About Us:

Kotar & Associates is the real estate and mortgage industry leader; teaching, speaking and writing on topics such as:

• Changing market conditions

• Governmental and regulatory actions

• Fannie Mae and Freddie Mac directives "Declining Market" Policies New Underwriting Guidelines
• New York Attorney General agreement with Fannie and Freddie Code of Conduct on Appraisals Appraiser Independence
  Independent Valuation Protection Institute
• Federal Reserve actions
• Congressional legislation
• Treasury Department Pronouncements
• Mortgage Insurance changes
• FHA and VA programs
• Other Alternatives to Fannie and Freddie

• Lender Responses to Fannie and Freddie directives

• Credit Score Minimums

• Interest Rate Surcharges

• Appraisal Guidelines