Shades of Gray

Monday, July 30, 2012

Get your mind out of the gutter. I merely wish to discuss my weariness for the perpetuation of myths that have permeated the appraisal conversation. I don't know about other professions but I do wonder if there are any others that have taken something fundamentally simple and screwed it up quite as badly. Maybe the tax code. Or Medicare/Medicaid?

Oh, are you starting to see a pattern here? Looks to me like the government tends to make a mess of things. And yet we are looking towards Washington DC to lead us out. Unfortunately I don't think we have a choice. Current policies are clearly not working.

Here are what, in my world, are black and white issues:

  • The myth that quality and cost are not correlated
  • Service level agreements are fundamentally evil. The wrong thing is being measured.
  • There really are 3 approaches to value.
  • "Appraisers reflect the market". If you believe that is your role then you need to find a new career.
  • It is lenders who set fees, not AMCs.
  • Your clients determine what is professional conduct. They don't have to hire you if you disagree with their standards.
  • Adding additional guidelines punishes good appraisers and does nothing to make for better appraisals
  • State AMC registration is a really bad plan.
  • State licensing with no federal standards for reciprocity, background checks, disciplinary actions, appeals, has created an untenable regulatory patchwork.
  • Current guidelines constrain the appraiser to sometimes avoid the best comparables.
  • There are many non homogenous properties that will never fit guidelines.
  • Spend time and money choosing a good appraiser. Rules don't make for a better appraisal. More focus should be on the appraiser, not the appraisal.

There will always be shades of gray and that is especially true in a profession that is engaged for their opinion. Establishing sound policy, practice and procedures for the valuation profession is essential for a housing market recovery. Of that I am certain.

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