Where Did All the Work Go?

Monday, November 25, 2013

Mortgage volume has slowed down and in-turn appraisal volume has also slowed down.  All the major lenders are having huge layoff's as well. When speaking with colleagues and within forum discussions, people are most often talking about how slow they are and how they've never been this slow.  Even in our busiest of moments over the last decade, there were thousands upon thousands of other appraisers competing for the same work.   With new regulation and changes industry wide, we have seen tremendous reductions in the number of people who remain in the industry as a whole and specifically appraisers.  Just a few months back we were all busy feeling the impact of the more limited number of appraisers.  I remember speaking with some appraisers at the time who were complaining about too much work and no time.   To go from that to the slowdown is much like our weather in Chicago this year.  Skipped from summer right pasts fall and into winter.  Hopefully everyone made some good money and saved it.


Other thoughts and articles I have seen out there discuss future of the industry suggesting that if you have a full time job in the real estate industry you should consider getting a part-time job in something other than real estate.  As with any line of work or career, there is an ebb and flow to it.  Most of the discussions and article's I have found are over exaggerating the future state of the industry.  We all remember when the HVCC came down, when values fell in 2008, how slow it was.  Many of us, I am sure, know an appraiser (s) that let go of their license and are now in a different industry for fears of the future.  Since that time we've all stayed pretty busy with the refinance boom.  Those who do REO work have stayed busy with REO appraisals.   In short, what I'm saying is there are always ups and downs in our industry, we all know this.  This time is no different, we were busy, now we've slowed down, and we'll get busy again.  With the down time you should concentrate on getting new clients(not just mortgage related) and catching up on side projects.  Most importantly keep in mind the holidays are here, so having some free time isn't a bad thing.


I agree, the appraisal work for me has fallen off a cliff here in So Fla. I still see properties being sold and financed in our market so someone must be doing the work. I have noticed a trend of AMC's employing their own staff appraisers, based on lots of employment ads. Maybe, these staff appraisers are getting the work the AMCs used to broadcast to the rest of us? I don't see how our profession can attract new blood. With a 4 yr degee, various state courses/exams, and then 2 years of trainee status, who is going to sacrifice other job choices to join this terribly over-regulated situation appraisers face today? Not my 2 sons.

I hope there is no work. MGMT need work to keep cash flowing. This would put them out business. For me working at MCD's is alsmost the same amount of money with no hassles from AMC's or government oversight. If you see the new Uad updates you will realize it is getting overkill. You cannot adjust for differences in att, bi or det garage so why label it. if you read your E&O isurance there is now FDIC exclusions for lawsuits. FDIC is ordering multiple appraisals on same properties. While I have not been investigated in over twenty years of work this gives something to worry about. We should go on strike with the fast food workers. Work stoppage will put AMC's to the forefront when they cannot pay the appraiser and go bankrupt. since chase has prevailed we have no incentive to extend our services. MCd's here I coming when they raise min wage to $10.

Dead does not even begin to describe the work picture in my service area of central California. I take partial blame, I never wanted to get my certified license. But even many of the certified level appraisers I know aren't working. For those of us still trying to catch up from the last slow down, this is bad timing. And getting new blood into the industry is going to be a challenge, when starting in 2015, you have to have a two year equivalency just to become a licensed level appraiser, who will want to take that time for an uncertain income. My best year I made just over $110K. My worst year it was under $30K. There's not enough up to make up for the down. The industry is definitely changing, and I don't think for the better.

We are in a small metro market, with enough work for local commercial guys, but not enough for additional competition. We feel that work has slowed so much in the larger markets that those larger firms have re-directed their appraisers to expand their work region across state lines, etc.
There are alot of appraisers from Houston, Dallas, Atlanta, B'ham that appear to have expanded their work area regionally, thus increasing competition in our small market. We have decreased our normal fees, but the overall workload is still down

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