Mann Overboard | Appraisal Buzz

Thursday, August 29, 2013

Mann Overboard is honored to be part of the newly redesigned Appraisal Buzz website. For those who have not been following my blog at the prior web location, let me summarize a list of topics I will try to cover over time. Albeit, this is not an all encompassing list and I welcome topic suggestions.

I have the following list of what I call pet projects:

Promoting the need for Real Estate Risk Ratings first in the USA and then across the Globe.
Explaining why price and value are two very different concepts and the appraisal industry should move away from its extreme reliance on market sales.
Promoting the concept of Mortgage Lending Value (MLV) and the need to adopt MLV in the USA as a way to reduce volatility in real estate markets.
Delving into the world of Socionomics which just recently grabbed my attention.

In this first post on the Appraisal Buzz, I will provide some information regarding real estate risk ratings.

Since 2009, it has been my honor to be a member of the Real Estate Market Advisory Group (REM) of the United Nations Economic Commission for Europe (UNECE). In basic terms, the concept is to place a risk rating (scale of 1-10) on every parcel of real estate in the USA and throughout the world. Financial institutions place a risk rating on each loan, however there is no risk rating specific to real estate taken as collateral. A risk analysis of the underlying asset would benefit financial institutions in regard to more accurate loan pricing in relation to risk, concentrations in their real estate portfolios, and acquisitions of portfolios or other financial institutions.

On January 15th, I had the opportunity to present at the "UNECE Policy Framework for Sustainable Real Estate Markets: Sound rules to improve the real estate sector and promote economic growth" held at the Capitol Building in Washington D.C.

More information about the Advisory Group can be found at http://www.unece.org/housing-and-land-management/about-us/real-estate-market-advisory-group-rem.html

Information on the January 15th Forum is also available at http://www.unece.org/index.php?id=31682

For those interested in reading more on how individual real estate risk ratings can be calculated, TEGoVA (The European Group of Valuers' Associations) published a valuers guide on European Property and Market Rating in November 2003 - http://www.tegova.org/en/p4912f1ead0b2c. At this time, some banks in Austria, Germany, and Switzerland use proprietary real estate risk ratings.

As always, I would like to hear your thoughts on this concept. My hope is 5 or 10 years from now real estate risk ratings will be as common as loan risk ratings.

Comments

Submitted by joan trice on Tue, 09/03/2013 - 16:27 Permalink

Welcome Aboard

George,

You read my mind. I sometimes feel as though as an industry we aren't even having the right conversations.

First we need to examine the definition of market value. Next, as a professional we need to understand our role goes beyond merely reporting recent sale prices. Market value and price are often not the same thing. And finally what risk factors are in play?

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