFA) and by Brookings, attributing the greater prevalence of under-valuations in home purchase appraisals&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/spear-throwers-using-census-data-as-evidence-4-bias"     class="crp_link post-28525"><span class="crp_title">Census Data Used as Evidence for Bias</span></a><span class="crp_excerpt"> I’ve previously written about how the various spear throwers at appraisers have used ‘census tract data’ in their assertions that&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/aei-research-critique-of-freddie-mac-misleading-appraisal-gap-report"     class="crp_link post-26552"><span class="crp_title">AEI Research Critique of Freddie Mac's Misleading&hellip;</span></a><span class="crp_excerpt"> More great research from AEI. This is an analysis of Freddie Mac's misleading and basically defamatory paper on Appraisal Gap.&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/under-valuations-unrelated-2-racial-bias">Under-Valuations Unrelated to Racial Bias</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>11</slash:comments>
		
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		<post-id xmlns="com-wordpress:feed-additions:1">28743</post-id>	</item>
		<item>
		<title>UAD Composite Property Data Info Released to the Public</title>
		<link>https://appraisersblogs.com/uad-composite-appraisal-property-data-info-released-2-the-public</link>
					<comments>https://appraisersblogs.com/uad-composite-appraisal-property-data-info-released-2-the-public#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 27 Oct 2022 12:30:08 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=28014</guid>

					<description><![CDATA[<p>Appraisers, since 2011, the GSEs (called the ‘Enterprises’) have been collecting and analyzing appraisal data using their proprietary Uniform Appraisal Dataset (UAD) which was overlaid on four of the standard GSE appraisal forms, SFR’s and Condo’s only. Ever since then, appraisers and other users have complained that none of that data was available. Well, now it is available, but not highly detailed down to specific properties. See below for the web site link. Some of that data is granular down to specific Census Tracts, which appraisers seldom, if ever, use in their market analysis to determine comparable sales and their&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/racial-targeting-masked-as-a-virtue-under-the-heading-diversity-equity-n-inclusion"     class="crp_link post-27626"><span class="crp_title">Racial Targeting Under the Heading of Diversity,&hellip;</span></a><span class="crp_excerpt"> This time around, the racial targeting is masked as a virtue under the heading “Diversity, Equity and Inclusion,” or “DEI.”&hellip;</span></li>
<li><a href="https://appraisersblogs.com/fannie-mae-census-block-grid-adjustment-raises-redlining-concerns/"     class="crp_link post-30763"><span class="crp_title">Fannie Mae 'Census Block Grid' Adjustment Raises&hellip;</span></a><span class="crp_excerpt"> "FNMA’s collateral underwriter tool has a line item adjustment it makes on every comparable called Census Block Grid."&nbsp; In a&hellip;</span></li>
<li><a href="https://appraisersblogs.com/census-tract-info-being-used-against-appraisers"     class="crp_link post-26778"><span class="crp_title">Census Tract Info Used Against Appraisers</span></a><span class="crp_excerpt"> "Census tract boundaries do not necessarily define the subject's market..." Appraisers, of all the issues I’ve written about or questioned&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/uad-composite-appraisal-property-data-info-released-2-the-public">UAD Composite Property Data Info Released to the Public</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>18</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">28014</post-id>	</item>
		<item>
		<title>The Appraisal Problem</title>
		<link>https://appraisersblogs.com/the-appraisal-problem-n-undue-diligence</link>
					<comments>https://appraisersblogs.com/the-appraisal-problem-n-undue-diligence#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Thu, 20 Oct 2022 12:30:37 +0000</pubDate>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=27926</guid>

					<description><![CDATA[<p>Gone are the days of hiring a professional appraiser to solve the appraisal problem. For decades lenders have taken on the responsibility of shaping the appraisal process and dictating the solutions to the appraisal problem. Savvy appraisers push back in a positive fashion to try and enable the lender to receive a report that not only meets USPAP, FIRREA, Fannie Mae, or HUD/FHA/VA an UAD reporting guidelines, but also provides the client with a report that is clear, concise, accurate and not misleading. An appraisal report can be on time, have all the boxes checked, no inconsistencies, meet all the&#46;&#46;&#46;</p>
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<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/scope-creep-n-the-imploding-of-rules-have-little-2-do-with-appraising"     class="crp_link post-26655"><span class="crp_title">Scope Creep & the Imploding of Rules</span></a><span class="crp_excerpt"> ...the imploding rules then implemented, and the scope creep that evolved because the cart was leading the horse, has severely&hellip;</span></li>
<li><a href="https://appraisersblogs.com/appraisal/is-it-possible-to-commit-fraud-unknowingly/"     class="crp_link post-8175"><span class="crp_title">Convicted for Committing Fraud Unknowingly?</span></a><span class="crp_excerpt"> Appraisers need to have intent in order to be convicted of fraud... I have recently read several different posts and&hellip;</span></li>
<li><a href="https://appraisersblogs.com/schizophrenic-precise-dollar-adjustments"     class="crp_link post-18980"><span class="crp_title">Schizophrenic Adjustments</span></a><span class="crp_excerpt"> Appraisers, I’ve written in the past about what I believe are strange ways to report adjustments in appraisals, and suggested&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/the-appraisal-problem-n-undue-diligence">The Appraisal Problem</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>8</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">27926</post-id>	</item>
		<item>
		<title>Proposed Design of the URAR</title>
		<link>https://appraisersblogs.com/proposed-design-of-the-urar-will-require-far-more-information-n-more-time-2-complete</link>
					<comments>https://appraisersblogs.com/proposed-design-of-the-urar-will-require-far-more-information-n-more-time-2-complete#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 17 Mar 2022 12:30:03 +0000</pubDate>
				<category><![CDATA[1004MC]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[Fannie Mae - Freddie Mac]]></category>
		<category><![CDATA[Trending]]></category>
		<category><![CDATA[Appraisal Report]]></category>
		<category><![CDATA[comparable sales]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[GSE]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Residential Appraisal Report]]></category>
		<category><![CDATA[URAR]]></category>
		<category><![CDATA[USPAP]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=26479</guid>

					<description><![CDATA[<p>Here’s the link to the ‘slide show’ the GSE’s have produced showing proposed design of the future, revised, URAR appraisal form. In my initial very quick observation of the proposed changes, there is FAR MORE INFO REQUESTED about the subject and comparable sales than the &#8216;current&#8217; 2005 URAR form has on it. If this is what the final version will be like, the appraiser’s time to ‘complete the form report’ may increase exponentially. It may mean that the cost of the appraisal will increase. I hope people involved with this will be more sensitive to this aspect, unlike what was&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/the-appraisal-professions-perfect-storm-a-veterans-take-on-a-dying-craft/"     class="crp_link post-32754"><span class="crp_title">The Appraisal Profession’s Perfect Storm: A&hellip;</span></a><span class="crp_excerpt"> The new UAD form, the AMC fee gouging, the waivers, the false bias claims. It’s a perfect storm of assaults.&nbsp;&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/fannie-mae-releases-the-new-urar-redesign-spec"     class="crp_link post-29139"><span class="crp_title">New URAR Redesign Spec Released</span></a><span class="crp_excerpt"> The Appraisal Forms &amp; UAD Redesign Spec has been released and the current forms are being retired. This means that&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/proposed-design-of-the-urar-will-require-far-more-information-n-more-time-2-complete">Proposed Design of the URAR</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">26479</post-id>	</item>
		<item>
		<title>UAD to Assist Local Assessors?</title>
		<link>https://appraisersblogs.com/uad-2-assist-local-assessors</link>
					<comments>https://appraisersblogs.com/uad-2-assist-local-assessors#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Tue, 28 Dec 2021 13:30:32 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[Fannie Mae - Freddie Mac]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[appraisal data]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[GSE]]></category>
		<category><![CDATA[property tax]]></category>
		<category><![CDATA[real estate assessment]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=26192</guid>

					<description><![CDATA[<p>Folks, 16 local Assessors across the US have requested to FHFA that the GSE’s UAD property rating data be provided to Assessors, with the belief that UAD will help them be more accurate in their local tax assessments. This info has been circulating the past few days, in the link below: Kaegi, other tax officials want access to Uniform Appraisal Database to help make property taxes fairer &#124; Crain&#8217;s Chicago Business From the article: Kaegi (Cook County, Illinois) has suggested that the Uniform Appraisal Database maintained by the federally chartered mortgage buyers Fannie Mae and Freddie Mac might help plug&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/big-data-valuation-revolution-price-fiasco"     class="crp_link post-17280"><span class="crp_title">The Price of Big Data Valuation Fiasco</span></a><span class="crp_excerpt"> &quot;Price&quot; of this Fiasco may be the Downfall of the American Real Estate Market... I Choose Not to Be Part&hellip;</span></li>
<li><a href="https://appraisersblogs.com/data-n-verification-sources-are-critical"     class="crp_link post-23123"><span class="crp_title">Data and Verification Sources Are Critical</span></a><span class="crp_excerpt"> The genesis for this essay began when I heard from another appraiser that a VA report reviewer rejected the comparables&hellip;</span></li>
<li><a href="https://appraisersblogs.com/tax-assessments-vs-avms-accuracy"     class="crp_link post-18079"><span class="crp_title">Tax Values Just as Accurate as AVMs?</span></a><span class="crp_excerpt"> In a head to head contest between tax values and AVMs for use in mortgage lending, I’ll take tax assessments&hellip;</span></li>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/uad-2-assist-local-assessors">UAD to Assist Local Assessors?</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>16</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">26192</post-id>	</item>
		<item>
		<title>Forms Redesign Extended Into 2023-24</title>
		<link>https://appraisersblogs.com/appraisal-forms-redesign-extended-into-2023-24</link>
					<comments>https://appraisersblogs.com/appraisal-forms-redesign-extended-into-2023-24#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 25 Mar 2021 12:30:50 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal Management Companies]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisal Software]]></category>
		<category><![CDATA[Appraisal Technology]]></category>
		<category><![CDATA[AMCs]]></category>
		<category><![CDATA[appraisal data]]></category>
		<category><![CDATA[appraisal forms]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[appraisal software]]></category>
		<category><![CDATA[Collateral Underwriter]]></category>
		<category><![CDATA[CU]]></category>
		<category><![CDATA[data]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Federal Housing Finance Agency]]></category>
		<category><![CDATA[forms]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[GSE]]></category>
		<category><![CDATA[MISMO]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[Uniform Collateral Data Portal]]></category>
		<category><![CDATA[Uniform Residential Appraisal Report]]></category>
		<category><![CDATA[URAR]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=25087</guid>

					<description><![CDATA[<p>What once was a ‘three year’ project to redesign and implement revised appraisal forms has morphed into one taking far longer. Actual implementation and use of ‘new forms’ are not scheduled to happen until (presumably) early in 2024, but could be extended even further. By 2024, the currently used ‘forms’ will be 19 years old, and the current UAD overlay entering ‘teenage hood’ at 13. For context, the current Planet Mars Perseverance Rover mission to successfully plan and land scientific instruments took only 9 years! Details for the ‘forms redesign extension’ are based on the announcement from Fannie Mae (and Freddie&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/opinion-of-an-insider-on-the-new-form-redesign"     class="crp_link post-25018"><span class="crp_title">Opinion of an Insider on the New Form</span></a><span class="crp_excerpt"> An appraiser shared the following with us which was posted on one of the appraisers' groups. There's been a lot&hellip;</span></li>
<li><a href="https://appraisersblogs.com/dear-representative-fannie-mae-has-gone-rogue"     class="crp_link post-29081"><span class="crp_title">Dear Representative, FNMA Has Gone Rogue!</span></a><span class="crp_excerpt"> Dear representative, waiving/eliminating property appraisal for lending purposes is wanton recklessness. Fannie Mae’s decision to waive/eliminate property appraisal for lending&hellip;</span></li>
<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>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/appraisal-forms-redesign-extended-into-2023-24">Forms Redesign Extended Into 2023-24</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>8</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">25087</post-id>	</item>
		<item>
		<title>FHFA RFI on Hybrids, Waivers, AVMS, Racism</title>
		<link>https://appraisersblogs.com/fhfa-rfi-on-hybrid-appraisals-waivers-avms-racism-uad-forms</link>
					<comments>https://appraisersblogs.com/fhfa-rfi-on-hybrid-appraisals-waivers-avms-racism-uad-forms#comments</comments>
		
		<dc:creator><![CDATA[AppraisersBlogs]]></dc:creator>
		<pubDate>Mon, 04 Jan 2021 13:30:27 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal Management Companies]]></category>
		<category><![CDATA[Appraisal News]]></category>
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		<category><![CDATA[Automated Valuation Models]]></category>
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		<category><![CDATA[appraisers]]></category>
		<category><![CDATA[automated valuation model]]></category>
		<category><![CDATA[automated valuation models]]></category>
		<category><![CDATA[AVM]]></category>
		<category><![CDATA[AVMs]]></category>
		<category><![CDATA[COVID-19]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FHFA]]></category>
		<category><![CDATA[forms]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[hybrid appraisal]]></category>
		<category><![CDATA[rural]]></category>
		<category><![CDATA[trainee]]></category>
		<category><![CDATA[trainees]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[unintended consequences]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=24792</guid>

					<description><![CDATA[<p>The FHFA is requesting input on appraisal related policies, practices and processes. We encourage everyone to submit comments. The Request for Input (RFI) is open to comment until February 26, 2021. The input received in response to the RFI will be used by FHFA to determine the necessary modifications needed to ensure Fannie Mae and Freddie Mac (the Enterprises) operate in a safe and sound manner. “Modernizing the appraisal process has the potential to create a more streamlined and accurate collateral valuation process. But if modernization is not properly adopted, it could have negative unintended consequences,&#8221; said Director Mark Calabria.&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/reforming-the-appraisal-review-process-the-illogical-reality-of-mortgage-appraisal-reviews/"     class="crp_link post-30943"><span class="crp_title">The Illogical Reality of Mortgage Appraisal Reviews </span></a><span class="crp_excerpt"> Reforming the appraisal review process is essential to maintaining the integrity of the real estate market and protecting consumers and&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/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/fhfa-rfi-on-hybrid-appraisals-waivers-avms-racism-uad-forms">FHFA RFI on Hybrids, Waivers, AVMS, Racism</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>7</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24792</post-id>	</item>
		<item>
		<title>Photos in Gated Communities Can be Tricky</title>
		<link>https://appraisersblogs.com/comparable-photos-in-private-gated-communities-can-be-tricky</link>
					<comments>https://appraisersblogs.com/comparable-photos-in-private-gated-communities-can-be-tricky#comments</comments>
		
		<dc:creator><![CDATA[Dustin Harris]]></dc:creator>
		<pubDate>Fri, 09 Oct 2020 12:30:36 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[1073]]></category>
		<category><![CDATA[AI]]></category>
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		<category><![CDATA[broker]]></category>
		<category><![CDATA[comparable properties]]></category>
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		<category><![CDATA[EAD]]></category>
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		<category><![CDATA[photos]]></category>
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		<guid isPermaLink="false">https://appraisersblogs.com/?p=24481</guid>

					<description><![CDATA[<p>Let’s talk about assignments in private neighborhoods, gated communities, or secure communities. Rich folks buy, sell, and refinance their homes, too, so they need appraisals. You have an assignment in a security community. There is security at the entrances, you must be on security’s authorized visitor list to get in, and your permission to enter this private community extends solely to visit your subject. So, here is the question: while inside this gated, secure community, do you also drive around and take photos of the comps? Now, even though you are reading this, I can see you looking at me&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<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>
<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/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>
</ul>
<div class="crp_clear"></div>
</div>
<p>The post <a href="https://appraisersblogs.com/comparable-photos-in-private-gated-communities-can-be-tricky">Photos in Gated Communities Can be Tricky</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">24481</post-id>	</item>
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