Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

JTEX: (April 21, 2010 8:00pm)

Video and Audio came through just fine, as it always does. Great job guys, keep it up, and don't ask the Fha!

Ace 01: (April 21, 2010 2:16pm)

Hi Brian, the audio part is not coming through ands the video pauses now and then. Thanks,

brian tbws: (April 21, 2010 8:30am)

If you've had problems with the video audio or daily delivery of the daily can you blog it. thx brian

Nuke 'em 'til the Glow and shoot 'em in the dark: (April 21, 2010 7:38am)

How to deal with Financial Reform. Vote them out in November. Nothing ever good Came from a Democrat other that more government intrusion.

rhodyloans: (April 20, 2010 5:44pm)

does anyone know why there are some days that I can see the video and some days when there's just a blank screen?

CornerstoneKathy: (April 20, 2010 5:28pm)

James..believe me..they are just calling another appraiser in and blowing smoke up your butt..check again in 45 days ..it will be closed in the MLS with the agents you saw on the day of the inspection..I am not sure those instructions were meant for that type of above the norm of construction or if they meant call us if you get there and its an igloo in Alabama though

James the Appraiser: (April 20, 2010 3:33pm)

Had an appraisal order last week with 10 pages of Lender Instructions, no lie. The home was steel post and I-Beam. Lender instructions required me to STOP if the home was A-typical in construction, tell the lender what I found and wait for the lender to let me know if I should complete the report or if they wanted to cencel. I did just as the lender asked in his 10 pages. The AGENTS went nuts and even contacted the lender by phone. No need to say more, the lender was happy I followed the 10 pages and were so upset with the AGENTS that they canceled the report. They told me thank you and they would send me a check for my trip out to the property, but that due to the AGENTS reactions they were no longer interested in making the loan. So the AGENTS FU$$$$KED you the deal for the buyer and seller and the appraiser walked away clear with money in his pocket. This may be a first this year, yes - no?

James the Appraiser: (April 20, 2010 3:27pm)

BRILLIANT, got to love them over at FHA.

rphillips: (April 20, 2010 3:16pm)

Does anyone know of a lender who will participate in the FHA program that allows a refi of up to 115% of the home's value if a client is underwater?

SoCal Mortgage Broker: (April 20, 2010 2:52pm)

brian tbws: I have searched for key words in the rule that came out today. Don't find anything about 2009 audits. If you find something, please post. I tried calling the LASS line but their mailbox is full.

Dman: (April 20, 2010 2:26pm)

What does everyone think about the Federal Reserve? Should the Fed be dissolved? They can and will continue to move economies at will.

brian tbws: (April 20, 2010 2:25pm)

ok guys. im just going through this but here you go. this SHOULD have all the answers your looking for on fha new rule. http://edocket.access.gpo.gov/2010/pdf/2010-8837.pdf

OntheMoney: (April 20, 2010 2:23pm)

Gmoney, Its like Gmoney was in a time machine and doesn't know what happened in the last two years. None of what he said can happen and doesn't happen like Gmoney said. I had to have a back ground check and pay for it to join one AMC. Only received 3 orders since last May. We are not able to pick up our fee at the door as per HVCC. AMC's pick our pocket for 1/2 fee or more, for sending e-mails. I on the other hand spend tons on money just keeping a license, expenses and hours of hard work to come up with a estimated value. I don't need an "egg management fee". Even a child knows whos stealing from them. I can market myself like in a real free market. I earned the license for myself not for the AMC's.

KILLHVCC: (April 20, 2010 2:20pm)

they don't want to deal with it because they don't know how to deal with it. that is one of the many reasons the banks are getting away with the b.s. as they will deal with it. this is why it is imperative that we have a voice on the federal level to push back and represent our interest. love it or hate it, lobbying is effective and affective. remember there is no punishmnet for going outside hvcc, it's basically a rouse that is imperative and illegal. i just wish there were banks or a bank that would jump out and operate the old fashioned way within firrea guidelines. nobody would get in trouble, i'm really surprised that the 'ol boys club on the street hasn't figured that one out. if fha don't care why should we ?

brian tbws: (April 20, 2010 2:13pm)

sorry guys. i'll hunt down audit info.

brian tbws: (April 20, 2010 2:12pm)

new rule info on tomorrows daily. just came out.

UtahsMortgageGuy: (April 20, 2010 2:00pm)

Brian, Sorry to question you but I have Contact MortgageCurrentcy, Loan Officer Magazine, and Mortgage Market Guide and thier staff and no one can say for sure... That we do not need FHA audits this year. Since you have an in with some big wigs can you get something that spells that out? I also read the 68 pg letter nd the federal register released to day and I am still not positive...

FinanceLogic: (April 20, 2010 1:48pm)

Thanks Brian! :-)

SoCal Mortgage Broker: (April 20, 2010 1:40pm)

I have read all 68 pages of Strengthening Risk Management and can't find anything about audits for 2009. I have faxed and called Lender Activities and nobody will respond. I'm not filing and will wait & see what happens I guess.

brian tbws: (April 20, 2010 1:40pm)

Brokers do not have to do an audit this year. you need to pay your fees to FHA & your on your way. If you go to the daily on 4/16 you can download the info from the links and docs

UtahsMortgageGuy: (April 20, 2010 1:27pm)

So Do Brokers have to do an AUDIT THIS YEAR or not????

5pence: (April 20, 2010 1:27pm)

Guys, if you can, turn on CSPAN - Barofski a special investigator is on talking about TARP, Hamp etc.. very enlightening

5pence: (April 20, 2010 1:17pm)

It also occurred to me that since the banks were shorting the CDO's they were creating because they didn't believe their own bs about home values going up forever, What if... I mean, What if, the banks were flush with cash from shorting and pleaded destitution only from their long positions? And then threatened bankruptcy to scare everyone into bailing out their bad plays and all the while keeping hush hush their winning short plays? We can't audit their books so we don't know - we're taking their word for it ON EVERYTHING! Fed and Treasury made that deal, no audits. If they can put everyone in the world into debt with liar loans and no doc loans and all the while selling worthless CDO's rated as AAA by the ratings companies THEY paid off-can we really put it beyond them to scam us every and any way they can? Including pleading a fake bankruptcy? Maybe Lehmans was legitimately bankrupt, or maybe they were a pawn in this chess game. TARP was meant to buy bad assets, not for bail outs.

5pence: (April 20, 2010 1:05pm)

Brian : what? I called 3 times and they never offered that option. How did you get them to put you on a list to send you notification of relevant information?? Whatever, I want to get on that list too. You know, watching TV today it occurred to me (I should have known because it's so apparent-my duh) that the talking heads on all the stations are out of touch with us working stiffs. You guys are very necessary. They should be watching you guys if they want to learn something. Thanks for all you do.

tbwsbrian: (April 20, 2010 12:44pm)

hey guys regarding the regs.gov site. I just called them and found that the questions have not been released yet. MY BAD. I am now on their list for the release and the release of any other info we may be interested in. Once again sorry bout that. ~ brian

tbws brian: (April 20, 2010 12:17pm)

Hi Puff. 6 actual faq's from hud, sec budget, effects of credit debt swaps. naihp rally, & a tip all in 5 minutes. Over the course of watching our show, I'd hope you'd find some talking points you may be able to bring up with your referral partners. Thanks for watchin and thanks for the input. Note, we'll leave your post up even though it offers nothing for anyone... just an easy swipe at us. FINANCE LOGIC. we address usda tomorrow. funding not immediate but things are moving. we'll let you know. RE savitts rally... I'm not sure of the outcome or the effectiveness but I do appreciate the effort. Thanks a bunch everyone. ~ brian

San Francisco Appraiser: (April 20, 2010 12:02pm)

I spent close to an hour to. Then I realize instead of wasting more time ask for help. Which you did a better job than myself in doing. The appraisers are not the only whores for the banks. The federal government is bending over forward for the banks by taking lobbist money. The government has no interest in the little guy. They are just covering their butts and that is all they care about. The response FHA gave is a joke and it proves to me that the government does not give a crap about you or me. If they did they would fire the head of the FHA. But no he still has his job and have sold all of us down the river to the AMCs.

Mark: (April 20, 2010 11:57am)

Can anyone say for sure that Mtg Brokers do not have to submit 2009 audited statements

Joecolorado: (April 20, 2010 11:55am)

Gmoney-so get of your high horse as your voice is muffled and its making your butt look real big,but the again it probably is because you have your head stuck so far up there,your tonsils are getting beat to a pulp with your flapping mouth.Learn about what the real problem actually is before spouting vacuous rhetoric and impugning good appraisers for your imprudent shortcomings.....idiot.

5pence: (April 20, 2010 11:46am)

I just spent over an hour looking for those 7 questions on www.regulations.gov and couldn't find them. I called regulations.gov and they couldn't find them so I called the Treasury & the White House. All told, about 7 calls. Treasury just referred me to the White House and that was a dead end 2 times. 3rd time someone suggested I search WhiteHouse.gov. It's not there and no one seems to know where the questions are. The best suggestion I heard is that they're not posted yet and to search back at regulations.gov. So, there we are. Along with the consumer protection agency called the IVPI (Imaginary Valuation Protection Agency) we have an imaginary request by the White House for public input on housing finance reform. I'll keep my eyes open and post a link if it ever shows at regulations.gov and check the White House site. You can submit comments at WhiteHouse.gov if that's any consolation. I was told Obama reads 10 e-mails a day so if You're lucky he might read yours. It's worth a shot.

Joecolorado: (April 20, 2010 11:44am)

Gmoney-WHAT?......WHAT?WHERE have you been?getting paid before the report is finished.... what are you smoking?What planet HAVE you been on?I need to get to where(?) you say there is free business just for logging on,'cos I cant find it.No more loan officers,putting pressure on you,get real-There is always pressure.No more rounding up business means that we dont have a chance of negotiating our fee,and WE also took a fee cut of up to 50% so tell me that we are better off this way.YOU are not paying attention,'cos you certainly do not know what you are talking about.Now I have been informed that to get preferred status with NVS,an amc,51%of my office needs to be one or more of the following:- woman,african/asian/hispanic/amerind/aleut,a disabled person,a gay,lesbian,or transgender person and they must be a citizen.I am a caucasian,able bodied,heterosexual male citizen.It looks as though I have NO chance of getting work......None.

Puff: (April 20, 2010 11:38am)

As usual no substantial information.

SouthlandAppraisersUnion.com: (April 20, 2010 11:38am)

Gmoney surely you jest, because it would be almost impossible for of the 60,000,000 , you to be the fastest sperm.

Gmoney: (April 20, 2010 11:24am)

Why are some appraisers on here complaining about things? No more having to round up your own business, getting paid before the report is finished, having no contact with loan officers or anybody that could have any problem with your way to conservative value. Just log on to a website or two and get free business. Meanwhile the end user (borrower) is getting jacked for an extra $150.00 per report. Loans are getting denied becuase some appraisers adjustments suck and the borrower can't transfer the overpriced report!!!!!

SouthlandAppraisersUnion.com: (April 20, 2010 10:54am)

Antique appraiser southlandappraisersunion.com tell me your story I will spread it around. AND one note to the realtor that was made because his deal did not work, and blamed it on the appraiser coming from another place. It may have happened because you had a bad appraiser but distance has nothing to do with it. EITHER you believe in theory of appraisal or you do not. I could parachute into Australia and do a good appraisal it would simply take longer. Tell me this, in Australia on main street 3 sales are from 100 to 120k and they are all very similar to your subject , would that alone not indicated the value would be very likely depending on time and immediate market changes, but likely be between 100k and 125k ??? REALTOR YOU ARE OPENING A CAN OF WORMS THAT WILL BITE YOUR RUMP. DO YOU WANT TO LIMITED BY DISTANCE ON YOUR LISTING. BECAUSE HOW CAN YOU LIST IT AND SAY AN APPRAISER CAN NOT APPRAISE IT. I have been appraising since mid 80"s, it was not even a profession then.

objective1: (April 20, 2010 10:32am)

Once they get the appraisal report. That's it. Everything else is extra. Time is money. No free lunches, etc. Unless a proven error or oversight is presented all addendums and reassurance letters come at a price as well as rebuttals. If the client or realtor doesn't agree with the reviewer, let them deal with the reviewer as he is the one who created the new value. The appraiser is supposed to be an independent third party not an advocate for the selling agent or the borrower nor is he obligated to "sell" his value. The buyer or agent has the option to sue the parties who wrongly negate the deal and well they should as this approach worked well in mid 1980s. Your attorney knows what to do. It made believers out of those who arbitrarily prevented a legitimate transaction to close. It hits home when they are in court. And other lenders pick up on this in short order. You have to stand your ground or suffer.

garos dog: (April 20, 2010 10:30am)

Guys, for some reason I cannot access the sound from today's video. I have checked my speakers and they are working, have even gone to your website and pulled other videos, and they work. So,... wha's up?

FinanceLogic: (April 20, 2010 10:26am)

What's the latest word on USDA loans? Are they getting funding or not???

objective1: (April 20, 2010 10:02am)

There are hookers and there are panderers, but some of you appraisers are assuming the roles of both. There would be no problem with AMCs if some of you would have the intestinal fortitude to just say NO. I have been in the business long enough to remember when AMC type services were referred to as "sweat shops" and only the lowliest of the low would stoop to even speak with the exploiters. The average appraiser had a higher sense of professional pride then. Obviously the AMCs are now aware that there are many out there who don't.

Mike51: (April 20, 2010 10:01am)

Where are the 7 questions posted? Regulations.gov is a very large website.

Il miller: (April 20, 2010 9:37am)

Frank and Brian I went to the government.org and put in public solutions in the search and hit search. We cannot find the 7 questions. Please be more clear on where to find the questions.

Joecolorado: (April 20, 2010 9:30am)

aaaahhhh those were the days. gotta go do an appraisal.

Holz: (April 20, 2010 9:20am)

And once again, the answer is: Don't bother FHA, or HUD, or any other government agency for that matter- and oh, the lender? HA!

baldo: (April 20, 2010 9:19am)

I also had a Norton, 1967, kept it tight no oil leaks fastest thing around before the kawa 750. Oh life was simple then

Joecolorado: (April 20, 2010 9:05am)

Ancient-Yep, when I had a trumpet that was beating the Norton to the total amount of oil lost.Now I have a 1964 BMW R60/2 a 12967 BMW R60/2 and a 1964 BMW R69S,among others none of which drop any oil.

EddieinAB: (April 20, 2010 8:50am)

I just did have a nice day and its getting better, took two loan apps in less that 24 hours and got a CTC on a nasty loan!!! :)

Shredr: (April 20, 2010 8:48am)

Very interesting. I heard the NAIHP rally on the HVCC was a dud. Only 20 or so people showed up...only 4 appraisers. Most people were all personal friends of Savitt. They only met with Childers who...duh...is supportive of rescinding the HVCC. Can you say belly flop?

Ancient Appraiser: (April 20, 2010 8:46am)

Last post, I promise. Does anybody have a web site or blog I can get on that gives me the opportunity to berate Cuomo? I find myself with extra time on my hands and as long as I have electricity and a roof over my head I would like to vent!

Ancient Appraiser: (April 20, 2010 8:42am)

JoeCO - Now THAT sounds like my Triumph! I think it's one of the reasons they feel they might be successful drilling off the coast of Florida. Can't afford maintenance on bikes anymore as I won't work for AMC's. Had AMC tell me one time they had the option to alter values and that's why they wanted me to use their program! Couldn't get it in writing though. The HVCC was such a great idea !!

gdflsh: (April 20, 2010 8:37am)

Brian finally got a haircut... No more Canadian hockey hair.

know61: (April 20, 2010 8:20am)

Frank & B 32 years of selling real estate 20 of doing what is called an appraisal.. You guys are a breath of fresh air. You have not really found your calling yet but keep up the post it has been the greatest eye opener with my morning coffee. Protect yourselfs, they will be coming after you guys.Bit never never quite what your doing.

Joecolorado: (April 20, 2010 7:52am)

Ancient-I dont believe that you had a Norton that ran!at least the one I had ran until it ran out of oil,which was not too long after oil was put in.BUT I never had a problem with dirty oil as I constantly had to top up the oil to go down to the store.I had so much oil deposited on my driveway OPEC tried to drill there one time,but couldnt get through because of the environmentalists blocking off the area.Still it was a GREAT Dominator,had lots of fun on it.

Joecolorado: (April 20, 2010 7:42am)

Look-report this immediately to the State.The State should instruct the AG to investigate.The appraiser should also be concerned as its his/her signature and license#,S/He is responsible for their signature.That licensee should be aware that the State will put them through the mill for this problem and they will probably get sanctioned by the State if there is a problem on the report or review. This is a major problem with PDF format as the signatures may be be taken off the report as they are a separate pdf.

Ancient Appraiser (Reitred due to HVCC): (April 20, 2010 7:36am)

[email protected]:- I always thought Pork in government was a direct reference to Pelosi! And to be honest I know anything about the cycles they were talking about but I had a Norton once that only ran once a month. Go fiure! Great show guys!

Joecolorado: (April 20, 2010 7:34am)

Remember the State licensing board doesnt believe is hearsay or telephone conversations.They want written proof,so document proof in your report and file.If the client wants something out of the"ordinary"in a report,document as to why its included in your report.If the client has no problem with demanding that particular inclusion,they should have no problem about you documenting it in your report as a specific condition of your commission.If they have a problem with documentation,be concerned,as its your license they are putting on the line not theirs.

Look in the Mirror: (April 20, 2010 7:32am)

Had 1st really bad experience with HVCC. purchase, value came in low, no problem. Went for review to an appraiser 400 miles away, cuts value another $50K, we request rebuttal, returned in 1 hr, weird n weak. Selling agent calls appraiser to discuss additional comps, find out appraiser didnt know anything about value cut or rebuttal, but his name was signed to it. Reviewer has no knowledge of area reviewing n people signing on behalf of the appraiser. Isn't this solidly against HVCC??? Or is pulling in appraisers with no knowledge of the area appraised OK, and signing on behalf of an appraiser acceptable practice. Wonder if fraud is worse than ever with HVCC????

Joecolorado: (April 20, 2010 7:27am)

HAPPY DAYS-The overlay may be acceptable,but make sure that the"investor overlay"is recorded in your document as a client specific exclusion, with a reservation that the FHA appraial is dependent on FHA accepting that particular exclusion.That way FHA can decide whether to insure that particular property with that overlay condition and you are covered as you have informed all of the parties of the exclusion.Dont just insert the overlay because the client"wants"it,but explain why the overlay is included in your report.If there is a question from the U/Writer,then document it in your file and answer the question as a condition and an inclusion of and in your report.

SouthlandAppraisersUnion.com: (April 20, 2010 7:26am)

Ok boys and Girls, who is going to be a bad sheep and not use the new silver dollar, that no longer says In God We Trust . Maybe a small thing, maybe a large sign and then maybe you think it does not matter... We are in such trouble

[email protected]: (April 20, 2010 7:19am)

Well, I did find this in the site when I looked for Finance reform....Changes in Disease Status of the Brazilian State of Santa Catarina with Regard to Certain Ruminant and Swine Diseases....Good to know my tax dollars are hard at work on this most important topic. I guess this is what they mean when they are talking about pork in government!!!!!

[email protected]: (April 20, 2010 7:13am)

Went to www.regulations.gov to voice my opinion and couldn't find anything in their site. What a piece of crap. If you don't know to the gnats ass what you're looking for you will get lost. Typical garbage from government. Please help me find those seven questions about finance reform so I can be heard.

Pipette: (April 20, 2010 6:53am)

Have a nice day.

Happy Days: (April 20, 2010 6:49am)

HO Hummmm: The Fha bit was more then half of it. so, basically not a waste of time. You wasted more time writting it out. Try to have a better day.

Bob: (April 20, 2010 6:47am)

Everyday I read appraisers complaining about AMC's and their low fees. The low fees seem to be the biggest complaint, well, DON'T WORK FOR THEM, its pretty simple. If you don't work for them and if you help by spreading the word to other appraisers in your market area AMC's will eventually pay more or fold. I have AMC's calling me to ask if I will do an assignment and when they tell me they will pay me $175.00 I say sorry but I cant help you. I will find another line of work if I have to before I lower myself to work at scab wages. Nobody out there is going to help you so you will have to help yourself by NOT ACCEPTING ASSIGNMENTS from AMC's.

Happy Days: (April 20, 2010 6:47am)

The other problem with HUD and Lenders is . HUD can make a rule but the Lenders can change it. (overlays) how many banks are making there own rules. This maybe why HUD does not want to get involved. I pleaded with two banks to call HUD on a guideline and they would not. They just said investor overlay. Even banks that say no overlays had overlays. When asked about that, they said it was not theirs it was the investors. HUH?????????

Ho Hummmmmmmm: (April 20, 2010 6:47am)

Well except for the FHA gig that was a waste of 5 minutes.

SergeiSanchez: (April 20, 2010 6:41am)

Since this forum is about educating industry participants on all things that impact the industry, this little clip from the Dylan Ratigan show (America Today) on MSNBC exposes in his words the "greatest con & cover up" involving the federal reserve banking cartel, congress...and all of us in originator-land who were the patsies to facilitate the machine. It's a rare glimpse from the mainstream media that is insightful, glaring, and a must-see if you want a better understanding of the environment in which we all find ourselves. See it here: http://www.msnbc.msn.com/id/21134540/vp/36233217#36233217

Baldo: (April 20, 2010 6:34am)

I am Glad that you were able to confirm my reading of the FHA ruling. I guess when all the appraisers opt out there will be nothing left but BPO's and AVM's. What a world!

Mike: (April 20, 2010 6:18am)

I think Historic St Pete meant ovulation cycle, not ovation cycle. Ovation cycle has everything to do with Real Estate. Ever been to a motivation seminar?

Kat Bryce: (April 20, 2010 6:08am)

Guys.. I thought the iphone ap bit was hilarious. I will quit watching if you guys go to an all formal "professional" format. Thanks for making me spit my coffee all over the monitor.. ROTFLMAO

lady on the bluff: (April 20, 2010 5:49am)

The problem is communication inside and outside of HUD...THEY have to KNow the rules to enforce the rules....and this is one agnecy that you can call and each time get a totally different answer. Then they "centralized" communication which is a true sign of non-communication.

frankgaray: (April 20, 2010 5:40am)

Actually there are rules making gutting your foreclosed home illegal. Once again... no enforcement.

aprzal in virginia: (April 20, 2010 5:38am)

I went out to do an appraisal on a townhouse. The townhouse was just a "shell." There was nothing inside. I think someone needs to do something about people foreclosing and taking "everything" and I mean everything.

frankgaray: (April 20, 2010 5:14am)

Anonymous - You can download the rule from the Daily on the 16th. It's all in the wording. There is a blog post on that day as well that clears it up... sort of.

frankgaray: (April 20, 2010 5:11am)

Historic St Pete - Technically, it could have a lot to do with Real Estate, but, we put it in there just because we thought it was funny.

HistoricStPete: (April 20, 2010 4:52am)

WTF does ovation cycles of women have to do with Real Estate!? Really!?

San Francisco Appraiser: (April 20, 2010 4:39am)

Sorry about the repeat comments. I have not taken any AMC work that is below my customary fees. I take one report that was $375 for a drive-by appraisal. But I like the way appraisals were ordered before HVCC.

San Francisco Appraiser: (April 20, 2010 4:36am)

Has anybody figured out how to leave a comment about HVCC on www.regulations.gov

San Francisco Appraiser: (April 20, 2010 4:36am)

Has anybody figured out how to leave a comment about HVCC on www.regulations.gov

San Francisco Appraiser: (April 20, 2010 4:35am)

Has anybody figured out how to leave a comment about HVCC on www.regulations.gov

fl Appraiser: (April 20, 2010 4:27am)

AMC's are no more than pimps in the appraisal industry. Once the appraisers learn to say NO to their ridiculous fees they will move on to another place, hopefully out of business. I am doing my part...HOW ABOUT YOU MR ? MS APPRAISER?

Kat Bryce: (April 20, 2010 4:21am)

I want another option on the poll... Why bother to make rules if they are not going to be enforced? I agree with makeithappen, Appraisers need to grow some and refuse the work. You just filed your taxes, right? Are you REALLY making any money? Or, is it money in money out and it "Looks" like you are "feeding the family"? Are you PAYING taxes? I betcha you didn't... right? There is Appraiser work beyond lender work, and they DO pay reasonable on customary fees. But, you have to have some credentials to get that kind of work. You can't just fill out a form and throw 3 comps on a grid. So get busy Appraisers, learn how to do our jobs right, or get out. Lets make Appraising a PROFESSION again. Form fillers please go find another job.

Anonymous: (April 20, 2010 4:13am)

Guys,it's 04/20/2010,and half the people out here are still not sure if TPO's need audited financials to stay in compliance and stay approved with FHA thru year end. What is your take? Can we get NAMB to (quickly)issue a definite, clearly worded statement? Thanks...

expgaappraiser: (April 20, 2010 3:46am)

makeithappen-certified for 12 years - used to make almost a 3 figure income - after hvcc it literally disappeared - I put all my customary fees on 8 amc's got NO work - after 4 months - contacted one of them - in my area the AVERAGE was 240 - lowered my fees to 275 a few trickled in - have 1 kid in college and one at home - been on unemployment since July, savings is gone - AMCs hold me responsible for errors they make when sending the order and don't send work for that reason - everything they expect is so a computer can review it - and they don't want licenses or resumes so homeowners/lenders can't see the level of experience or lack thereof that the appraisers who are working do/don't have - an old client has sent me some to look at to see if they are credible - the guys can't even spell But they are working. So don't give us crap about balls;the govt system doesn't care and computers don't either. I vote - I contact my reps - and I do great appraisal work--or used to

makeithappen: (April 20, 2010 3:09am)

If appraisers nationwide would not accept these low fee appraisal orders, then the fees would take care of themselves...but I know we will have the whimps that say,"I have to feed my family." Well we all have to feed our families!! I am a certified appraiser in Dallas/Fort Worth and I do not accept any order below $300 and turn most of them down. Has to be a really easy one for me to accept. Appraisers, grow a pair and this rubbish will stop but we have to do it ourselves and quit crying.

Coach Collard: (April 20, 2010 2:02am)

Didn't know where to put this, so figured I'd submit here. Let's start picking on HAFA a bit. Same ole government shenanigans. http://shortsalepowerhour.com/hafa-goes-live-at-bofa-short-sale-power-hour-040610/