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<site xmlns="com-wordpress:feed-additions:1">52046035</site>	<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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		<category><![CDATA[Appraisal Technology]]></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/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/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/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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		<category><![CDATA[Fannie Mae - Freddie Mac]]></category>
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		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<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/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/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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		<category><![CDATA[property data collector]]></category>
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		<category><![CDATA[URAR]]></category>
		<category><![CDATA[waiver]]></category>
		<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>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">
<h4>Related Posts:</h4>
<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/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/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/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>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
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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">
<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/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/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/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/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/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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			<slash:comments>47</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">30075</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/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/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>
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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/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/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>
</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/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>
<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>
</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>
		
		<enclosure url="https://appraisersblogs.com/wp-content/uploads/2023/02/Under-Valuations-Unrelated-to-Racial-Bias.mp3" length="0" type="audio/mpeg" />

		<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>
		<category><![CDATA[Appraisal News]]></category>
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		<category><![CDATA[Federal Housing Finance Agency]]></category>
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		<category><![CDATA[census tract]]></category>
		<category><![CDATA[comparable sales]]></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/baltimore-racial-bias-lawsuit-the-latest-appraiser-bias-suit"     class="crp_link post-27655"><span class="crp_title">Baltimore Racial Bias Lawsuit</span></a><span class="crp_excerpt"> When reading over the Baltimore document, it appears painfully clear (to me) that there is a competency issue exposed. Folks,&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/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>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>
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		<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/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>
<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>
</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/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-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/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>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[Automated Valuation Models]]></category>
		<category><![CDATA[alternative]]></category>
		<category><![CDATA[AMCs]]></category>
		<category><![CDATA[appraisal forms]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[appraiser trainees]]></category>
		<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/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/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>
</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>Appraisal Forms Redesign</title>
		<link>https://appraisersblogs.com/appraisal-forms-redesign-whats-coming-down-the-track</link>
					<comments>https://appraisersblogs.com/appraisal-forms-redesign-whats-coming-down-the-track#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Fri, 25 Sep 2020 12:30:42 +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[UAD]]></category>
		<category><![CDATA[adjustment]]></category>
		<category><![CDATA[appraisal forms]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[data]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FAQs]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[GSE]]></category>
		<category><![CDATA[Market Conditions Addendum]]></category>
		<category><![CDATA[MISMO]]></category>
		<category><![CDATA[UCDP]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[Uniform Collateral Data Portal]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=24430</guid>

					<description><![CDATA[<p>In 2018, the GSEs began working on &#8216;mortgage lending appraisal forms redesign&#8217;, a process they said would take approximately 3 years to accomplish. The effort is currently underway, however they have not announced exactly when the process will be completed, or when the new forms will take effect. Attached is a PDF of their FAQs through June 2020 which you may want to peruse, just so you become more aware of &#8220;what&#8217;s coming down the track&#8221; not too long from now. From my quick read of this FAQ document, key items include: GSE forms are not to be used for&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<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/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/appraisal-forms-redesign-whats-coming-down-the-track">Appraisal Forms Redesign</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>3</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">24430</post-id>	</item>
		<item>
		<title>Incorrect Comments in Multi-Family Report</title>
		<link>https://appraisersblogs.com/incorrect-comments-multi-family-appraisal-report</link>
					<comments>https://appraisersblogs.com/incorrect-comments-multi-family-appraisal-report#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 19 Dec 2019 13:30:48 +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[Trending]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[1004]]></category>
		<category><![CDATA[1025]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[condition]]></category>
		<category><![CDATA[definition]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[forms]]></category>
		<category><![CDATA[highest and best use]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[URAR]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=23272</guid>

					<description><![CDATA[<p>I have in my possession an appraisal for a DUPLEX (2 family residence) on a FNMA 1025/FrMac 72 form, commonly called the &#8216;1025 Form&#8217; which was done by a Certified Residential Appraiser licensed for 8 yrs, 6 months. Items &#8220;observed&#8221; in the report: UAD rating numbers are used for Quality and Condition. 1025 forms are not UAD coded, so why are these used? Please don’t tell me &#8220;the client said so&#8221; because the client is incorrect, and may not be aware. Use the standard wording for those items, and provide a definition description of the standard wording you use. The Highest and&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<li><a href="https://appraisersblogs.com/appraisal/for-clarity-sake/"     class="crp_link post-2483"><span class="crp_title">For Clarity Sake</span></a><span class="crp_excerpt"> Once again I find myself harping on the original intent of USPAP. The purpose of the Uniform Standards of Professional&hellip;</span></li>
<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/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/incorrect-comments-multi-family-appraisal-report">Incorrect Comments in Multi-Family Report</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>35</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">23272</post-id>	</item>
		<item>
		<title>Data and Verification Sources Are Critical</title>
		<link>https://appraisersblogs.com/data-n-verification-sources-are-critical</link>
					<comments>https://appraisersblogs.com/data-n-verification-sources-are-critical#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Fri, 15 Nov 2019 13:30:13 +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[The US Department of Veterans Affairs]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[concessions]]></category>
		<category><![CDATA[data]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[MLS listings]]></category>
		<category><![CDATA[selling guide]]></category>
		<category><![CDATA[Tax records]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[Veterans Affairs]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=23123</guid>

					<description><![CDATA[<p>The genesis for this essay began when I heard from another appraiser that a VA report reviewer rejected the comparables “DOC Number” on the Verification Source(s) line. The reviewer said the “DOC Number” was not acceptable as a Verification Source. In fact, VA has said in a newsletter to appraisers that “&#8230; Assessor’s File Number may never be used as a Verification Source.” I disagree with that position, and this essay explains why. It also explains what appraisers should do to provide credible Data and Verification Source(s) in reports. Caveat: I don’t do VA assignments. I decided that a deeper dive&#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/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/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/data-n-verification-sources-are-critical">Data and Verification Sources Are Critical</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">23123</post-id>	</item>
		<item>
		<title>Returning to Requiring the Cost Approach</title>
		<link>https://appraisersblogs.com/returning-2-requiring-the-cost-approach</link>
					<comments>https://appraisersblogs.com/returning-2-requiring-the-cost-approach#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Thu, 30 May 2019 12:30:23 +0000</pubDate>
				<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[Trending]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[1073]]></category>
		<category><![CDATA[AGA]]></category>
		<category><![CDATA[AI]]></category>
		<category><![CDATA[appraisal]]></category>
		<category><![CDATA[appraisal forms]]></category>
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		<category><![CDATA[appraisal reports]]></category>
		<category><![CDATA[appraiser]]></category>
		<category><![CDATA[appraisers]]></category>
		<category><![CDATA[cost approach]]></category>
		<category><![CDATA[CU]]></category>
		<category><![CDATA[data]]></category>
		<category><![CDATA[DOM]]></category>
		<category><![CDATA[DU]]></category>
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		<category><![CDATA[forms]]></category>
		<category><![CDATA[green]]></category>
		<category><![CDATA[GSE]]></category>
		<category><![CDATA[income approach]]></category>
		<category><![CDATA[market value]]></category>
		<category><![CDATA[ROV]]></category>
		<category><![CDATA[Sales Comparison Approach]]></category>
		<category><![CDATA[Uniform Residential Appraisal Report]]></category>
		<category><![CDATA[URAR]]></category>
		<category><![CDATA[VA]]></category>
		<category><![CDATA[value]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=22030</guid>

					<description><![CDATA[<p>&#8230;the Cost Approach is the most INACCURATE of the three current &#8216;Approaches&#8217; we use&#8230; Appraisers, for the past few weeks, emails have been sent by a third party asking appraisers to complete a survey about the appraisal process and the current forms. I did so; you should also. But I wanted to expand on one aspect of the survey. Two separate questions, on different survey pages, related to the Cost Approach (CA). These questions wanted appraisers to state their opinion about 1) if the forms provide adequate detail to develop a CA, and 2) if it is or is not&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<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/desktop-appraisals-has-the-devil-infiltrated-the-public-trust"     class="crp_link post-26264"><span class="crp_title">Desktop Appraisals: Has The Devil Infiltrated The&hellip;</span></a><span class="crp_excerpt"> Are desktop appraisals with third-party inspectors protecting the public, or are these products about to destroy the very profession I&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/returning-2-requiring-the-cost-approach">Returning to Requiring the Cost Approach</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>50</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">22030</post-id>	</item>
		<item>
		<title>Lenders Allies AMC Negligent Conduct</title>
		<link>https://appraisersblogs.com/lenders-allies-negligent-conduct-FTC-vs-LREAB-FNMA-UAD-survey</link>
					<comments>https://appraisersblogs.com/lenders-allies-negligent-conduct-FTC-vs-LREAB-FNMA-UAD-survey#comments</comments>
		
		<dc:creator><![CDATA[VaCAP Board]]></dc:creator>
		<pubDate>Mon, 20 May 2019 12:30:41 +0000</pubDate>
				<category><![CDATA[AMC]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal Management Companies]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[Appraisal Organizations]]></category>
		<category><![CDATA[Appraisers News]]></category>
		<category><![CDATA[AMCs]]></category>
		<category><![CDATA[Appraisal Management Company]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Fannie Mae - Freddie Mac]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[Louisiana Real Estate Appraisers Board]]></category>
		<category><![CDATA[LREAB]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[VaCAP]]></category>
		<category><![CDATA[Virginia Coalition of Appraiser Professionals]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=21939</guid>

					<description><![CDATA[<p>Lenders Allies, LLC, an appraisal management company, has agreed to a consent order with the Texas Appraiser Licensing and Certification Board (TALCB). On May 1, 2019 Lenders Allies agreed to a final order neither admitting guilt or denying guilt of violations of  Texas law. The case revolved around the investigation of a complaint against an appraiser, which then lead them to Lenders Allies. The appraiser completed 59 appraisals for Lenders Allies over a period of two years as an employee and at no time was the appraiser on Lenders Allies appraiser panel maintained by the TALCB. Was this an administrative oversight&#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/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/lenders-allies-negligent-conduct-FTC-vs-LREAB-FNMA-UAD-survey">Lenders Allies AMC Negligent Conduct</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>2</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">21939</post-id>	</item>
		<item>
		<title>What&#8217;s Happening With the New Forms?</title>
		<link>https://appraisersblogs.com/new-forms-status-n-implementation</link>
					<comments>https://appraisersblogs.com/new-forms-status-n-implementation#comments</comments>
		
		<dc:creator><![CDATA[Dave Towne]]></dc:creator>
		<pubDate>Tue, 05 Feb 2019 13:30:23 +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 forms]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[forms]]></category>
		<category><![CDATA[GSE]]></category>
		<category><![CDATA[Uniform Standards of Professional Appraisal Practice]]></category>
		<category><![CDATA[USPAP]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=20859</guid>

					<description><![CDATA[<p>Many of you are aware that the GSE’s are in the process of evaluating the entire appraisal process, including the existing ‘forms.’ This initiative was announced in 2nd Qtr 2018, and reps from both FNMA and FrMac made presentations at various appraiser conferences and other places through the year to gather info and suggestions from all appraisal forms users. This new initiative was never intended to be an immediate make-over; instead, the GSE’s said it was to be an approximate 3 year process. In December 2018, the GSE’s released their Executive Summary (see PDF below) describing what’s been accomplished so&#46;&#46;&#46;</p>
<div class="crp_related     crp-text-only">
<h4>Related Posts:</h4>
<ul>
<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/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/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/new-forms-status-n-implementation">What&#8217;s Happening With the New Forms?</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">20859</post-id>	</item>
		<item>
		<title>Is SmartExchange Not USPAP-Compliant?</title>
		<link>https://appraisersblogs.com/smartexchange-USPAP-compliance-debate</link>
					<comments>https://appraisersblogs.com/smartexchange-USPAP-compliance-debate#comments</comments>
		
		<dc:creator><![CDATA[Guest Author]]></dc:creator>
		<pubDate>Wed, 30 Jan 2019 13:30:58 +0000</pubDate>
				<category><![CDATA[a la mode]]></category>
		<category><![CDATA[ACI]]></category>
		<category><![CDATA[AI]]></category>
		<category><![CDATA[Appraisal]]></category>
		<category><![CDATA[Appraisal Institute]]></category>
		<category><![CDATA[Appraisal News]]></category>
		<category><![CDATA[appraisal data]]></category>
		<category><![CDATA[appraisal news]]></category>
		<category><![CDATA[comparable properties]]></category>
		<category><![CDATA[condition rating]]></category>
		<category><![CDATA[confidential information]]></category>
		<category><![CDATA[confidentiality]]></category>
		<category><![CDATA[CoreLogic]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[property data]]></category>
		<category><![CDATA[public records]]></category>
		<category><![CDATA[social media]]></category>
		<category><![CDATA[square footage]]></category>
		<category><![CDATA[TAF]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[The Appraisal Foundation]]></category>
		<category><![CDATA[UAD]]></category>
		<category><![CDATA[Uniform Appraisal Dataset]]></category>
		<category><![CDATA[Uniform Residential Appraisal Report]]></category>
		<category><![CDATA[USPAP]]></category>
		<category><![CDATA[valuation assignments]]></category>
		<guid isPermaLink="false">https://appraisersblogs.com/?p=20786</guid>

					<description><![CDATA[<p>Is Smartexchange Resulting in USPAP Non-Compliance? This blog is likely going to stir up controversy. It is likely going to have a few folks calling me a loyalist to a la mode, or other similar things. Am I a loyalist? I do not see myself as such, but a la mode has been the only software that I have used in my career for residential form reporting. I do use ACI in the corporate setting as a reviewer and manager in my firm. I like and consider many of the staff at a la mode to be my friends, and I have had long relationships&#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/automatic-review-of-photos-in-appraisal-reports/"     class="crp_link post-31024"><span class="crp_title">Automatic Review of Photos in Appraisal Reports</span></a><span class="crp_excerpt"> It means the statements in your appraisal reports about the actual component material, and its quality and current condition, can&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/smartexchange-USPAP-compliance-debate">Is SmartExchange Not USPAP-Compliant?</a> appeared on <a href="https://appraisersblogs.com">Appraisers Blogs</a>.</p>
]]></description>
		
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			<slash:comments>27</slash:comments>
		
		
		<post-id xmlns="com-wordpress:feed-additions:1">20786</post-id>	</item>
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