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Good article Jen. The HVCC rules has made things very difficult for brokers. I was one, and after my second appraisal ordered through HVCC took over three weeks, I left to work for a local mortgage bank. We have our own HVCC system, and our underwriters, who sit in the office with me, can talk to the appraiser. Even better is that because we don't work through an AMC, who tend to take half the appraisal fee for themselves, we are able to pay our appraisers properly, and are finding they do a much more thorough job, and getting appraisals back to us in a couple of days.
In this environment, it is important to know who has the capabilities and architecture to get things done. I know some great loan officers in Tucson who I would recommend working with, if they weren't working for broker shops who have to deal with so many extra levels of frustration and delay.
Simon