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Originally posted by mortgagemessiah

Call Pam Crowley

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Wilson & Associates
Matthew Wilson
76243 Long Leaf Loop
Yulee, Florida 32097

Fast Accurate Service. Rush Service Available. We notify the loan officer if research does not support his or the client's value before doing the appraisal or scheduling the inspection. Serving Nassau, Duval, St. Johns & Clay county.

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Originally posted by Hopland

From the appraisers.com listings..

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Wilson & Associates
Matthew Wilson
76243 Long Leaf Loop
Yulee, Florida 32097

Fast Accurate Service. Rush Service Available. We notify the loan officer if research does not support his or the client's value before doing the appraisal or scheduling the inspection. Serving Nassau, Duval, St. Johns & Clay county.

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These are the type of unprofessional idiots that need to be weeded out of the business.

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Originally posted by Hopland

No it's not. I try to be helpful on the outpost by answering appraisal related questions, posting links to references, discussing manufactured home issues, FHA issues, appraiser/lender business issues. I joke around, I post in off topic threads, I flirt with Kathi in some posts and insult her in other posts.

I'm almost always respectful to outpost members. I don't spout unsupported opinions. I don't try to tell brokers how to do their job... I just try to tell them how appraisers are SUPPOSED to do THEIR jobs.

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Originally posted by HMDApproved

Looks like another catfight between appraisers and L/o's is brewing here...

Now, Now children, play nice....

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Originally posted by Hopland

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Originally posted by HMDApproved

Looks like another catfight between appraisers and L/o's is brewing here...

Now, Now children, play nice....

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Not on my part. I'm burned out on comp check wars. My post about the Florida appraiser was not a comp check issue. It was an issue of sleazy appraisal practice.

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We all know you have RADAR for comp check threads.

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Originally posted by Hopland

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We all know you have RADAR for comp check threads.

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It's an appraisal issue. I'm an appraiser. I usually stick to topics on the BO which relate to appraisal issues.

I kept the explanation simple so you could follow along.

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Originally posted by GBoneske

guys can't you just call it a day and let it drop?

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Originally posted by Hopland

That's simply not accurate Mr. Fowler. In fact, I'm one of the few appraisers who post here that doesn't obsess about "comp checks" and the first that ever posted that a comp check is not "illegal."

I "patrol" the outpost looking for interesting topics, discussions, humor and entertainment when I'm bored or just need a few minutes distraction from a stressful or tedious assignment.

You're just bitter because I mocked one of your posts a few weeks ago. And I only mock those who post strong opinions without anything to support their viewpoint.

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CHARLOTTE, N.C. (AP) -- As soaring home prices set the stage for America's great housing meltdown, a critical step in making sure those home sales were a fair deal -- the real estate appraisal -- was undermined from within.

After the nation's last major banking disaster, Congress set up a system to catch rogue appraisers. Their game: inflating the value of homes at the direction of equally unscrupulous real estate agents and mortgage brokers, whose commissions are determined by the size of the deals.

But a six-month Associated Press investigation found that the system is crippled by both the bumbling of its policemen and their inability to effectively punish those caught committing fraud.

And despite ample evidence appraisers are pressured into inflating home values -- sometimes to prices in support of loans that are more than buyers can afford -- the federal regulators charged with protecting consumers have thus far made a conscious choice not to act.

....

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Originally posted by Mandyvilla

here is one link you want before placing an order:

http://www.asc.gov/default.aspx

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Originally posted by johnnyboy38109

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Originally posted by Hopland

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We all know you have RADAR for comp check threads.

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It's an appraisal issue. I'm an appraiser. I usually stick to topics on the BO which relate to appraisal issues.

I kept the explanation simple so you could follow along.

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What you do is patrol the Outpost looking for comp check threads like a spastic teenager.

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Originally posted by johnnyboy38109

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Originally posted by Hopland

No it's not. I try to be helpful on the outpost by answering appraisal related questions, posting links to references, discussing manufactured home issues, FHA issues, appraiser/lender business issues. I joke around, I post in off topic threads, I flirt with Kathi in some posts and insult her in other posts.

I'm almost always respectful to outpost members. I don't spout unsupported opinions. I don't try to tell brokers how to do their job... I just try to tell them how appraisers are SUPPOSED to do THEIR jobs.

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I am sure other appraisers for obvious reasons aren't interested in your telling them how to do their jobs.

I am slso sure the overwhelming majority of posters here care not one whit about your unsolicited compulsion to tell other appraisers how to do their jobs.

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Originally posted by Hopland

Sorry Mandy. Didn't mean to get your thread off topic. And before I even clicked the link I new you were just being funny. But someone posted a link to the appraisers.com listing of Florida appraisers and that guys listing just jumped out.

I'll leave Mr. Fowler alone now so he can get back to self-actualizing himself.

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Oh no! It’s low! - What To Do When The Appraisal Is "Short"

You’ve done everything right. You found your clients the perfect home. True, the property is at the high end of their price range. True, they offered almost full list price after having already lost out on two other homes. Now all your clients need is the mortgage, and the deal is done. But when the appraisal comes in, the valuation is low. What can you do legally and ethically to resolve the situation and not just watch your clients’ perfect home go to someone else? Francois K. Gregoire's article published in the June issue of Realtor Magazine Online : Oh no! It’s low! has some suggestions: You never want to demand or coerce an appraiser to revise the appraisal. There must be a reason for the appraiser to reconsider an opinion of value other than “This is what we need to get the deal through.” However, there are ways to approach a low-appraisal situation that are both legal and likely to produce results. Focus on the facts. Facts, not emotion, will pique an appraiser’s interest. If you have data not available to the appraiser through standard sources, such as the MLS or county tax rolls, you may be able to grab the appraiser’s attention and possibly affect a revision in the appraiser’s opinions or conclusions. Have the details ready. If there are issues you want to bring to an appraiser’s attention, they must be supported by facts, not anecdotes or rumors. An unsupported statement such as “prices have appreciated by 10 percent in this area over the past 60 days” isn’t likely to get an appraiser’s attention. . Present real comparables to support your arguments. Recent sales similar to the property under contract, that appeal to the same market segment, and that are in the same or a similar location are comparables. Other properties are merely sales. Also remember that an appraiser is required to make adjustments to a comp’s price based on differences with the subject property. Adjustments can occur because of changes in market demand, physical differences in properties, or a location’s desirability. You can assist the appraiser by providing all details about the sale and about comps that closely match the property. Remember who the appraiser is working for. An appraiser’s responsibility is to the lender—not to the borrower, the seller, the listing agent, or the selling agent. If your client has an issue with an appraisal, contact the appraiser’s client (the bank) to see if that client will authorize the appraiser to discuss aspects of the assignment. Continuous calls to the appraiser issuing overt or covert threats won’t advance your cause.
"Appraisers aren’t perfect, but they have everything to gain by being thorough, accurate, and honest. Encouraging an appraiser to engage in illegal activity in this era of widespread mortgage fraud could lead to a sanction against you and even to criminal prosecution for you and the appraiser. No transaction is worth that."
Gregoire, RAA, is president of Gregoire & Gregoire Inc. in St. Petersburg, Fla. He’s a past chair of the NATIONAL ASSOCIATION OF REALTORS® Appraisal Committee and chairman of the Florida Real Estate Appraisal Board. You can reach him at

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Originally posted by Hopland

From the appraisers.com listings..

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Wilson & Associates
Matthew Wilson
76243 Long Leaf Loop
Yulee, Florida 32097

Fast Accurate Service. Rush Service Available. We notify the loan officer if research does not support his or the client's value before doing the appraisal or scheduling the inspection. Serving Nassau, Duval, St. Johns & Clay county.

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One more appraiser that we don't need.

I wonder if the regulatory agency that oversees the appraiser's license might have interest in his advertising? As in "...notify the loan officer..." why, exactly?

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Originally posted by Hopland

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We all know you have RADAR for comp check threads.

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It's an appraisal issue. I'm an appraiser. I usually stick to topics on the BO which relate to appraisal issues.

I kept the explanation simple so you could follow along.

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Originally posted by LeeLansford

I know one way to put an end to the probem: No request for an appraisal for use in residential lending should include a request for a minimum value. Request the appraisal and let the chips fall where they may.

Everyone in on this?

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