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Besides reaching the million point milestone, Gary has written a great post that needs to be circulated! Appraisals can be such a problem and we have all had our share of headaches with them.......read about the latest and perhaps not the greatest changes that have taken place...................
Clearly in today's world more and more regulations keep popping up.
It seems to be never ending with banking, taxes, law. Now effective from Sept. 1, 2011, more detail has invaded the residential appraisal world.
Some new appraisal guidelines just in case this area slipped past you. How do we keep up with it all? Hey reading blogs is a start, ha ha:
Fannie Mae and Freddie Mac have implemented UMDP (Uniform Mortgage Data Program), FHA probably around January 1, 2012, no word yet on VA
Dec. 1, 2011 electronically deliver fully UAD-compliant appraisals and expanded loan delifery data to FannieMae and FreddieMac through a new portal
March 19, 2012 lenders deliver appraisals and loan delivery data in an industry standard called ULDD
New info includes Days On Market (total) over days house on market, Offering Price (history and changes)
Sale type reported, pick first that fits on list, REO, Short sale, Court ordered sale, Estate sale, Relocation sale, Non-arms length sale (a relationship between parties), Arms length sale (no relationship between buyer and seller)
Financial assistance or concessions reported
Site area: Parcels less than one acre use square footage, greater than one acre report acres
11 Location Factors: Residential, Industrial, Commercial, Busy Road, Water Front, Golf Course, Adjacent to Park, Landfill, Public Transportation, Adjacent to Power Lines, Other
Property Style, like Ranch, Colonial, Rambler, Farmhouse, etc.
A view rating is needed: Neutral, Beneficial or Adverse
13 categories of Property View: Water View, Pastoral View, Woods View, Park View, Golf Course View, City Skyline View, Mountain View, Residential View, City Street View, Industrial View, Power Lines, Limited Sight, Other
Condition of Property: Not Updated, Updated, Remodeled
Sale Date of Comps: Good luck with an appraiser not part of an MLS getting that info
Quality of Construction: Q1 to Q6, Q1 being the highest
Access to Basement reported as Walk Out, Walk Up or Interior Only
Management Company now reported: The appraiser is now required to report the name of the Appraisal Management Company assigning the appraiser. This will weed out bad appraisers over time
Appraisals going forward will take longer to complete, COST MORE inevitably even in a down economy with competition in the profession and will require more REALTOR input to get information to complete them.
Buying or Selling - - Call Barbara-Jo for all of your real estate needs! - - 727-512-0910
Ich Spreche Deutsch!!!
Barbara-Jo Roberts Berberi, MA
Charles Rutenberg Realty
Serving the Greater Palm Harbor Florida Area,including Crystal Beach, Dunedin & Tarpon Springs Florida
If you are thinking of purchasing in the Palm Harbor, Crystal Beach, Safety Harbor, Dunedin, Tarpon Springs area or along our pristine Gulf Beaches, give me a call! With years of experience in the local real estate market, I am here to assist you in making one of the most important purchases of your life! Give me a call today! Find out for yourself why living along the Gulf Coast is indeed living in Paradise!
Having grown up in south Tampa and lived here in Pinellas County for the last 20+ years, I know the area well!
Give me a call today at 727-512-0910 or send an e-mail to firstname.lastname@example.org. Be sure to visit my web site: www.barbarajo.com
Ich spreche Deutsch!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.