Understanding the Underwriter Interview

Monday, October 28, 2013

We hear from so many of our subscribers about the contentious relationship appraisers have with Loan Underwriters. We thought it would be a good idea to try and get into the mind of the Underwriter with a live webinar so that our subscribers can ask anything they ever wanted to know about the loan process from the underwriter's perspective. We were able to chat with Marianne Nover, VP - Valuation Officer for Frisco Lender Services, LLC., who will be leading the discussion on this topic during the webinar on Wednesday November 13th.

BUZZ: Marianne, thank you for taking the time to pull back the curtain on what goes on in the Underwriter’s world.

Marianne: It is my pleasure to speak to appraisers concerning the underwriters review of the appraisal. If an appraiser has a better understanding it will hopefully reduce the number of times the appraiser has to touch a report.

BUZZ: Can you tell us a little bit about your history and current position in the industry?

Marianne: I have 30 years experience in mortgage lending, mainly in operations and underwriting. For the past 4 years I have worked for as the Valuation Officer at Frisco Lender Services. I am a liaison between the lender and the appraiser to resolve appraisal issues.

BUZZ: What is the first thing everyone should know about what an underwriter does?

Marianne: The underwriter must ultimately conclude whether the property habitable, marketable and that it's value is supported by the comparable sales.

BUZZ: What information is most crucial to have in an appraisal before deciding whether or not to approve the loan or purchase?

Marianne: Most underwriters do not live in the subject market. They rely on the appraiser to be their eyes. As the reader of the report the underwriter must determine if the final opinion of value is supported by the information provided in the report. Comments are important to the reader.

BUZZ: Why has there been a divide between appraisers and underwriters in the past?

Marianne: The appraiser’s job is to support a final opinion of value for the property. The underwriter’s job is to determine if the data in the appraisal report sufficiently supports the value and is the property marketable. Underwriter’s who review loans that are sold to the secondary market are concerned with salability of the appraisal. These parameters may conflict with appraisal standards.

BUZZ: Can you give us a preview of some topics that will be discussed on the live webinar?

Marianne: Sales Comparison Approach Red Flags, PUD as defined by FNMA/FHLMC, common UAD errors.

BUZZ: Thank you for taking the time to sit down and speak with us about this. We can’t wait to hear more during the webinar on Wednesday Nov. 13th

If you are interested in hearing more on this topic, register for the live webinar HERE!

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

Comments

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