Think of the bright side, these sorts of resources assist in relocation, a form of voluntary segregation. Nothing wrong with like minded and culturally similar people congregating together. Not sure this can be considered a sustainable community but they’re certainly giving it a try. I support the effort, perhaps there will be one less rainbow flag or progressive yard sign on the block. Talk about a win win scenario.

These sort of things are not held in isolation, there are all sorts of character identity realty branding. If you can imagine it, probably out there. Except for things like dentists, it’s not really good for their business model to live in entire communities of only other dentists. I’d like to live in a community with more skilled mechanics and trade persons, so I could save on all these excessive manual labor costs. We’d like a fair amount of dentists and doctors too. Really don’t have any need or functional reason or practical need to keep the progressive socialist activists around. Hopefully they’ll follow the model and can all move to one location and share their way of life together, leave the normal people to be, well, normal.

They’ve already got that type of branding out there too. Top ten list of most family friendly cities or communities. Although personally I would prefer ‘strategic relocation’ from Joel Scousen. Now this is a different way of looking at things, likely to be considered even more controversial. If you’ve never held this book in your hand, it’s really something else, I guarantee you’ve never read anything quite like this.
https://joelskousen.com/strategic-relocation

https://www.gayrealestate.com/

You revealed the solution to the ROV problem. I always replied as follows:

“I was hired to provide MY opinion of value of the property and provided a report to support that opinion. I will be happy to review the data that you provided as a separate service for an additional fee. Call my office for a precise fee quote.”

I promise it works like a charm.

Bwahahahahahahahahahahahahahahahaha!

Oh, puuuleeeeese, when was the ROV ever not pressure and or a veiled threat and or whatever? AMC’s were created to do exactly what they’re doing, nothing else.

Only four states are currently out of amc program compliance most for paperwork or one for penalties such as blacklisting an appraiser in violation of specific state law, yet no amc penalty is ever applied. Alabama, Mississippi, New Hampshire, Washington.
https://asc.gov/?state_id=50&state=NM

Perform an ASC amc advanced search. Research amc penalties on a national scale. Click advanced, find the select all button and select all states, then individually click the three suspension types, three national searches.

https://asc.gov/amc
Amc suspension records nationwide, all time – 25 records. Most suspensions come out of Florida, hardly anywhere else.

Amc revocation records nationwide, all time – 11 results. Every single one of them issued by the state of Florida and nowhere else, according to the ASC amc research tools.

I used quick search for Coester and there were only two inactive records There is not even a disciplinary action record on either profile both in Kentucky. Says good standing. Are they data scrubbing old records? Odd. Have the appraisal trade groups somehow become aligned with the amc industry?

One single state of the union ever revoked an amc? According to the ASC, yes that is the reality. Florida down the line. Because the amc licensing program is not an individual licensing program, that’s why the asc amc program fails to bring accountability.

Voluntary surrender has 38 results nationally all time but that’s mostly inconsequential. Probably are simply business dealings, consolidation, etc.

It’s good to want accountability and file the complaints. The reality is these complaints usually go nowhere.

Fill out the ASC website online appraisal complaint hotline referral; appraiser, violations of independence rules, amc type conventional work. One is merely routed in an automatic fashion to file a complaint at the state regulatory agency or the cfpb. People have been complaining for two decades. Amc’s exist in the nether, the in between places between clear regulatory authority. Banking regulators presume states provide the amc oversight. States are not always even able to force licensing, and they can only look at a limited range of activity. If states were to penalize the amc’s, they could face a downgrade of their positive ASC rating for amc oversight program compliance. Nobody wants that, to get a bad grade for your state licensing administration program. See how this works?

I don’t think the VA model is going to fold as easily as people think. Lenders might want everything pushed into the AMC pipeline, but the VA process keeps proving it works, and that is exactly why they keep running into resistance every time they try to force it into alignment. The pressure is real, but so is the pushback.

Only a tiny fraction of ROVs are ever valid. If people had to pay for the rest, the whole pile would disappear overnight.

Virginia feels like the only board actually showing what accountability can look like. I get why people feel nothing changes, but I still think every complaint counts. If more appraisers filed them, they would not be able to brush all of it aside. Staying quiet is exactly how the system keeps running the way it does.

The VA appraisal assignment model will not stand the test of time, appraisers will eventually lose this to the amc model. The exact same lenders whom understand these pressure systems work outside of the VA, know how much loan volume and income they’re trading down because of independent appraisers protected by VA process. They provide the loans on both sides and have clear data regarding how process differences effect loan outcomes. That’s why the lenders purposefully use amc’s outside of the VA model. If those lenders believed in sound process and consumer protection, they would compare VA outcomes vs other GSE’s, and stop using amc’s. They do not do that. The lenders whom work with the VA continue to use amc’s outside of the VA.

With the increased liability protection and distortion of markets in ways they can control via central planning that comes with appraisal waivers, hybrids, pdc’s, and the new 3.6 forms, the pressure applied to bring the VA into alignment will be greater than ever before. Eventually the entire market will shift to one way of going about things. Either the general industry adopts a mirror of the VA process, which is the IVPI Proposal, or the entire thing moves to the amc model eventually. If you refused to submit to ROV process with amc’s outside of VA, you’d have been blacklisted hundreds of times over 28 years already and be subjected to restraint of trade like the rest of us. Only a matter of time now.

Because hardly anyone understands how things used to be in this industry, they’re clueless as to the current dysfunction. Nobody is willing to take the time to explain this to them anyways. If they did most would not pay attention, so not even worth the time to publish the historical comparison of then vs now. Nobody would pay attention anyways, a pointless effort. Count the days and enjoy the time you have left with VA. Appraisal management companies and their partner lenders influence does not magically stop at the VA door. It has always only been a matter of time. When this next amc skates by without any real penalty, just like the last ones, they’ll be yet again, more emboldened then ever.

Big picture, some +/- 80% of the purchases that were flagged for an ROV from me went on to close with significantly reduced sales prices. To the point, when I’m asked how much an appraisal costs, the true answer is on average borrowers save by way of reduced contract prices 5 times more per year than what my gross fees are. Read that sentence again and like I used to tell the appraiser coach, but principles before profits and do your job.

Seek the truth.