Cut Back on the Egg Rolls... Trust us. - 03.04.10 | Zenet Negron : First Priority Financial : Stockton, CA

Greeny: (March 04, 2010 11:00pm)

MLO licensing should be the nail in the coffin for NAMB as the CRLMS (whatever) designation i useless. You can have the alphabet after you name but without an MLO license you will soon be toast. Goodbye to NAMB taking my $$$$$ and wasting it for a FEDEX discount. No thanks NAMB what have you done for a 15 year dues paying member. I will tell you NOTHING. Go Savitt.

Cessna 210: (March 04, 2010 10:52pm)

The kid controller is an over blown reaction. Believe me his dad was all over that kid and his dad can do that job in his sleep. Controllers know airspace like a cop knows a freeway. I am a commercial pilot and we know what we are going to get as intructions 95% of the time. The only thing that might happen is a return to airport emergency from a departing aircraft. If that happened the dad would have airmailed the kid in a 1000thy of a second.

BoringBill: (March 04, 2010 10:44pm)

5pence - Yo Windows 8?

Pipe: (March 04, 2010 10:37pm)

NMLS - Arizona requires a "responsible individual" in addition to the SAFE act MLO licensing. I have had that license since 1996. In the past 2 months myself and 4 LO's went through the process. If you have a license the 20 hours, more fingerprints,testing will be annoying at the least however the most difficult part of the process for 2 LO's was the Arizona state exam. 2 failed both passed on the second try. If you have been originating loans for a few years the National exam should be easy. I would not be concerned about credit issues, AZ requires a tri merge with the application and an explanation of derog items. I cannot speak to other states however for my team this is the first professional license they have had, that's a good thing. Costs are not cheap, AZrizona all in including a prep class around $1100.00 If you post a question I will try and monitor this dicussion to reply. Good luck. If Hammer does another webinar TAKE IT, I would let him take over my company.Hope this helps

SickoBOA: (March 04, 2010 9:35pm)

Yet another blog post on Bank of America's conduct on short sales http://activerain.com/blogsview/1526656/come-on-bank-of-america-get-your-together-

AppraiserByLAX: (March 04, 2010 6:34pm)

New Mexico Passes AMC Regulations with other states possibly following suit... In the state of New Mexico Assemblyman and Realtor Mark Boitano has tried to ease their monetary woes by introducing legislation in January 2010 that would cap an appraisal management company (AMC) fees at 10% of the appraisal and require AMCs to disclose the full amount paid to the appraiser thus allowing the appraiser to keep more of his fee. Senate Bill 138, Senator Boitano A case can be made that the alarming number of poor appraisals can be traced to the Home Valuation Code of Conduct and the reduced fee structure the appraisal management companies are negotiating with appraisers. SJC Sub for SB 138 will allow appraisers to bill at a market rate and enable them to share liability with appraisal management companies." The bill also requires all state AMCs to post a surety bond not to exceed $25,000. This legislation was passed on March 1, 2010, and will go into effect July 1, 2010.

CV Broker: (March 04, 2010 6:26pm)

Any CA DRE MLOs out here? Can anyone make sense of the new requirements? Federal Background Checks, credit checks, two sets of fingerprints, two tests, layered fees, financial statements and net worth requirements. All this just to KEEP my license that I've tested, studied, paid and repaid for? Can we start discussing this?

Miller 1: (March 04, 2010 2:40pm)

I just went to 20/20 and there are 97 posts to the blog about AMC's the link is http://www.facebook.com/topic.php?topic=13795&post=71360&uid=163497464933 This is abc news maybe it will help

MortgageBlues: (March 04, 2010 2:29pm)

The AMCs are simply interested in their own bottom line profit . They hire anyone who will work fast and cheap and having a valid appraiser’s license seems to be the only real qualification their appraisers need. Even if an appraiser knows the property value will be much lower than what the customer needs the AMC requires the appraiser to continue with the appraisal rather than refuse the appraisal and return the customer’s money. This in my opinion is simply unethical but the AMCs could not care less about anyone else. They are simply focused on taking advantage of HVCC requirements and on making big money at our expense!

2nd Class citizen: (March 04, 2010 2:24pm)

One thing everyone seems to forget about HVCC: 1)Appraiser fees are and will be in the future, controlled by a third party,(Don't even think of cost of living increases, increases due to data costs, complexity of a property, etc.) You will rec'd what "THEY" think is typical of the area. If you disagree, your out. 2) HVCC blocks the appraiser's right to solicite their business services in the mortage market. Free enterprise is only for "some" professions, I guess. Appraiser rights don't matter. 3)All appraisers, whether they want to admit it or not, are violating UPAPS under HVCC by not researching ALL sources to produce a quality appraisal: not being able to talk to/interview brokers, listing agents and homeowners for necessary information. To me HVCC is a violation of all appraiser's constitutional rights!!! This is what we should be fighting for!!!

5pence: (March 04, 2010 2:05pm)

That's what I like to hear MtgBlues: All you have to do is separate the appraisal ordering from the originator, simple. But, the AMC's have all the smaller banks and mortgage bankers so scared, they're afraid not to use them even if using them is so screwed up. No fear! Use logic. Just follow the rules till they're gone/sunsetted whatever and get your deals to go smoothly with a qualfied and expeienced appraiser. It's so simple even a caveman can do it.

MortgageBlues: (March 04, 2010 1:57pm)

Most banks hate HVCC just as much as the rest of us do. Banks are also concerned about the overall poor quality of AMC appraisals. However, banks are simply prone to comply with regulations. At least one mortgage bank has started to experiment with setting up a unique in-house AMC system. Many mortgage brokers were asked to submit the names of their favorite appraisers and this mortgage bank’s AMC is now made up of only those recommended appraisers. These appraisers receive the full amount they request for appraisal fees. So far, many mortgage brokers using this lender’s AMC have been very satisfied with the quality of the appraisals they received. You see even banks are searching for alternatives.

5pence: (March 04, 2010 1:49pm)

Are crawl spaces all above ground in your area AMBREA? If they're not then you have to get on the ground to do a head and shoulders inspection of the crawl space - and if you see a problem, get a picture of it and that just might mean crawling underneath the house. I don't even know why I'm bothering.

Appraiser Mtge Broker R.E. Agent: (March 04, 2010 1:44pm)

Now I am remembering why I don't chat online in rooms like this. Now I have some stranger named Jerry saying that I said, "FHA doesn't require an inspection of the attic and crawl space". The statement I made was and pay attention now. Appraisers are not required to, nor have I ever seen or heard of, nor does FHA require appraisers to, CRAWL ON THE GROUND UNDER HOMES or CRAWL AROUND IN AN ATTIC. Which was retards comment - which I was referencing. This is why I would not run for public office. It's the idiots you have to smile at everyday.

Appraiser Mtge Broker R.E. Agent: (March 04, 2010 1:44pm)

Now I am remembering why I don't chat online in rooms like this. Now I have some stranger named Jerry saying that I said, "FHA doesn't require an inspection of the attic and crawl space". The statement I made was and pay attention now. Appraisers are not required to, nor have I ever seen or heard of, nor does FHA require appraisers to, CRAWL ON THE GROUND UNDER HOMES or CRAWL AROUND IN AN ATTIC. Which was retards comment - which I was referencing. This is why I would not run for public office. It's the idiots you have to smile at everyday.

5pence: (March 04, 2010 1:41pm)

WTF - I'm having REAL problems with your site today. It keeps loading wrong, shutting down all my open windows and sending me error messages. I just installed Windows 8 - is that the problem? Anyway, if you have Facebook, here is where the 20/20 discussion kill HVCC and AMC's section is : http://www.facebook.com/topic.php?topic=13795&post=71360&uid=163497464933

ILL Appraiser: (March 04, 2010 1:37pm)

Okay. On 20/20 page under the ABC 20/20 Become a fan there is Wall/Info/Photos/Discussion. Click on Discussion and you can't miss it.

ILL Appraiser: (March 04, 2010 1:32pm)

Miller 1- Yes I am. Let me check it out again and get back to you

Miller 1: (March 04, 2010 1:22pm)

I have gone to the abc 20/20 page and there are no tabs at the top We are in the chicagoland area are you near us?

ILL Appraiser: (March 04, 2010 1:21pm)

That is "Stop THE insanity.

ILL Appraiser: (March 04, 2010 1:20pm)

That is "Stop THE insanity.

ILL Appraiser: (March 04, 2010 1:18pm)

Miller 1 and everyone - To get heard some more, go to your facebook page and search abc 20/20. When that pops in go to the discussion tab and click. You will be redirected to a page that has an AMC post. Click there and go for it. Most everything has been said but real life examples are good, begging abc 20/20 to do something might be also, or just maybe even a shout out - "Stop in insanity...." Side note: I am not an authority by any stetch of the imagination regarding facebook. Just spent too much time trying figure it out myself so thought this might help others.

ssfranny: (March 04, 2010 1:16pm)

I don't know even if they get rid of HVCC I think the lenders will still require ordering through them. I just got a conventional one back and it came in higher than I thought with 7!! comps. Looks like we're getting more local appraisers doing them now.

JerrysCorner: (March 04, 2010 1:07pm)

to: Appraiser Mtge Broker R.E. Agent. Wow, really? FHA doesn't require inspection of the crawl space & attic? Have you read their requirments? "head and shoulders inspection" of both, dude. That's such a no-brainer.

Appraiser Mtge Broker R.E.Appraiser: (March 04, 2010 1:01pm)

Yeah puncher, go gettem. lol

5pence: (March 04, 2010 12:57pm)

To Il & IN appraiser - I believe HR 3044 was incorporated into HR 4173 which is now being tossed around by Dodd and Cocker. Google it for the latest updates. Miller 1 : The only solving of the problem with HVCC is getting rid of it. I believe in NJ they are pushing state regulation of amc's, as are other states, that we hope will get rid of amc's.

5pence: (March 04, 2010 12:52pm)

The problem with amc's is the appraisers

Miller 1: (March 04, 2010 12:48pm)

OOPS the tab is 20/20 face book

Miller 1: (March 04, 2010 12:47pm)

ATTENTION All APPRAISERS The Ill Appraiser stated there is disccussion tab to direct ot the sidcussion board about AMC's LETS DO IT NOW!!!!!!!!!!!!

MortgageBlues: (March 04, 2010 12:31pm)

Real Appraiser, regardless of your market area if you are providing your highest quality appraisal based on accurate data then you should be able to support your determination of value with viable evidence. No homeowner, real estate agent or mortgage lender can dispute the facts. You do not need to ‘feel pressure’ if you can competently defend and argue reasons for your opinion of value. I am sure all of us in business have had people ask us to do something illegal at least once. Did I feel pressure? Not really because l know there are people in this world who are fundamentally dishonest and if you give in to them then you risk not only your reputation but possibly your license, your lively hood and going to jail. We do not have to take every loan application or appraisal order to stay in business. We can just say NO and focus our efforts on honest business transactions. We do not need HVCC to keep us honest.

T Kelly: (March 04, 2010 12:30pm)

Comments : Got a call directly from one of the mortgage rock stars last night...Brian Stevens called my to help me answer a question for my wife who is suffering from breast cancer and took over 20 minutes just to answer some questins I had about foreclosure, short sale or modify... Here to Brian for taking time to help...Thanks again Brian !

The Puncher: (March 04, 2010 12:29pm)

Hey Appraiser Mtge Broker R.E. Agent, do you want me to go punch this guy in the face? I think he needs a few quick jabs from the Puncher?

Appraiser Mtge Broker R.E. Agent: (March 04, 2010 12:26pm)

Attire is Relative, Wow! Now you know why I called you a retard. Aren't you a little potty mouth. I'm not in CA, try the other side of the country. I never said suit, it was dress shirt & tie. See the pattern here? Your wrong, you don't pay attention, you don't get it and you don't dress well. Your knowledge of the world is very impressive. You must give a lot of speaking engagements. You should write a weekly article with your great knowledge and superior ability to communicate with others. Know a lot of billionaires in the Texas oil business? And they don't wear suits? I'll have to remember that one. And I don't think you’re an appraiser either. Appraisers are not requiring to, nor have I ever seen or heard of, nor does FHA require appraisers to, crawl on the ground under homes or crawl around in an attic. So I'm thinking maybe you’re just a fat bastard that likes to try and start trouble in rooms, on sites, blogs, things of that nature. I’m afraid I have no more time to give you.

Miller 1: (March 04, 2010 12:22pm)

I have read many times in the blog that New Jersey has solved the problem with HVCC. What have they done?

Il & IN appraiser: (March 04, 2010 12:20pm)

appraiser says: (Mar 03, 2010 08:08am) Frank and Brian you seem to have forgotten appraisers because you do not give information the HVCC and FHA. What is happing to the HR3044. What can we do to push that along

TheFyouSay: (March 04, 2010 12:02pm)

@puncher good to see you and your strong pimp hand back! Keep swinging for the fences!

Mook Hunter: (March 04, 2010 11:56am)

Gung Hey Fat Choi!!!

5pence: (March 04, 2010 11:21am)

Real appraiser: I worked for brokers where if the value wasn't there I told them to save the client money & my time. I've done appraisals where it's the homeowners last hope & they've scrimped to get the appraisal fee for a home that won't appraise anywhere near what they need. I consider it a public service. If you call a plumber, lawyer or a doctor, they'll give you their opinions over the phone, so why not appraisers? If the homeowner wants to know the value upfront then they are uninformed of what we do. Let them get out & do some research if they don't have the internet. Scout listings in their neighborhoods. As far as going back to broker-ordered to their favorite appraisers, I really don't think that's going to happen. FHA just stated that will not return. I liked it, but it now has a huge negative attached to it thanks to the banksters. What other alternatives do we have except to move on? There's free MLS on-line almost everywhere, so there's really no excuse to be uninformed.

joecolorado: (March 04, 2010 11:16am)

PUNCHER-PLEASE STOP USING OXYMORONS......HVCC-APPRAISER

SimpleSolution: (March 04, 2010 11:15am)

real appraiser-I agreee with what NAIHP is doing by having all parties involved sign a document agreeing to no influence or pressure. That is actually a brilliant idea and will solve the problem.

The Puncher: (March 04, 2010 11:11am)

I did it again, I just punched another HVCC appraiser today, he completely ruined the report for my clients and i had no other alternative but to track him down and give him a good sock in the piehole. Seriously $50k under value deserves at least two quick jabs in the teeth! Needless to say he was not too happy but seeing him squeal like a baby was worth it

ILL Appraiser: (March 04, 2010 11:11am)

5pence-Then maybe the postal service can keep delivering on Saturdays. Not that I need mail delivery on Saturdays. Got no checks comin' in....

5pence: (March 04, 2010 11:06am)

If somehow the client is made the homeowner, appraisers should all get PO boxes - just in case lol.

MortgageBlues: (March 04, 2010 11:03am)

5spence-HVCC is an example of what we get when the government attempts to regulate rather than prosecute.

real appraiser: (March 04, 2010 11:03am)

5pence: Your solution suits your market, our market-homeowner wont pay until he gets info up front that he wants. I understand what you are saying, it would work in some areas, not all. It can't work for you and not for others, NAIHP wants a document signed by all parties broker,realtor,appraiser,owner that no influence or pressure. Let anyone order appraisal and follow regs in place to go after those that pressure. Would'nt this solve everyones problem. It is not my job to worry that UW in alaska that wont do their jobs. I am honest, if you are too, than we should get work from anyone and collect our fees from which ever party wants or need to pay. The solution has to work in all states or we are still divided and out of 116k appraisers total, how many just keep their lic act, but are not involved, how many have lic/certs in several states, that 116k is probably more like 80K, now divide it by 50, not so many of us, really. We need to work together for a solution for all, not just few

5pence: (March 04, 2010 10:59am)

I should clarify that comment - Everybody deserves a home but not everybody can afford one - that's just the way it is till things change and we go back to a gold standard base for money.

5pence: (March 04, 2010 10:55am)

real appraiser : let them pressure all they want, you can just say NO and go on to the next appraisal. If pressure is successful on an ethically weak appraiser that cares nothing about their license or livelihood, then they get busted at review or underwriting. 1 less bad appraiser. I think we can get rid of almost all bad appraisers in less than a year. Just like not everybody deserves a home, not everybody deserves to be an appraiser like the amc's would have you think.

5pence: (March 04, 2010 10:49am)

real appraiser - if it's the only way you make it work. As I stated before, we are Federally protected entities. Don't fk with us - you do so at your own peril. Hand the homeowner a description of their rights in the whole process and make them sign it. It can be made to work. I see no other way that isn't corruptable to any significant degree. You have fraud, it's traceable to 1 homeowner and 1 appraiser. Easy-peasy for policing. The state boards are swamped trying to fight fraud. Make it easier on them to do their jobs.

5pence: (March 04, 2010 10:43am)

MtgBlues: That's why I call the HVCC an abomination. It actually rewards unethical and borderline or actual criminal complicity and conduct. The banks have demonstrated their absolute power in not being prosecuted for their crimes, being bailed out for failing us all and given total control in mortgages. It took criminal and immoral activity to make them that big and it's going to take more of the same to keep them that big, or bigger. The unrepentent banksters are rewarding their own, fraudulent, incompetent and inept appraisers that are being elevated to replace moral and ethical appraisers by continued preferential use of them due to low fees and inexperience they can manipulate.

Attire is Relative: (March 04, 2010 10:43am)

For Real: Come on, while this may technically public, this forum is intended for us folks in this Industry...this isn't E-Harmony or any place that we have to be PC. We need a forum of such caliber where we can be "Frank" and brutally onest with one another, and share opinions. Also, PC is exactly what is worng with America right now and our Politicians. Politiclaly Correct ....you do know that there is little truth in PC. Let the people see the brutal honesty of our industry, it may be refreshing to some instead of oatmeal cookies and suit and ties...that's afront or FLUFF.....Americans want the truth and are tired of FLUFF piecs. So I say rock on and be truthful even if it's not PC, home woners have had enough of PC hiding behind fancy water fountains and oatmeal cookies....let's see how this thing really works.

real appraiser: (March 04, 2010 10:39am)

5pence: maybe my market is different from yours. Our state has no disclosure so homewoners are lost to what their value is, only a realtor or appraiser has access to sales data. Homeowners are usually shocked (good or bad) when the value comes in. For that reason, in my market, I assume many others as well, homeowners try to pressure in a direction that favors them, even if its for a mtg, divorce, tax, market value for sale. most brokers dont have access to the sales info so they really on us and cant pressure since they have no clue and zillow does'nt really work here. So, as many appraisals I have done for home owners for mtg, sales,tax, etc, it is MORE pressure and less from brokers. However, in the other states I have worked, such as florida, homeowners had an idea based on quick searches from public record online, less pressure from owners but more from brokers. See, the solution does not work everywhere, This is all I am trying to say. different markets, different problems.

MortgageBlues: (March 04, 2010 10:36am)

5pence-I agree. That is why I hate HVCC so much. Appraisers are ultimately responsible once they conduct business unethically or legally. Only those weak appraisers who give in to perceived pressures from clients should be punished.

lolaba: (March 04, 2010 10:34am)

I just received this from DRE CA TODAY! Licensed Individual Brokers and/or licensed Officers (on behalf of corporations), applying for a Mortgage Loan Originator license endorsement, MUST SELECT the Real Estate Broker License type when completing the Form MU4 filing on the NMLS website. DO NOT select Broker/Officer Only type as you will incur additional NMLS system fees that will not be refunded! In addition, approval has been granted for individuals who are currently licensed by DRE to obtain certification that the pre-license education requirement has been satisfied based on the education completed to obtain their DRE license. If you wish to participate in this process, licensees must file Form MU4 on or before August 31, 2010. Please note that as part of this pre-license certification process, you will be notified by NMLS&R via email regarding a mandatory $15.00 system fee after July 1, 2010, based on our current information.

For Real: (March 04, 2010 10:30am)

WoW!!!! seriously, the comments in this chat area?And to know that 99% of you are suppose to be professionals. Keep in mind that this discussion area is viewed by all who receive the emailed videos, including clients, friends, family, other professional, politicians, etc. As an industry we want to be taken seriously right? So why all the demonstration of unprofessional immaturity in a public, PROFESSIONAL media source. PLEASE, Clean up your act or stay off the site.

TammiMort: (March 04, 2010 10:29am)

Could we get back to Mr.Mason? This is boring! I want more shirtless appraisers like him!

5pence: (March 04, 2010 10:28am)

I don't understand real appraiser, really. Why are you upset? I just answered the question you asked. That's all. You don't see the advantages of having millions of client as compared to having just 2 or 3 clients?

5pence: (March 04, 2010 10:24am)

MtgBlues: The appraiser has to disclose any previous relationship with the client. If there's an appraisal near me on my street, I turn it down. Same with friends and relatives. If the appraiser chosen is competent - no problem. If the homeowner is picking his appraisal buddy and that appraiser isnt competent then they get busted at underwriting. Fraud is traceable to 1 homeowner and 1 appraiser. Easy for policing. When you're an appraiser you have to ask yourself if your license and livelihood is worth throwing away for $450. No way, not even for family. Maybe a $1 million ;^) - but that isn't going to happen.

real appraiser: (March 04, 2010 10:17am)

5spence: I am sorry I even tried having a CIVIL conversation with you, You are a what you are. I never had pressure from my clients, the brokers, they ordered it, I did the appraisal, yes I notified them when there were red flags, illegal additions, wrong gla or data that affected report, before I went to property. If homeowner thought home was 200K, and no sale supported it, he took risk of appraisal, not broker or appraiser. I have no problem with competition, but you childish responses really reflect who you are. Too bad you could not get brokers who did not pressure you, maybe its your market area or just your personality IMO. You rant everyday about going after CUOMO with ads, Now someone else is doing it, Have you joined to help or is ranting all you do. If you choose to rant in your response, I am not gonna bite, try to be civil for once in your life, YOU ARE THE REASON APPRAISERS WILL NEVER GET ALONG. YOUR EGO AND ATTITUDE IS OBVIOUS WHEN SOMEONE DISAGREES WITH YOUR OPINION.

5pence: (March 04, 2010 10:15am)

I started out wearing nice clothes as an appraiser. Day 2 and I was measuring a house and had to crawl behind some bushes. My nice suede leather coat got green stains all over them and my pants too. It rains a lot up here so forget dress shoes if you have more than 1 appt. I dress blue-collar with a hat and sneakers and a coat I can throw in the wash. It's not clean work around here and there's plenty of bugs. Wearing a suit just says to me you're not really a professional. It's like a girl wearing high heels to go camping lol

MortgageBlues: (March 04, 2010 10:15am)

5pence- I for one, like the concept of your idea. However, what would you say about the concern over a homeowner picking his appraiser buddy to do his appraisal?

CornerstoneKathy: (March 04, 2010 10:09am)

5pence I agree. Its not a popular idea but I think it could work. Either way I also think it helps guarantee geographic competency.

5pence: (March 04, 2010 10:04am)

Real appraiser: Are you afraid to let your experience & reputation in your market be your ticket to success? A client base just leads to pressure to get value-screw ALL pressure. Why don't you understand that there are millions of clients when it's the homeowner so you can just say NO if you feel any pressure whatsoever-there's millions more clients out there. The largest ad gets the most work?? LOL. Not if their appraisals are crap and don't pass underwriting. You think AAAA Appraisals will get all the work because they're first in the ad space? Haha. Look, there's plenty of work for everybody at full fee if the homeowner is the client. I never needed to advertise & don't really see a need to in the future if the homeowner is the client. If it's busy you think the homeowner will wait 4 weeks for Mr AAAA Appraiser? Think. Brokers & realtors can give out a list of appraisers they recommend-at least 4. Give the homeowner the choice-it's their friggin home! Don't be afraid of competition.

Attire is Relative: (March 04, 2010 9:57am)

CONTINUED....Oh, and now you are a tough guy now so you carry a weapon with you to the ghetto. First you put the target on your own back, and then you carry a gun....like you are a frat boy antaganizing a confrontation. Uhh....what about states where you can't carry....uh, again moron, it's all relative. Do you think multi millionaire texas oil tycoons wear a suit to conduct business.....NOPE.... Again. expand your knoweldge of business country wide and not just your little area or state where you are from. I know of many blue collared work folks that say "I don't trust anyone in a suit"....come on, you never heard that cliche before....this obviously effects your precious ego.....shine those shoes buddy, still wont make you more of a man...got get em hollywood

Chad Jay (broker/mma fighter) google me: (March 04, 2010 9:57am)

I want that shirtless appraiser to the right inside of me....like RIGHT NOW.

JT: (March 04, 2010 9:55am)

Guys - you blew it. Score -1 on credibility for insulting Sullenberger's retirement. The guy is a recognized national HERO. At his age, it is both usual and customary (and unpressured) for experienced pilots to retire. To present it as he had enough and threw in the towel (as some of our politicians are doing) is just mean-spirited, unprofessional and weak. And then - mark your calendars for 6-10 months from now. In my opinion, China will be in a BIG world of hurt. They have so much over capacity - that has fed the world's manufacturing demand, that when the European and US economies tank (again), they will have no place to go, but down with the rest of us. Overall - Strike 1.

Socal Broker: (March 04, 2010 9:54am)

Toby: The kid was directing air traffic, not ground traffic. Frases like "Clear for take-off" or "Contact Approach (or Departure)" are ALWAYS used for air traffic. Ground control covers taxiing between points on the ground. I think this whole thing was somewhat overblown, since the kid was only repeating his dad's instructions. Dad the controller was in control of the situation at all times. The pilots enjoyed this too

ustlarso: (March 04, 2010 9:53am)

Can we get a larger picture of Mr. Mason please? Real men don't need a shirt to appraise your home. :)

Attire is Relative: (March 04, 2010 9:52am)

To: Appraiser Mtge Broker R.E. Agent, well there's Irony at it's finest. A guy preaching prefessionalism and then calls some one a retard. LMAO. It just shos that someone like you has no relation to how the rest of the country works....your from CA right.....bet a 1,000 on it. Your pretentious behavior shows it. Like another Appraiser mentioned prior to you, why in the heck would you wear a suit to crawl around in an attic crawl space and get insulation all over you and then crawl under someones home and get mud all over you. It is realtove moron, and that is all I am saying. It's evident that you have an ego problem, because being called SIR is important to you. Attire should be relative. A suit and tie on everyday is absurd and shows you have smll penis syndrome....you are lacking somewhere, so you feel you have to over compensate in other areas. Youy are people we see on the news where they were in the ghetto and were car jacked....I have no sorrow for morons like you

5pence: (March 04, 2010 9:51am)

Guys, how come you said the Pacific NW Summit and RE Barcamp was $250? It's only $69 for each day pre-registered and $79 at the door for each event. I'll be there.... Unlike RE Barcamp, the Pacific NW Housing Summit is “structured” with two sets of expert panelist. The $69 pre-registration fee does include a gourmet box lunch–group discounts are available until March 12, 2010. These two events do compliment each other and we hope to see you at both, the Pacific NW Housing Summit on March 18 and RE Barcamp on March 19, 2010 at the Seattle Center. Clock hour credits are approved for some and pending for others. http://www.pacificnwhousingsummit.com/

or appraiser: (March 04, 2010 9:50am)

I talked to James Mason today. He simply stated that he just hopped on to AOL and found the picture of the "Godfather" logo. Copyright infringment doesn't seem to bother him. I am sure he is an ethical appraiser though, as he thinks this is not a problem. When you are advertising to 1000's of people perhaps you should review the content with a second set of eyes.

TammiMortg: (March 04, 2010 9:50am)

So what if Mr.Mason has his shirt off? He looks great and it catches peoples eyes...isn't that the whole point of advertising? I think the men are jealous.

real appraiser: (March 04, 2010 9:44am)

5spence. We have had our differences in the past, but let me ask you a serious question. Pre HVCC, we had our clients, the brokers, if homeowners are allowed to order appraisals, this does not allow us to have (the prior) relationships so we can grow our client lists. If the homeowner orders the appraisal we still have no client base. If the broker orders the appraisal (like pre HVCC), we get our clients back. How is allowing the homeowner to order ever going to supply client based work as the biggest ad in the phonebook will get all the work, most likely a national appraisal firm (like forsythe, etc) and the NAIHP is now planning ads like you wanted and focusing on NY and Cuomo so they will not be ignored. Their words, not mine. I am asking for a civil discussion on your thoughts about broker ordering appraisals, which I prefer since we have had established no pressure relatinships, where homeowners,typically apply more pressure as they have a specific goal (MTG,tax,div,sale,etc).

OregonAppraiser: (March 04, 2010 9:41am)

to sinkingship: I always respond to these low-ball AMC's with the fee I would be willing to do the job for. Sometimes I am passed on and sometimes the fee is accepted. Don't assume that their first offer is their final. I'm starting to think that we should encourage the lenders to inquire of the AMC they are using what percentage of the appraisal fee goes to the appraiser. There should be a strong correlation between higher percentage/superior work product.

MortgageBlues: (March 04, 2010 9:40am)

Mason Appraisals- I do not how much money you paid to place this ad but you definitely got your money’s worth because we can’t take our eyes off of it!

bobbo: (March 04, 2010 9:37am)

What concerns me far more than Mr. Mason's lack of clothing is the logo at the top right. A marionette with the word APPRAISER. Are you kidding me?

CornerstoneKathy: (March 04, 2010 9:35am)

Thanks Spearo

Spearo: (March 04, 2010 9:27am)

Cornerstone Kathy; Go to http://www.naihp.org/index.php ; click on "in the news" & "legisl.issues". on the left. After reviewing you can email him & he can forward his proposals to you. I've reviewed them & this appears to be the best hope for us (appraisers). We have a limited window here with the HVCC code & possible amendments this fall so now's the time to get involved. To all of the other appraisers out there on this post- get off Mr. Mason & his lack of shirt- & get involved. Keep your "eye on the ball" & that's HVCC.

Vandenclogs: (March 04, 2010 9:24am)

I would totally tinkle with my winkle with that realtor mrs Vandenclogs who won sexy fest except this would be 20 years ago, time to update the picture mrs vandenclogs so people don't think they meet your daughter on appointments.

MasonAppraisals: (March 04, 2010 9:22am)

12:20 MasonAppraisals: This is in response to those that had a problem with my banner. 1. The shirtless thing was for "sexyfest" remember?? 2. Some of you got the joke with the Godfather reference..others were caught up with a "puppet"reference. For the record the JOKE was the Godfather reference...so all of you get the joke or we are going to send Vito down there to take care of you!

Barney Frank and the appraiser: (March 04, 2010 9:19am)

dude Bobbo you are so correct, I thought that james Mason the appraiser was kidding with his picture, holy crap what a moron. He looks like a dirty male stripper that Barney Frank would love to get his greasy little fat fingers on. Seriously James this is planet earth and not Mars you work on

CornerstoneKathy: (March 04, 2010 9:17am)

This is just regurgitated info but NAR sent this out yesterday to its agents. We have been marketing to realtors to do appraisals at the time of the listing or on listings that they feel are over priced. We are getting some good feedback. I think this is a good tool to take with you. http://rebac.net/pdfs/tbr/Feb%202010.pdf

Chick on Top: (March 04, 2010 9:16am)

Can you please put the Sexy chicks business card photo on top and the dude on the bottom, so when I watch the video I can look down and see her and not him. NO offense, but he doesn't do it for me and she....well she does. I liked the way you had it laid out before.

MortgageBlues: (March 04, 2010 9:10am)

Why picket only Banks? Andrew Cuomo came up with HVCC, not the banks. Although the banks certainly played a role in contributing to the housing crash it was our government law makers in Washington DC that were ultimately responsible. In the late 90’s when president Clinton was in office, the government started pressuring banks to do more home loans for people with low income and poor credit. The government’s idea was to increase homeownership among minorities and poor people who typically had poor credit. In response to this strong arm pressure, banks started taking sub-prime loans and when Wall Street had investors lined up for these high risk loans, which they packed as A paper, the demand for these loans exploded. Our government failed to take heed of the rising risk. Exclusively sub-prime mortgage lenders were popping up everywhere. Competing banks had to come up with more and more creative financing terms to insure their loan volumes. Ultimately, these high risk borrowers started defaulting on their loans in huge numbers finally bringing the entire world economy to its knees.

5pence: (March 04, 2010 9:04am)

The noly way to stop banks choosing "preferred appraisers" and to stop AMC's from picking their favorite skippies due to low fees and no one using a rotation for appraisers, is to install the borrower as the client. It's the only way to stop this collusion and corruption of the process that the banks have. It's the only way. A lot are going to say Never! But it's the only way unless someone can suggest another way. Since it's the only way to insure appraiser independence, a lack of pressure and full fees paid at the door, I'm sure it can be made to work. As long as banks control the process it will be corrupted and corruptable in any ways they can think of. Who do we pressure for this type of change? The ASC or .... Forget the organization that are for appraisers in name only. Unless someone can come up with another way that is incorruptable by the banks - it's the only way to get back our profession and the respect we deserve. Who do we pressure with logic?

CornerstoneKathy: (March 04, 2010 9:04am)

I would like to know Marc Savitts position/solution on the HVCC before joining. Maybe he could come on for a live show?

I-405: (March 04, 2010 9:00am)

If directing GROUND traffic is not dangerous, as said by toby, maybe we could save millions of dollars if we employ these kids in our airports on a regular basis. As if there are no ground traffic accidents in airports.

GODLIKE: (March 04, 2010 8:48am)

Cut him some slack, Jame's pic was for SexyFest not for meeting clients. And I wouldn't wear a shirt and tie if my life depended upon it. Wait it does. I've had 2 small strokes that the doctors say were aggravated by a tie. I'll never wear a tie again, my life does depend upon it.

Axelknows: (March 04, 2010 8:45am)

Well,while I don't have any issues with eye candy in the RIGHT set of circumstances, I would never, ever,ever use an appraiser who has an advertisement like that... Not appropriate, I hope it's just a joke.

toby: (March 04, 2010 8:42am)

YOu guys are as bad as the Main Stream Media. Your video makes it appear that the kid is directing air traffic. Not true. He was directing GROUND traffic. Although it was a viloation of FAA rules it was not dangerous. This is a media-hyped story.

G-Appraiser: (March 04, 2010 8:41am)

James looks good to me.He can appraise my house anytime. (If I had one) :-). Too bad he is not in CA.

Boingk: (March 04, 2010 8:41am)

In the Mercury Network, I know of a broker/originator who restricts their fee panel appraisers to only those that they know. Like only 2 appraisers. That way, all orders go to these 2 appraisers all the time. Why would they restrict themselves to these 2 appraisers is quite obvious. In fact, they can alert these two appraisers ahead of an order. So what HVCC are we talking about?

vewy happy: (March 04, 2010 8:35am)

Teachers and cops, keep buying import cars - china is vewy vewy gwateful, and will own you vewy vewy soon. chao

Boingk: (March 04, 2010 8:32am)

The marionette is a kinder symbol. A dog leash is not far-fetched. Or a bone.

5pence: (March 04, 2010 8:31am)

You guys should have asked James if that's the photo he wants up here. It was entered for a "sexy fest" and not for business, so get off it guys. You want to tell Cuomo how you really feel? http://www.andrewcuomo.com/free_details.asp?id=7 . Also got this : To fellow jaded New Yorkers who think they've heard it all, I humbly offer this: Rick Lazio is the new Scott Brown. http://www.nydailynews.com/opinions/

GTS: (March 04, 2010 8:31am)

Hey guys can't wait to see you here in Seattle. I do want to point out that the RE BarCamp is FREE!!! The only cost is for summit on the 18.

LO: (March 04, 2010 8:26am)

Just want to comment on China, once the home is purchased in China. The consumer does not have a year property taxes, it is a one time purchase along with the property taxes. Not only there is no yearly taxes, the home is 100% percent owned by the consumer unless the government is going to redevelop the area that is only when they will buy your home off. Other than that the home is totally 100% owned by the consumer with no yearly taxes and they only pay $100 American dollars of maintance fee. I know this because my friends and family live in China and owns at least 6 homes because of the advantage of no property taxes in China and Hong Kong.

LO: (March 04, 2010 8:25am)

Just want to comment on China, once the home is purchased in China. The consumer does not have a year property taxes, it is a one time purchase along with the property taxes. Not only there is no yearly taxes, the home is 100% percent owned by the consumer unless the government is going to redevelop the area that is only when they will buy your home off. Other than that the home is totally 100% owned by the consumer with no yearly taxes and they only pay $100 American dollars of maintance fee. I know this because my friends and family live in China and owns at least 6 homes because of the advantage of no property taxes in China and Hong Kong.

bad taste: (March 04, 2010 8:24am)

I just noticed mason appraisals is hosted by AOL, their is another trustworthy example for your buisness plan. Are you trying to destroy th e reps of all appraisers single handedly?

bad taste: (March 04, 2010 8:17am)

Bobbo, I completely aggree. I saw this yesterday and thought you don't get any more unproffesional than going shirtless on a buisness card. Is he trying to say he is a puppet thet you can pull his strings for value, or a hardcore gangster like the Godfather. Either way, it is just bad, and one of the worst examples of an appraiser identification I have ever seen. He must be rolling in the dough with a rep like that.

Don-LV: (March 04, 2010 8:13am)

The ad for the appraiser about sums it up - doesnt it. I mean, werent the appraisers simply puppets on a string at the control of the bankers !!! Id say they were. Hmmm I wonder why values went up so fast.

So Cal Appraiser Steve: (March 04, 2010 8:10am)

Today in LA, teachers and parents are staging a walkout protest, a National Day of Action, to protest teacher layoffs and oversized classes. Getting lots of TV and press exposure. Hey APPRAISERS & BROKERS---a day or three of protest, with flyers and signs, in front of the "Too big to Fail" banks, Chase, Citi, Wells, BofA, etc. They have collected a portion of our fees, have paid back their Hamp free money, with our fees, and now giving BIG BONUS's to salespeople and execs, who were directly responsible for the decline of the financial institutions and out professions. Big Bonus at our expense. We cant even pay our mortgages, credit cards, data sources and overhead. Thursday, APRIL 1, Friday April 2 and Saturday, April 3, we need to stand in front of banks "Too Big To Fail", with flyers and signs, informing their customers of their thievery, their future loss's & overcharging fees, big bonus's for their failures, coming out of their customers pockets. LET THEIR CUSTOMER KNOW THE TRUTH!

Spearo: (March 04, 2010 8:09am)

To Real Appraiser: I agree with you on joining Marc Savitt & his NAIHP lobby. The brokers need to be back in the ordering process to 1) maintain portability of the appraisal & loan. 2) better protect the consumer. 3) allow for the normal business relationship between brokers and appraisers. As an appraiser, this is the only way to protect your future & maintain our independance. You can always say no to client pressure and just move on to new business if you need to. In the current system we do not have that option. Being an appraiser for over 20 yrs, I believe this is our last option. The talk of a union or guild is not the solution due to our fragmented nature. If your an appraiser or broker, you need to join Marc & his efforts. Come on- it's only $50/yr and he's done more than any other person I know to rid us of HVCC.

sinkingship: (March 04, 2010 8:00am)

I'm part of the Mercury network, but I get AMCs coming thru Mercury offering me $200 when it says $350-$400 on my profile. My concern w/NAIHP is right now, if not addressed, a customary fee is $200 or less and then they want me to pay an additional $10 on top of that. The wording in their document is not clear to me. If we could roll back before HVCC, then I don't have a problem paying $10 per appraisal, but not on top of the crap fees I'm already turning down. I just want a bill that isn't so vague. I need clear AMC regulation and MY customary fees reinstated. Hopefully NAIHP will draft a final document with more clarity for appraisers - then I'm in for membership.

joecolorado: (March 04, 2010 7:56am)

attire is relative-but it shows the type of respect to the person who's house you are ap88ing.If you have no respect for yourself then dress in cutoffs but who would want to hire you dressed like that?and who would trust your opinion as an expert dressed below what really is expected of a professional in a professional environment. I go into attic spaces and I go into crawls,but I wear chinos or khakis with a golf shirt,both clean and pressed.I dont wear a suit (out of court-expert witness testimony)as it would get ruined,but there is a time and place for everything and the dress code dictates what you are and what you profess to be.Have some pride in your appearance,but be smart about it.

joe: (March 04, 2010 7:53am)

Did that guy really take his shirt off for the appraisal ad. REALLY! I mean REALLY!

joecolorado: (March 04, 2010 7:46am)

I am almost sure that in Colorado we are not allowed by law to collude to set our fees as it is against free trade.The AG would be knocking on your door with that one pretty quick I am sure. The ap88r cannot set the fees but the amc is permitted to, what a joke.LOL

Appraiser Mtge Broker R.E. Agent: (March 04, 2010 7:46am)

Attire is Relative, Hey retard; I hate wearing a dress shirt and tie. Never owned them until I got in this industry. It makes a huge difference. I just appraised a house in the "worst part of town”, I'm not in a "city", and I did wear my shirt and tie and had my fancy car. I was also packing a GLOCK21 - 45 Cal. with night sights and hollow point slugs. I dress for success and to respect my industry. The shirt and tie keeps people from calling the Po Po on me when I'm walking around other people's homes and driving through the hood, real slow, snapping photo's, looking like I'm spying. People call me Sir, answer my question, help me out, etc. I get a lot of R. E. question, make contacts and now have two clients that would like to by a home after I informed them they cost $15,000 to $20,000. That's 2.5 years rent money for them, then their homeowners! I knew that the ad was, most likely, some sort of mix up or spoof. I’m just having fun. I could go on all day with my experiences with sh

joecolorado: (March 04, 2010 7:43am)

obo-isnt that a parody of the "Godfather" logo?

joecolorado: (March 04, 2010 7:42am)

AlaMode and the Mercury system charges a $13.65 fee for giving you appraisals-THEY ARE an amc.The fee has to be paid PRIOR to you getting the fees paid from the originating amc,in fact the fee is to be paid with a credit card number the second you accept the commission. Thanks a lot Alamode. talk about screwing your clients.

Mercury Network: (March 04, 2010 7:36am)

@ Sinkingship - a la mode publishes the Appraisal Fee Reference which gives you a baseline on what's reasonable and customary for an appraisal fee. It's a guide to the median and average fees observed between clients and independent fee appraisers - no AMC orders are included. You can learn more and download the report for free at http://www.mercuryvmp.com/analytics/reports.

real appraiser: (March 04, 2010 7:33am)

sinkingship: You are right it is not clear, but it seems that we set our fees since you will be taking orders from you old clients like before. the fee collected would be for fraud cases where the parties acted inproperly. This appears to be outside of AMC work, the way it was before. If this is right, your old fee less 10 bucks with you old clients is better than no work or AMC-50% fee. I can not imagine any other variation since this would get the broker back in the game with "skin" in it. I would have to adjust my old fees up based on current expenses anyway, 10 bucks lees would be ok if I could get my old fees and old clients back. its not perfect, but best solution offered so far. Yes I prefer HVCC go away, but if it does not, 10 bucks is better than half my fee. I LIKE THAT THEIR STRATEGY IS SO THAT CUOMO WILL NOT BE ABLE TO IGNORE THEM.

TechnoTony: (March 04, 2010 7:25am)

Let's talk about Annie Gulosh

HAPPY DAYS: (March 04, 2010 7:24am)

JUST RECEived this MPORTANT INFORMATION REGARDING LICENSE TYPES AND PRE-LICENSE EDUCATION REQUIREMENTS FOR MORTGAGE LOAN ORIGINATORS Licensed Individual Brokers and/or licensed Officers (on behalf of corporations), applying for a Mortgage Loan Originator license endorsement, MUST SELECT the Real Estate Broker License type when completing the Form MU4 filing on the NMLS website. DO NOT select Broker/Officer Only type as you will incur additional NMLS system fees that will not be refunded! In addition, approval has been granted for individuals who are currently licensed by DRE to obtain certification that the pre-license education requirement has been satisfied based on the education completed to obtain their DRE license. If you wish to participate in this process, licensees must file Form MU4 on or before August 31, 2010. Please note that as part of this pre-license certification process, you will be notified by NMLS&R via email regarding a mandatory $15.00

TechnoTony: (March 04, 2010 7:22am)

Please Enough about A. James Mason...I think we all have something better to do...like work

HAPPY DAYS: (March 04, 2010 7:20am)

And they think brokers screwed up the systems

sinkingship: (March 04, 2010 7:17am)

real appraiser - I read a draft of their proposition, but I didn't see anywhere a customary fee for appraisers? Do you know if there is one? I just saw an additional fee of $10 for the appraiser to pay. I hope I missed something. I'd love to get behind their campaign, but in what I read, I didn't see anything there that would help me - the appraiser. Did you see something I missed? Please, give me good news! Having a national effort right now would be amazing. I joined CCAP, but I'd join both if it helps appraisers faster.

Common Sense: (March 04, 2010 7:12am)

Ain't Drudge great?

joecolorado: (March 04, 2010 7:12am)

A.James Mason must be an advertizing guru as he got EXACTLY what the advert needed to do......to get people to look at it and to react to it. Good job...pity the marketing is mostly a waste of money due to the method of selecting an appraiser, but in any event a good job of marketing a product.

Attire is Relative: (March 04, 2010 7:11am)

Just as creepy as Realtors taking pictures with their spouses on their business cards that make them look like swingers. Or a Realtort that puts a picture on the card from 20 years ago. Look, isit a little weird, yep, but I know of any places in this country that be attracted to that, so again, I say relative.....I know of 4 cities of the top of my head where that pic would do very well

Missy: (March 04, 2010 7:07am)

OOOPS Mason not Nelson. Anyway, that is creepy

Missy: (March 04, 2010 7:05am)

A. James Nelson needs to put on a shirt. His card says "something is very WRONG with my EGO". Good LORD

relax: (March 04, 2010 7:05am)

Didn't most of us get into the appraisal business because we are independent thinkers and don't want to deal with corporate BS? I used to work for someone who always wanted appraisers in business wear, but when you have to inspect an attic in a rat infested foreclosure - suit, really? I live on the West Coast and I work for myself partly so I can wear shorts in the summer and be comfortable when I have to inspect a crawl space - I agree, it depends where you work, but don't hammer the guy - he's trying to make a living like the rest of us!

anne: (March 04, 2010 7:05am)

I agree with Nuke 'em 'til they Glow and shoot them in the Dark!I have not purchased anything in Wal-Mart for a very long time.

real appraiser: (March 04, 2010 7:01am)

I have not seen any comments regarding the NAIHP's attempt to address HVCC from the guys or any posts. Some of you might be happy to read that they also state in their letter to members "NAIHP is in the final stages of preparing a nationwide public awareness campaign, with a special concentration in NY. This campaign will begin in part- tomorrow! In the coming days, you will be notified how you can participate". Its not perfect but I am glad I joines. Anyone else get this e-mail? Any thoughts?

Anonymous: (March 04, 2010 7:00am)

Mr. Mason was a participant in the "Sexy Contest", so was everyone else in the Links & Docs section. I'm assuming this is not his standard advertisement...

Attire is Relative: (March 04, 2010 6:59am)

So please, don't be so one sided on this. Another example when you are meeting clients say in a much less desirable neighborhood for a loan app, you certainly don't drive your mercedes into that part of town with your suit and tie morons. Not only will you have a traget on your back and cry to the police when you got mugged, but you will come across intimidating, irrelevant, and pretentious to that family. That family wants to be comfortable with their transaction with someone that may know a little bit about their culture and demographics.....seriously here. Anyone can get a $2000 Armani Suit, the suit makes you look good, to some folks, not all, but the suit will not make you educated or relevant. Be smart and strategic with your dress attire. It may be a suit one day, and jeans and nice button down the next.

CornerstoneKathy: (March 04, 2010 6:58am)

In fairness to Mr Mason it looks like his photo was cropped from his photo submitted for SexyFest where he was out fishing when his attire was appropriate. I dont think he intended for that to appear as though it was his business card. I am just glad Fred doesnt have a picture of him in his boxers on his business card!!

Nuke 'em 'til they Glow and shoot them in the Dark!: (March 04, 2010 6:58am)

Hmmm sounds like the Russian used one of the Realtors I've met during the past few years. Por fellow

Nuke 'em 'til they Glow and shoot them in the Dark!: (March 04, 2010 6:55am)

Even weirder than Blagojevich being speaking on ethics is him being on the Apprentice. Sad thing is that people actually watch that stuff! No wonder our country is going down the tubes! Put china back into second place by not buying ANYthing at Wal-mart otherwise know as the Great Wal of China. Remember the old ads where they were proud to carry Made in USA Label before that stupid campaign "Save Money * Put an American out of work" slogan they use now! Sheesh... Madness!

Attire is Relative: (March 04, 2010 6:52am)

Look guys, expand your mind a little bit here. Dress attire is relative to geographic and demographic location. Just mentioning the fact that everyone in our industry should wear shirt and tie is shallow and pretentious. If you do business in the heart of Texas in a small town, dress attire is extremely different from the typical East Coast Elite mentaltiy of waering a shirt and tie to EVERYTHING. The same goes with most small town communities especially in states like Alabama, Missouri, New Mexico, Kentuckey....etc, etc. I'm sorry if your shallow mind has never visited other wonderful places in this country that is not a metropolitan area, and the mere fact that those that make comments like wearing a shirt, jacket and tie for all Business just show to those in Main St America one perfect reason to not live in a City......pretentiousness. That sense of entitlement and expectation is ugly to Middle America. And BTW, I live in the 4th largest city in this nation

Frank: (March 04, 2010 6:52am)

Techno Tony - James has no website to link too..

TechnoTony: (March 04, 2010 6:36am)

No link for A.James Mason

ILL Appraiser: (March 04, 2010 6:31am)

Too bad honest and integrity don't sell. Oh, I forgot for a moment. I can't market those things anyway....

Female Realtor: (March 04, 2010 6:25am)

Mr. Mason is using the "sex sells" idea. It's not working for me.... Great show guys and thank you!

Rita in Virginia: (March 04, 2010 6:24am)

Dressing as a professional, in all arenas is wise, I believe in first impressions. Shirt, tie, sweaters, NO JEANS, in short appropriate business attire - what a shame we need to even discuss this! but then we now have kids directing air traffic!!

Bobby D: (March 04, 2010 6:21am)

Absoluetly tremendous content! This is an incredbile program! Great work men.

ILL Appraiser: (March 04, 2010 6:17am)

It's partly a gender thing. And now age.

ILL Appraiser: (March 04, 2010 6:16am)

Really? Nice representation of appraisers Mr. Mason. While I don't wear a tie, I certainly don't represent the industry shirtless.

Appriaser Mtge Broker R.E. Agent: (March 04, 2010 5:59am)

Isn't that nice. An appraiser advertising with a baseball cap on and it looks like he has no shirt on? Thanks for building up our industry. I need to go shower, shave and get dressed (shirt and tie) I have an inspection.

Jersey Girl: (March 04, 2010 5:54am)

NO WAY Frank and Brian hung over? ;) Love you guys!

anne: (March 04, 2010 5:49am)

This is just more proof that a lot of the U.S. Companies went to China and they took US money over there to buy Real Estate

Cinco: (March 04, 2010 5:36am)

You guys are awesome. I am amazed CNBC or Foxnews hasn't picked you up yet. Then again, you might step on a few toes over there as well! Keep up the good work and informing Joe US Taxpayer of the waste in his/her Guberment

GaryP: (March 04, 2010 5:22am)

I just love it when politicians point the finger at the mortgage industry and call us unethical and "predatory." Which is worse, being predatory or a parasite? It sorta seems like the same thing to me. I suppose the only difference is that we have all cleaned up our industry and most of the "predators" are back selling used cars. Politicians, on the other hand... well it seems like its still business as usual in DC for the folks like Dodd, Franks, and Rangel.

brian tbws: (March 04, 2010 5:03am)

thanks a bunch Jason.

Jason: (March 04, 2010 4:39am)

I love watching you guys every morning. Keep up the great work and thank you for doing this.

Just Saying: (March 04, 2010 3:52am)

Hey guys, love the Patsy Cline. Hey if Jerry Springer, former Mayor of Cincinnati, can get a gig on TV, do not expect Blago to go away anytime soon. In the great state of Illinois, what he was doing was just business as usual, so ethically speaking, I am sure he truly thought he did nothing wrong; hence the reason he is maintaining his innocence. As for the Rangel issue...well the following speaks for itself. http://www.youtube.com/watch?v=rdtFWCrCh0s (I apologize in advance, but Rangel does curse in the video)

Anonymous: (March 04, 2010 3:23am)

wow