Monday Morning Mortgages ~ Appraisals (National Procrastination Week, wait, maybe I should do this later...) Monday Morning Mortgages is a brief week-opening report on mortgages in our area. This is a tool to assist my realty partners on loan trends, rates, program changes, and problem solutions. Appraisals Despite the sunset of the Home Value Code of Conduct (HVCC) there are still requirements and restrictions on appraisals. Appraisals must be ordered through a convoluted system beginning with the home buyer/owner supplying credit card payment information to the loan agent. Then the loan officer orders the appraisal through the lender (0 comments)