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AR's community takes the time to leave honest and transparent reviews of their experiences
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Each month AR runs numerous contests as a way for our members to engage in activities
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Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
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This is definitely a pressing question these days: Who is driving the appraisal process these days?
If you answered the answered the appraiser, unfortunately you are wrong.
If you are answered the lender, ding, ding, ding, you're right.
There are many reasons why the lender is calling all the shots these days, not the least of which is they are still licking their wounds from the bad decisions they made in the prior decade. Additionally, there's an old adage in banking: Bad loans are made in good times and good loans are made in bad times.
It is fair to say that we are not in good times, therefore, good loans are being made due to lenders being overly cautious. On the contrary, back in the heydey of 2005 to 2007, those were very good times and many bad loans were made.
Were the requirements from lenders for the appraisals different between 2007 and 2012, you bet your gym shoes they were.
Preferably, there should have been no difference in the appraisal quality provided by the appraisal profession, but unfortunately, that was not necessarily true across the board. Therefore, in today's lending environment, lenders have gone out of their to take conservative steps to insure the higher probability that they are making good loans in this less than good time.
And whether you like it or not, they are lending not investing, so it is prudent to be conservative, but maybe just not nearly as conservative as they are being these days. One day soon, possibly the appraiser will have more say so in the appraisal that ultimately gets produced for lenders, but until the lender's balance sheets improve, they continue to call the shots.
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.