Rabble Rousing

Monday, December 15, 2014
Keith Wolf

I was at an industry sponsored Holiday luncheon the other day. A member of our State Appraiser Coalition was giving us an update on the petition that was distributed and delivered to Fannie Mae regarding Collateral Underwriter. To paraphrase, our coalition member said: Fannie Mae called because the Illinois Appraisers are Rabble Rousing again.

The Uniform Standards of Professional Appraisal Practice Standards Rule 3-6 requires each appraisal to contain a signed certification. To summarize portions of that certification, it states:

  • The reported analyses, opinion and conclusion are …. unbiased professional analyses, opinions and conclusions
  • My engagement in this assignment was not contingent upon …. Reporting predetermined results.
  • My compensation is not contingent on an action… from its use
  • My compensation for completing the assignment is not contingent on development or reporting of predetermined assignment results that favors the cause of the client…

Many are going to disagree with the opinions of this paper, others are going to agree. The intent is to be able to see the forest through the trees without clear cutting the trees to see the forest.

  1. We all have violated the above at some point and time in our career and continue to do so.
  2. All of us have received the following request from our clients "We can't approve the loan unless you provide us with x, y and z from our supplementary guidelines that you agreed to comply with in the engagement letter you signed, for which you won't get paid for unless you comply"
  3. We can't pay you for that review unless you provide three additional comparable sales and reconcile into a new opinion of value, just use the extraordinary assumptions allowed in USPAP to make your compliance concern go away.
  4. Please provide comparable sales that have sale prices within 25% of the unadjusted comparable sale prices, really. Predetermine the value and then choose comps that fit.

The examples are endless, we all have them.

USPAP and State Licensing place the burden of compliance on the appraiser. There is no burden of compliance on the lender or the AMC. Many will point to Dodd-Frank and the Appraiser Independence Rule and disagree. Well, then why is it still an issue, because there is no penalty to a Lender or AMC. The penalty is applied to the appraiser. Do the GSEs have a DNR list for AMCs? Appraiser Independence "Does Not Exist" in the Residential Appraisal Mortgage Process.

Let's remove the cloak: The Residential Mortgage Process is designed to "Approve the Loan". A clear violation of the USPAP Certification.

Need more examples. Can someone show me in USPAP where it says the comparable sale has to be within 6 months of the effective date, within 1 mile of the subject and you can't make across the board adjustments for differences in physical characteristics? Underwriting Risk Guidelines are not the "Appraisal Process" and should not be the stick Teddy Roosevelt carried. Underwrite the risk don't manipulate the appraisal to mask the risk like how review appraisals were used in subprime lending contributing to the financial crisis.

The Engagement Letter says the appraisal must comply with USPAP but must also comply with the lenders additional supplementary standards. Those supplementary standards introduce bias into the comparable selection, they are also parameters that must be met in order for the loan to be made, the appraiser to get paid and therefore in essence the assignment was accepted on delivering a report that met pre-determined assigned results favoring the client.

I can hear the grumbles from the audience already. Clear cut those trees so you can see the forest, stop hiding behind the illusionary cloak of USPAP compliance.

It's easy to be an armchair quarterback and point out the flaws. It's very difficult to change how an entire industry does business.

United as an industry we can change it, fragmented we can't. Join your local State Appraiser Coalition. They have the ear of the ultimate decision makers at the State and Federal Levels. Lobby for stronger AMC regulation, at a minimum an AMC should be subject to the same risk as an appraiser and probably a higher standard since the lending industry has made them the gatekeeper. First loss position belongs to the AMC, it's their responsibility to tell their client what they are requesting is a violation of USPAP and Appraiser Independence.

Stop assuming that an Engagement Letter with terms compromising the requirements of USPAP is protection, because if you ever get in front of a Disciplinary Board or worse a Judge in a Civil Case with the FDIC as the plaintiff you may be in for a rude awakening.

Keith Wolf holds the SRA and AI-RRS designations awarded by Appraisal Institute, is a Certified Residential appraiser in IL, CVR Certified in Multiple Regression Modeling, and a Licensed Managing Real Estate Broker in 5 states. His 33 year financial services career spans regulatory compliance, underwriting, asset and valuation risk management for Household, Ocwen and Wingspan. He is currently a candidate for a Master Degree in Data Science with a Certificate in Applied Geospatial Science at Elmhurst College with a goal of developing a browser based platform that appraisers and lenders can use to manage valuation risk.

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

Comments

Submitted by Linda@sepsoappr... on Mon, 12/15/2014 - 16:50

Bravo - for the comments Ken.

Now if we could only get the Lenders to understand!!!!!

Submitted by jimmany1 on Mon, 12/15/2014 - 17:25

Keith-
Thanks for the great article. Glad to see this is becoming public knowledge, finally! Now we just need some lobbying power with our government to get somebody to wake up and realize what has happened to our industry. AMCs definitely need to be monitored, and not by the banks that created them! Now if I could only get a raise after 16 years, I could afford to keep working in this crazy business!

Submitted by Greg Amburgy on Mon, 12/15/2014 - 17:39

Strong article. I just went to Bradford's webinar on Collateral Underwriter. In my opinion, this is a move toward total automation of the appraisal process and the elimination of our profession. It's about time to call a national strike. Let them go a month without appraisals and watch the industry wake up to what's about to happen.

Submitted by j0hnD4viDsoN on Mon, 12/15/2014 - 18:02

I totally agree that nearly the entire lending industry is geared to close then unload the loan.

USPAP requires that we comply with supplemental standards. If you do not agree with the client's supplemental standards, don't accept the assignment. Sure, they will likely give the job to someone who will accept it no matter what is asked of them, and hopefully that individual will be out of the business that much sooner because of a lack of ethics. However, by simply communicating with the client that an assignment is unacceptable as requested and informing them that these items can be used if the wording is slightly changed, I have often gotten the job with little or no issue afterward. I work in a rural area and often have to explain that comparables within certain distances, time frames, etc. are usually not possible.

Another route is to just add more comps to fit the client's whims, place no weight on them and simply note that they are included because the client requires it. Sure, its a waste of time, but its effective.

The bottom line is, don't blame others when you accept a job you shouldn't in the first place. If we all did that, we would have a lot less of these idiotic requirements.

Submitted by jwalitt on Mon, 12/15/2014 - 18:09

Lenders that truly know what they're doing and are actually interested in getting an appraisal that is USPAP compliant will have a comment like "If these guidelines cannot be met, please provide details supporting why." It so happens I just received an order from an AMC stating that FHA guidelines of 10%, 15%, 25% and within-12-month transactions must be adhered to. I explained this particular market area would often necessitate exceeding those guidelines, and I instructed them to add such a statement as above. They did, and I accepted the order. We do need to read the engagement letters. On another note, I may not be popular to say it, but FNMA has actually done a few things lately that are supportive of appraisers. In their recent FAQ's, they specifically and clearly state to lenders that 1-mile radius, 12-month timeframe for sales, 15% and 25% guidelines, etc. are not actually found in FNMA Selling Guide.

Submitted by jwalitt on Mon, 12/15/2014 - 18:29

I should have said "...requirements, etc. are not actually found in FNMA Selling Guide." The point being that FNMA is emphasizing they are guidelines - not requirements - even though some lenders will never let go of them and consider them hard-and-fast requirements.

Submitted by Levin Messick on Mon, 12/15/2014 - 18:13

Wow, What part of no don't the people at Fannie understand. The gutting of Franken-Dodd yesterday is only putting the crooks more firmly into the drivers seat. One reason I fired the lenders a few years ago for other clients who like honesty in their appraisers. Good article.

Submitted by GUY HALL on Mon, 12/15/2014 - 18:59

I hate to be negative but I am done. I don’t want to come off as a California nut job but I fail to see any positive outcomes for Appraisers dealing with Fannie/Freddie. I am not inflexible and make changes when needed in all areas except for my ethics and integrity. This has been my greatest Strength and Weakness. Collateral Underwriter is more damaging to appraisers than was the HVCC, Frank/Dodd, UAD & Regulation Z combined. Fannie & Freddie won’t be happy until they receive an all-electronic computer generated appraisal (AVM) that they can easily change the input requirements on to suit their goals.
There is no such thing as TOO BIG TO FAIL when it comes to Banks. We are heading for another crash. California Real Estate has again been artificially inflated by lenders holding on to their shadow inventory of REO’s and not releasing them into the market. This is how they maintain their increasing asset requirements without tying up cash. This has created an artificial listings shortage that has increased home values due to the scarcity of listings of California Real Estate. Any day now you will see lending guidelines begin to loosen up to accommodate inflated prices. Congress just loosened up the Regulations on Frank/Dodd in the Budget Bill, the banks bought them off again. Thank you Congress! I know you have a tough job and this was the best you could do under such great pressure from the amazing number of bills that you put through this year, how are your campaign funds doing now?
Listen for the AM Radio ads that will soon be coming out with great terms on Adjustable Rate Loans with lower credit qualifiers. Current owners are holding on to their properties riding the wave up again. Within the next year or so it will all come tumbling down either just before or just after the 2016 elections. I am seeing low quality (Q4&Q5) and fair to average condition (C4&C5), 50+ year old homes selling for 350 to 400+K in poor quality neighborhoods. I have reduced my Fannie/Freddie portion of my business to less than 20%................
How good can the economy be when you hear an overdose of Cash for Gold, Payday Loan, Get Cash Now for you Settlement Annuity ads all over AM Radio? How can California still trail the National average on Unemployment yet be in the top 5 for Home Price Appreciation?????????? A Rising Tide no longer lifts all Boats only Yachts.

Submitted by Caba Realty Services on Mon, 12/15/2014 - 19:02

You want rabble rousing? It is past time for Licensed Appraisers across the USA to organize into one, coherent and formidable force to counter those arrayed against us. I am speaking of the banker's lobby, the quasi-governmental lobby Fannie and Freddie, the Legislators themselves and all of the other groups who continually snipe at us and grab the fruits of our labors. We are the lone wolves who sit in our little offices across the country, who by and large produce honest and in depth analyses of the real property that we tackle and are the butt of the blame for reporting on the markets as they are found, inflated by government decree and lender's latitude with their lending policies. At every turn there is another entity springing up to grab a percentage of the fee that is paid for by the borrower as increased regulation and addendums pile on the time and effort that it takes to complete a report. Our demographics are such that death and retirement are shrinking our ranks while onerous education and training requirements are serving to discourage new entrants into our ranks. It is apparent to me that there is a desire to see the Fee Appraiser go the way of the Travel Agent with Skynet like computers compiling data to provide lenders a basis for making loans worth hundreds of thousands of dollars without having to pay a human a few hundred dollars to actually walk into the home that they are securitizing. If you are as tired as I am of being pushed around and having the walls of your office being the only thing that hears your frustration send me a note at cabarealtyservices (at) gmail and together maybe we can begin to build number to make our voices heard...beyond our four walls.

Submitted by lrhyder on Mon, 12/15/2014 - 19:31

Isn't it strange how Fannie Mae keeps coming up with these seemingly useful and necessary tools to make appraisals stronger and strengthen quality control? Why is it that no one seems to realize that the fox is in the hen house? With their management record they shouldn't be allowed to make a rule about anything without the appraisers having a sayso. It's just a matter of time until they bypass the appraiser and besides they only reason they keep him around now it to have a place to lay the blame.

Submitted by NEGAAppraiser on Mon, 12/15/2014 - 20:28

Friends, it is over. We have lost. I am out of this wretched business as soon as I can make the transition into real estate sales, the only other thing I know. I have done this for 21 years and am very skilled at it. I am so angry at what has happened to us that I can hardly contain myself. I have spent the better part of my adult life becoming extremely good at something that has almost no value any longer. I beseech you if you are under 40, for the sake of yourself and your families, quit now !!. Our profession is doomed, doomed by the actions of arrogant and selfish politicians, avaricious bankers, out of touch academics who set appraisal standards without having ever made a living appraising. We have also been damned by our own personalities and foolishness, personalities that keep us from fighting together against opposition even as we are assailed upon every side. In my own state of Georgia, I have seen multiple attempts to organize appraisal associations sadly fail. They start with excitement and purpose only to end with internecine fighting and fatal power struggles. If you examine the last few years you will realize that there has been a constant erosion of the role of the appraiser in the banking industry. The big banks have managed to transfer the risk to the public sector (Freddie Mac, Fannie Mae, HUD, VA, USDA) all the while keeping rewards in their own pockets. We are the last obstacle on the road to utter freedom in lending. Wake up friends and begin to plan your escape, the sun is setting on us.

Submitted by dptappraiser on Tue, 12/16/2014 - 00:01

I must agree with your statement. Last week I was so fed up with this industry I actually cried all day. I just couldn't stop. Like many of you I have spent years perfecting my craft only to have congress, Fannie/Freddie, Dodd-Frank, AMCs, and now collateral underwriter continue to put nails in my coffin. I'm going to begin flipping houses to get out of this business. I simply can't take it any longer. A the drop of a hat someone that has NEVER been in appraisal profession can put me out of business with the stroke of a pen.

Submitted by Retired Appraiser on Tue, 12/16/2014 - 15:28

Unless you are independently wealthy you may want to consider setting up a small real estate syndicate to flip your first homes. If you don't know CPAs, doctors, & lawyers, go after small time contractors...they know the value of flipping houses but are rarely in a position to do it alone. Use as much OPM as possible to reduce your risk. Since your doing the hard part the least they can do is throw their money at you. Hope you don't mind the suggestion.

Submitted by Retired Appraiser on Tue, 12/16/2014 - 15:22

You're on the right track (leaving) but your chasing the wrong train. Real estate sales in nearly as wretched and one hundred times more competitive. I suggest home inspection. Better hourly pay for the work assignment and you can typically collect at the door. Your experience in appraising will also put you miles ahead of your competition whereas it will do very little for you as a Realtor.

Submitted by Retired Appraiser on Tue, 12/16/2014 - 15:17

" It's very difficult to change how an entire industry does business." Not hardly.

It didn't appear to be very difficult to change how the industry did business in 2009. If I remember correctly they flipped the entire industry on it's head and chopped off it's legs overnight. You simply need to be in a position to hand the banking lobby a new multi-billion dollar payoff plan. Right Mr. Cuomo? Changing how this industry is run is incredibly easy IF you have the banking lobby behind you (the most powerful lobby in the world).

I suggest rousing the rabble considerably more or better yet, getting out while you still have a few bucks in your pocket.

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