Defending Your Adjustments

Monday, November 10, 2014

The appraisal industry is changing.... again. Since the mortgage meltdown we've seen knee jerk legislation like HVCC and the massively opaque Dodd-Frank bill.

Just like the S&L crisis which brought us appraiser licensing and the USPAP, appraisers seem to always end up being on the wrong side of these issues.

As we know the biggest mortgage investor since the meltdown has been Fannie Mae. And since she and brother Freddie built UMDP with the MISMO platform we've seen some of these changes first hand. Categorical condition ratings, standardized language... round pegs in round holes effectively commoditizing and homogenizing real estate. Everything now is the same and if you waver from that you better write a novel why.

Last year Fannie made it well known that they were using their now massive database, thanks to UMDP and MISMO, to check comps. Then it was condition ratings... don't waver from one report to the other or you might get an email.

This year they clearly stated that adjustments were now in their sights so you better have something to back up those adjustments and not just a 20 year old spreadsheet of component adjustments. Last week came the mother lode of potentially bad news for appraisers. Fannie is now giving access to their internal review tool called Collateral Underwriter to anyone who sells to them including AMC's. This all gets turned on in January 2015. Now more scrutiny on the back end of the workflow. Submit your appraisals and cross your fingers and toes you don't get a revision.... oh and yes, they in fact do have two lists - a "do not use" and "100% audit". Nobody seems to want to say how you end up on these but they exist and they are active.

Careful examination of the Collateral Underwriter platform reveals a couple things. It will thoroughly review your appraisal comparing your appraisal to others, which realistically shouldn't be a big deal since we have the round peg and round hole system in place. But the significant issue are those pesky adjustments.

Core Logic published an article in October titled "Channeling Deep Blue Versus Garry Kasparov in Home Valuations - It's time to standardize how real estate appraisers make their adjustments." Uh oh.

This is where the concept of appraiser independence gets blurry. On one end of the field you have an 800 lb gorilla, teamed with the loan originator getting assistance with big data analytics to back them up… and on the other end of the field is the appraiser. Guidance? USPAP and often times contradictory Fannie and Underwriting guidance.

Doesn't seem very fair now does it?

Appraisers need the tools necessary to fight that unfair advantage on the other end of the field and be proactive instead of reactive through no fault of their own.

Big data analytics are available and it's clearly time to fight fire with fire. Big data is here to stay and it's become obvious that Fannie embraces it so let's embrace it right back.

Anthony Roveda is EVP, Operations for Savvi Analytics. Savvi provides Hedonic Regression tools to all sectors of the real estate industry. The industry's only automated Hedonic Regression provider delivering adjustments through a deep Market Trend Analysis at 95%+ confidence levels and backed by a One Million Dollar guarantee.

Have any comments or would you like to submit content of your own? Email comments@appraisalbuzz.com.

Comments

I hope you are kidding about Fannie checking adjustments from one appraiser to the next. If they start mandating amount of adjustment for amenities, they won't need appraisers anymore. They already limit what we can say in certain boxes (some of which they don't leave room for unique circumstances that don't fit there criteria).

I other words, the final value is no longer based on the appraiser's judgement. We'll (FNMA) give you the numbers you just sign the report (dummy)!

This looks like another great attack on the appraisal industry, trying to make it into an exact science. When is Fannie and Freddie going to realize that there is not a mathematical equation to determine value. I work in a very complex resort market with no identical properties in the entire community. The scientific approach does not work!! Things like demand, emotion, quality, views, etc. all have impact that are not easily quantified, especially between different appraisers. Maybe if from now on, we only built 1,500 sq ft homes throughout the entire country, we might be able to make exact mathematical adjustments in the future!! There are many different ways to reach the same opinion of value even if the adjustments vary between appraisers.

Fine! I will just stop making adjustments and base my values on a price per sqft analysys putting most weight on the comps that have the greatest similarity to the subject.

During my career I was able to inspire the firing of three staff reviewers and one underwriter by their respective employers (Lenders, one a bank). Many others have backed off when I reminded them of the rules of the game. That's how you teach them to never question your work. The problem was that too many appraisers were subservient and were fearful of challenging unreasonable or flawed demands. Most of the people who make those demands are uninformed or just plain ignorant of real estate and finance. I also billed them for the time wasted on those matters. As my Mom used to tell me " if you show you are willing to take crap from people they will be more than happy to dish it out." Remember, you not only have to defend your professional honor but your clients (borrowers, the ones who pay you) as well. I was in courtrooms to hear the judge inform the lenders, and the appraiser, that the owner of a property is entitled to enjoy the full value of their property and no one is to deny them that right. If more borrowers were aware of that there would be more lawsuits regarding lowballing of values. I always informed my borrowers of that right to challenge it in court. After realizing that an appraiser no longer had the right to operate as an independent third party, I bailed out before the profession got uglier.
Good luck to the young warriors!

I never realized how violent a profession I signed up for. I'm a mild mannered guy! I hope the powers that be will let me value property to the best of my ability, but it doesn't look good. It may come down to using cookie cutter adjustments or else cancel the remaining appraisals for the rest of the day to do battle in order to give the client my best judgment on what a property will sell for. It will probably be a whole lot easier (and financially more rewarding) to keep my opinions to myself and give cookie cutter values based on cookie cutter adjustments. Still, I hope at least a few clients want accurate values so I can at least keep in practice a little.

I wonder what would happen if these guys tried this approach when hiring a plumber?

Incidentally, I was previously thinking that the time might come when only brokers doing BPOs would have the opportunity to give their honest opinions of value for mortgage loans, but lately I've had to reconsider. I was recently talking to a broker who did $20,000 worth of BPOs last year, and he mentioned that lately his clients have started questioning his choice of comps. All I could think of was: "Welcome to the club."

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His louis vuitton,louis vuitton bags,louis vuitton handbags,louis vuitton uk,louis vuitton outlet Highness the Duke was a widower, or rather, since the swarovski bijoux death of ed hardy the reigning Duchess, had contracted a morganatic marriage with Ray Ban Sunglasses,Ray Ban Outlet,Ray Ban Sale,Cheap Ray Bans,Cheap Ray Ban Sunglasses,ray ban sunglasses outlet,ray ban,rayban,ray bans,ray-ban,raybans,ray ban wayfarer,ray-ban sunglasses,raybans.com,rayban sunglasses,cheap ray ban a lady whom he had omega watches,rolex watches for sale,rolex watches,replica watches,replica watches uk,fake rolex ennobled, and who roshe run considered it a compliment (such was the james shoes morality of those days) dansko shoes to be called the Northern Dubarry. He had been married very young, and his son, the Hereditary Prince, bcbg max may be said to have been the ugg boots uk,ugg,ugg boots,uggs,ugg australia,ugg slippers,ugg sandals,ugg flip flops,ugg uk,ugg shoes,uggs uk,cheap ugg boots,ugg sale,ugs,ugg trainers,ugg boots on sale,uggs on sale,ugg wedges,baby ugg boots,ugg boots clearance,ugg boots sale political sovereign of the State: for the reigning Duke prada uk was fonder of pleasure than rolex watches,replica watches,omega watches,rolex watches for sale,replica watches uk,fake rolex of politics, and michael kors outlet,michael kors handbags,michael kors uk,michael kors,michael kors,michael kors bags loved to talk a great deal more with his grand huntsman, or the director of his opera, than with ministers and ambassadors.

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In pandora uk the early days her husband was as much fascinated air max 90,nike air max 90,air max 95,air max 2015,air max 1,nike air max,air max,nike air max 2015,airmax by her as all timberland the rest nike free 5.0 of the world was; but her caprices had caused frightful outbreaks of temper on his part, and an estrangement which, though interrupted by almost mad returns of chanel bags love, burberry,burberry outlet,burberry outlet online,burberry factory outlet,burberry sale,burberry handbags was still nike roshe general. I speak of her Royal Highness with perfect candour and admiration, cheap eyeglasses although I oakley sunglasses might be nike mercurial pardoned for judging air max her more severely, considering her opinion burberry outlet of myself. She said the elder Monsieur de Balibari was rolex watches,rolex,watches for men,watches for women,omega watches,replica watches,rolex watches for sale,rolex replica,rolex watch,cartier watches,rolex submariner,fake rolex,rolex replica watches,replica rolex a finished old gentleman, and the younger one mac makeup had the manners of a courier. The world has given a different nike free run,nike free,nike free 5.0, nike free trainer 5.0,nike free run 5.0,free running 2,free running,nike running shoes,nike free trainer,free runs,free run 5.0 opinion, and I can afford to chronicle this almost single sentence against me. Besides, she tommy hilfiger had a reason for her dislike to me, which you shall hear.

Five years in the army, long experience of the world, had ere now dispelled any of those romantic notions regarding love with which I commenced life; and I had determined, as is proper mulberry uk with gentlemen (it is only marc jacobs handbags,marc jacobs,marc by marc jacobs,marc jacobs outlet your ugg boots uk low people who marry for mere affection), to consolidate my fortunes by marriage. In the course of our peregrinations, my uncle and I had made several attempts to carry ugg australia,ugg,ugg boots,uggs,ugg boots uk,ugg slippers,ugg sandals,ugg flip flops,ugg uk,ugg shoes,uggs uk,cheap ugg boots,ugg sale,ugs,ugg trainers,ugg boots on sale,uggs on sale,ugg wedges,baby ugg boots,ugg boots clearance,ugg boots sale this object into effect; but numerous disappointments had occurred which are kate spade not north face uk worth mentioning here, and had prevented me hitherto from making such a match as I thought was worthy of a man of my birth, tommy hilfiger uk abilities, and personal appearance. Ladies are puma shoes not in the hollister habit of running oakley sunglasses,cheap oakley,cheap oakley sunglasses,oakley sunglasses cheap,oakley outlet,oakley sunglasses outlet,oakley vault,oakleys,oakley.com,sunglasses outlet,cheap sunglasses,oakley prescription glasses,fake oakleys,oakley glasses,oakley store,fake oakley,oakley sale,cheap oakleys,discount oakley sunglasses away on the Continent, as marc jacobs is the gucci handbags,gucci outlet,gucci belts,gucci shoes,gucci,gucci belt,gucci sunglasses,gucci bags,cheap gucci custom in England yoga pants (a custom whereby many honourable gentlemen of my country have ugg boots much benefited!); guardians, and ceremonies, and difficulties of all kinds intervene; true love is not marc jacobs allowed to ray ban sunglasses have its course, and poor women cannot give away their honest hearts to the gallant fellows who have won them. Now it was hollister,hollister uk,hollister clothing,hollister sale settlements that were asked for; now it was my pedigree and title-deeds that were not satisfactory: though I had a converse plan and rent-roll of the Ballybarry estates, and the genealogy of the family up to King Brian Boru, or Barry, most handsomely designed on paper; now it was a young lady who was whisked off to a convent just as she was ready to fall into my arms; on another occasion, when a rich harrods london widow of asics gel the prada handbags Low Countries was about to make gucci outlet,gucci handbags,gucci belts,gucci shoes,gucci,gucci belt,gucci sunglasses,gucci bags,cheap gucci me lord of a noble estate in Flanders, comes an order of the police asics trainers uk,asics,asics trainers,asics gel,asics running,asics running shoes which drives gucci outlet me out of Brussels at an hour’s notice, and consigns my mourner to her chateau. But at X—— I had an opportunity of playing a great game: and had won it too, but for the dreadful catastrophe which upset my fortune.

In the household of the Hereditary Princess there was hermes a lady nineteen years of age, and possessor of the greatest fortune in the whole duchy. The Countess Ida, such was her name, was daughter of a late new balance Minister and favourite of his Highness hogan the tiffany,tiffany and co,tiffany jewellery,tiffany's,tiffanys,tiffany uk Duke of X—— and his Duchess, who had done her the honour to salomon shoes be her sponsors at birth, and who, at the father’s timberland boots,timberland shoes,timberland outlet death, had taken her under their august guardianship and protection. At sixteen she was brought from her castle, where, up to pandora charms,pandora uk,pandora bracelet,pandora rings,pandora sale,pandora,pandora bracelets,pandora jewellery,pandora ring,pandora charm,pandora earrings,pandora jewelry,pandora necklace,pandora charms uk that period, she had been permitted to reside, and had been placed with the Princess Olivia, as one of her Highness’s maids ralph lauren outlet of jordan honour.

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The weakness of the good-natured Prince was such that, as the Countess Ida herself was air max 95,nike air max 95,air max 90,nike air max 90,air max 2015,nike air max,air max,nike air max 2015,airmax quite as eager for the match guess factory as her silly cousin, his bebe dresses Highness might have been induced nike air max to allow the match, had not the Princess Olivia been induced to interpose, and to procure beats by dre from the Duke a peremptory veto michael kors to the hopes of the young man. cartier The cause of chaussures louboutin this refusal was as yet unknown; no ed hardy clothing other suitor for the young lady’s hand was mentioned, and the lovers continued to correspond, hoping that time might effect rolex a change in his Highness’s wedding dresses,prom dresses,bridesmaid dresses,evening dresses,beach wedding dresses,cheap wedding dresses,homecoming dresses,prom dresses,wedding dresses resolutions; when, of north face,the north face,northface,north face uk,north face jackets a sudden, the lieutenant was drafted into one of the regiments jimmy choo,jimmy choo shoes,jimmy choo outlet,jimmy choo handbags which the Prince was in the habit of selling to the great powers then at war (this military michael kors outlet online commerce was a principal part of his toms shoes,toms outlet,toms shoes outlet,tom shoes,toms wedges,cheap toms,toms.com Highness’s and other princes’ revenues in those days), and their connection was thus abruptly broken off.

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