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Online Petition to allow appraiser access to data they provided through the Uniform Appraisal Dataset (UAD).

Petition Created: 11/10/2014

To: Fannie Mae and Freddie Mac (together known as the GSEs)

Fannie Mae’s Collateral Underwriter (CU™)

Fellow appraiser,

I am asking that you to take a moment to participate in this important industry effort.

Fannie Mae’s Collateral Underwriter (CU) will be available in the first half of 2015.  The CU performs automated risk assessment of appraisals submitted to the Uniform Collateral Data Portal based on information that you provided through the Uniform Appraisal Dataset (UAD).  The CU provides a risk score, flags, and messages to the lender.

The GSE’s have mandated that all appraisals be submitted in the UAD format; however, currently there are no plans to provide appraisers access to this data.

This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.

Please join this online petition to allow appraiser access to the data that they provided through the Uniform Appraisal Dataset (UAD).

Thank you

Richard deVerdier
2014 ICAP President

Sign Petition

By signing this petition you are affirming that you are a licensed or certified appraisal professional.

*Disclaimer: All information you provide on this petition signing form will be public on the petition signatures page, except your email address.
First: Last:

Signed By:

No. Name State Date
3960Charles Minzenberger, SRAIL10/05/2017 8:12 AM
3959Mark MusurlianIL08/14/2017 8:50 AM
3958Kathleen PhillipsIL08/09/2017 8:06 PM
3957Mark MusurlianIL06/06/2017 7:35 AM
3956Derek StoddardNV05/01/2017 12:08 PM
3955Irene BacogiannisIL04/29/2017 7:20 AM
3954Bob McDonaldIL04/24/2017 2:36 PM
3953Nicholas BorycIL04/23/2017 11:41 AM
3952Andrea WolfeIL04/18/2017 3:31 PM
3951Edmund Hildebranski IL03/30/2017 1:27 PM
Please let us have access to the database.
3950Gary ErnatIL03/08/2017 10:21 AM
It would be helpful to all in the industry if appraisers had access to this information.
3949Christopher HallIL02/21/2017 9:22 AM
3948Alfonia RoyalIL01/13/2017 2:48 PM
This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process.
3947Jim WilsonIL01/03/2017 8:57 PM
3946Jay O'BristIL12/28/2016 12:41 PM
3945Gerald JohnsonIL12/27/2016 10:05 AM
If we created the data as a group, we should have access to the groups data
3944Marianne ThompsonIL12/27/2016 8:06 AM
3943Thomas ConwayIL12/12/2016 8:49 AM
3942Debra DilleyIL12/07/2016 12:31 PM
3941Randy LedbetterIL12/06/2016 9:54 AM
3940Andrew AndersonNJ11/15/2016 5:19 PM
If we the appraisers signed it? We should be able to have access to this data. Or is it another fault in the system where others are making subjective assumptions on our behalf's and making money off appraisers backs again ????
3939andrew WatkinsVA11/14/2016 9:28 PM
The GSE's have very accurate subject property information data that they stole from the appraisers yet will not let the appraisers access it.
3938Ralph HarkisonIL11/09/2016 10:34 AM
3937Barbara NealIL10/26/2016 10:16 AM
3936Alan D'AlbaIL10/24/2016 9:54 PM
3935Alan D'AlbaIL10/24/2016 9:52 PM
3934David WarrenIL10/15/2016 1:10 AM
The new FNMA CU is based on appraiser input UAD...Since this is the appraiser's data FNMA should allow access to this information, all information from the beginning of the process to the end. I always wonder and am concerned when transparency is no longer available to all parties involved, including the appraiser. The implementation of a process that neither the underwriters or their subordinates (AMC) understand. Consequently they simply pass any and all questions raised by the CU program on to the appraisers to answer. Some questions asked of the appraiser from lenders & AMCs makes no sense and is ridiculous. Usually, the answer to the questions asked are already explained in the comments of the report. Since they do not READ the comments they simple ask these ridiculous questions and expect the appraisers to provide an addendum with an answer again. I don't receive sufficient pay or fee on a job for the time they expect me to put into a report to satisfy a question already answered. I believe at time this entire process is to set the system up to implode, so they will then have the excuse they need to remove the human element, the appraiser, and use a computer program utilizing information that they have accumulated from appraisers. Furthermore, if the fees don't increase with the additional time/work required by the appraiser, there will be no reason to pursue a professional career as an appraiser. With a 4 year degree in would be better to pursue another field to provide an income equal to or over what most appraiser's are currently making. The appraisers like me with almost 30 years will retire and there are so few new people entering the appraisal profession, as seen in Illinois, they will use that excuse to remove the human factor, the appraiser, and utilize valuation computer programs models to determine market value on most residential property. Times are a changing, but with the current change don't remove the appraiser from out of the loop as the appraiser should have full access to all information available to other parties involved in the entire process.
3933Jeffrey MayernichIL10/05/2016 5:44 PM
3932Zivka LjuticIL10/03/2016 11:46 AM
3931John St ClairIL09/28/2016 9:30 AM
This information would certainly help appraisers do more accurate appraisal reports. It would also help refine the integrity of the data in the appraisal report. I was a collateral underwriter with a large bank for 13 years and now doing appraisals again. I am very familiar with the back end of the mortgage lending business. This one is a no-brainier. Appraisers should not only have access to this data, but should participate in the ongoing updates to the system
3930Tracy PierceIL09/16/2016 11:08 AM
3929ZIVKA LJUTICIL08/17/2016 12:39 AM
3928Robert StevensIL07/13/2016 10:29 AM
3927Floyd RobinAZ05/31/2016 9:38 AM
It is necessary for appraiser to have access to the same information that the lender's have in order to reduce the number of possible errors in the reports. If FNMA truly was interested in improving the quality of appraisals, they would provide access prior to the report being sent to the lender instead of the appraiser being broadsided after the fact because he or she incorrectly indicated a different detail on a prior appraisal.
3926Debra LobachCA05/25/2016 2:45 PM
3925Richard RokusekIL04/05/2016 11:43 AM
Fannie Mae should use CU to HELP the greater public. As it stands today, CU is simply a data aggregator which in aggregate gradually eliminates the need for appraisals. CU is also implemented as a more Punitive too, versus Prigressive? Why doesn't Fannie Mae strengthen the quality of the appraisal process and its loans? Why not use their Public subsidized money for the greater Public good? Give appraisal professionals all the tools available and the quality of appraisal reports will undoubtedly improve. Better data for all those involved in the Valuation process equals better, fundamentally sound lending benefitting all of the greater public.
3924Glenn LeoNH03/29/2016 6:59 AM
Why are untrained, unlicensed underwriters able to lazily plug our reports into CU and say it got a bad score and is no good?
3923Patty SinesWV03/10/2016 7:59 AM
The CU is first and foremost important in the appraisal process, I work in a state where many assessors offices do not allow access to the public data, I have been told "You need the property owners permission for me to release that data to you" in the year 2016 it is hard to believe we are still in the dark ages in WV but we are! The counties of Logan, Clay, Mingo, & Boone are difficult to deal with, not to mention what this does to property values. We need the data to be shared with us so we can do our job correctly.
3922Donna ParrishWV01/26/2016 2:39 PM
3921Joe MaasIL01/11/2016 12:06 PM
3920Steve VertinIL01/07/2016 4:46 PM
I believe it reasonable to be able to access information appraisers provide.
3919Jerry SullivanAR01/07/2016 11:30 AM
3918Jeff LoringIL01/04/2016 7:45 AM
3917Alan DAlbaIL12/23/2015 5:45 PM
3916Douglas wilburnTX12/13/2015 10:05 PM
3915Peter ThommesIL12/08/2015 2:24 PM
3914Don St.Germaine IL11/19/2015 7:32 AM
The data needs to be available to all users!
3913Patrick FelveyIL11/12/2015 10:56 PM
3912Joseph McAleerAL11/11/2015 7:09 PM
3911Andrea WolfeIL11/10/2015 3:26 PM
If someone is collecting my data and repackaging my data with other appraiser's data, for financial means, appraisers should be notified and compensated for our work. I spoke to an attorney and she said I would need to copyright every report which would cost a lot of money.
3910Diana NytkoCT11/01/2015 11:16 AM
3909JoAnn BeaulieuCA11/01/2015 11:01 AM
3908Rachelle FalgoutLA10/20/2015 9:24 AM
3907Mark SchilloIL10/08/2015 3:59 PM
3906Dan GonioIL09/30/2015 8:24 PM
3905Ron NapierIL09/15/2015 7:14 PM
Thank you. You might also like to know, 1. That many lenders are putting "Review Appraiser" duties onto Underwriters. If a review appraiser actually read the reports, we would not get so many ridiculous questions, most of which are already IN the reports, or obvious through the techniques. 2. TSI (an AMC) inserts themselves as a contact person for Quicken Loans, when the Lender requests a report, and the Client is the VA. TSI reviews the reports from out of State, maybe not even a reviewer, maybe also not licensed in Illinois, as should be. For future considerations. Thank you.
3904Gary SwiftCT09/11/2015 9:24 AM
The beginning of the end for appraisers.
3903Daniel SompolskiIL09/08/2015 3:40 PM
3902David BramuchiFL09/08/2015 10:10 AM
3901Richard PalmIL09/04/2015 3:23 PM
3900Ronnie LougonLA09/03/2015 9:42 PM
If Fannie Mae does not provide data all appraisers should sto performing had reports period
3899Christie BailiffFL08/31/2015 11:54 PM
3898Kimberly KorbeOR08/03/2015 9:59 PM
3897Bob McDonald cornmcd@msn.comIL07/21/2015 10:57 AM
3896PAUL TELLEFIN07/09/2015 4:41 PM
It's basically unfair to grade me if I have to complete appraisals without all the pertinate infromation available to the GSE's. It would undoubtedly help all of us if that information were available. If we all knew how our peers were grading properties it may give me reason to evaluate my thoughts.
3895Richard OMalleyIL07/07/2015 6:07 PM
3894Ralph HarkisonIL06/30/2015 1:12 PM
3893Rita QuinnIL06/08/2015 11:53 AM
3892Carolyn davisTX06/04/2015 7:44 AM
Thanks for starting this
3891Mark BushnellIL06/04/2015 12:16 AM
3890Lisa RittenberryMI05/11/2015 7:54 AM
3889Alan La ValleIL05/09/2015 8:36 AM
3888Robert GoodmanNJ05/07/2015 12:56 PM
3887Sharon KieblerMD05/07/2015 7:40 AM
The appraiser providing the data should have access to the information.
3886Jeff HodginsMS05/06/2015 2:18 PM
3885Judith BiedenkappMD05/04/2015 9:32 AM
Please provide appraisers access to the data in UAD.
3884Gary BiedenkappMD05/04/2015 6:29 AM
3883Ken MollanIL04/28/2015 11:28 AM
3882Terry BiesterfeldIL04/20/2015 4:30 PM
3881DAVID HAMELCA04/18/2015 4:55 PM
The assembly and consolidation of data must be reciprocal. The appraiser providing the data must have access to the information.
3880kenneth welcherCA04/17/2015 6:14 PM
3879Mandy DellevoetCA04/17/2015 3:37 PM
3878Roy TremainIL04/17/2015 10:18 AM
3877Agnes LeeCA04/15/2015 12:21 PM
3876Michael FordCA04/14/2015 8:49 PM
I've taken the Mortgage Professionals online FNMA webinar for CU. While I believe it is too flawed for use by non appraisal professionals, Id also concede it is EXACTLY the right tool for appraisers! Using CU BEFORE one ever inspects a property can assist the appraiser in insuring he/she focuses extra attention on the areas of most concern in higher risk appraisals. Calif. Gen. Cert. Appraiser; Chairman, National Appraiser Peer Review Committee & Member Advisory Board of the American Guild of Appraisers (AGA); Realtor & QC Reviewer for an AMC. 1. Allow-in fact ENCOURAGE use of CU by appraisers BEFORE they do their field work and; 2. Permit use of the proprietary FNMA messages and risk ratings to be communicated to appraisers. Clerks are not adequately skilled to reinterpret appraisal concerns in a meaningful & credible manner that licensed or certified appraisers would typically accept (critiques).
3875Mary DavisTN04/14/2015 7:37 PM
3874Sherry YorkTX04/14/2015 12:06 PM
3873Bernard DevereuxMA04/14/2015 10:16 AM
3872Kenneth SmithCT04/13/2015 6:24 AM
Freedom of information - innocent until proven guilty - foundation principles of our country yet we have to petition to be allowed information gathered from our work which judges our integrity and credibility rather than grade our work and suggest solutions to facilitate solutions to minimise mistakes.
3871Nana SmithCT04/11/2015 12:30 PM
3870Mark WirthIL04/06/2015 2:34 PM
3869Lauren WillisNC04/04/2015 11:02 AM
3868Nancy HenryCO03/28/2015 10:13 AM
3867Ida RomoIL03/28/2015 9:48 AM
Appraisal profession meets "Common Core" = the "Kelly Blue Book" of property values. This concept is equal to purchasing a vehicle without ever visually inspecting it or taking it for a test drive ... Which leads to the elimination of review appraisals as well as the probable elimination of a once respected profession ... Bottom line = another "Crisis" in need of a "Band-Aid" which creates another "Crisis" requiring yet another "Band-Aid" and on and on and on.
3866Michael WalshIL03/26/2015 9:47 AM
3865Veronique GuccioneNY03/24/2015 5:14 PM
3864James BarrettCA03/19/2015 10:31 AM
Let's work together to improve the quality of appraisals for everyone's benefit.
3863David ChoyCA03/12/2015 10:38 AM
3862Norman MarshallNV03/11/2015 11:20 AM
3861Marian FinneganNV03/11/2015 11:02 AM
I'm certified in California and Nevada
3860Tiffany MonroeME03/11/2015 10:58 AM
This makes absolutely no sense.
3859John FazioCA03/10/2015 3:30 AM
Please share the data that we have readily supplied Fannie mae thru our reports over the years.
3858Larry TackCA03/09/2015 10:12 PM
3857Edward NugentCA03/09/2015 4:44 PM
3856Michael WilsonCA03/09/2015 12:04 PM
3855Michael WilsonCA03/09/2015 12:03 PM
3854Michael W CooperCA03/09/2015 11:08 AM
It can either be a tool to destroy appraiser's or it can be a tool to help appraisers. If the information is not available to appraiser's, it will not be there to help.
3853Steven GileCA03/09/2015 8:03 AM
3852Concerned AppraiserCA03/06/2015 4:09 PM
When are appraisers going to wake up and realize that we have had absolutely no input regarding the UAD appraisal form & data mining from the form, the 1004 MC form and now the Collateral Underwriter? All the while AMC’s are paying us fees that usually amount to about minimum wage. We are currently earning rock bottom fees and now we are supposed to take whatever additional time is necessary to address CU issues, no matter how incorrect these issues may be. I hate to use this terminology but you idiots out there need to double your fees and if AMC’s refuse to pay these fees than all appraisers need to stage a general national strike for better wages and refuse to work for about two weeks. If we refused to work for just a few weeks the whole lending process would come to a screeching halt, newspapers and professional publications will publish favorable articles explaining why we are on strike - no input in terms of the forms, reports, policies, guidelines or anything pertaining to Freddie Mac and Fannie Mae, and fees that are about 50% of what we earned a decade ago. Or we can continue along just as we have with our heads in the sand while more changes are made to our profession without any input from us and our earnings drop even more due to the additional hours we have to spend explaining CU questions that even a moron would understand if they actually read the report.
3851Steve CarterWA03/06/2015 1:52 AM
3850Steve CarterWA03/06/2015 1:51 AM
3849Fred RowlandCA03/05/2015 8:33 PM
To provide clients with the best possible appraisals all data that is available from all data sources should be made available to all Licensed and Certified appraisers. Withholding data so this information can be used at a later date as a “gotcha” to use against appraisers goes against transparency, professionalism and basic American fairness. There is no supportable reason why this data should be withheld from professional appraisers if Fannie Mae and Freddie Mac truly want the best possible appraisals. Using secret and hidden data to force an appraiser to make changes in an appraisal at a later date is not only counterproductive but it is inherently evil. ALL DATA AND INFORMATION FROM ALL AVAILABLE SOURCES SHOULD BE PROVIDED TO THE APPRAISER!
3848Jerry GattCA03/05/2015 6:08 PM
If appraisers helped weave the rope we may potentially hang from, we should at least be provided the luxury of inspecting the quality of the rope first.
3847Crystal AndersonWA03/03/2015 6:22 PM
The lender must not make demands or provide instructions to the appraiser based solely on automated feedback. Also the CU license terms prohibit using it "in a manner that interferes with the independent judgment of an appraiser." Fannie Mae expects the lender to use human due diligence in combination with the CU feedback, and will actively follow up with lenders who are reported to be asking appraisers to change their reports based on CU feedback without any further due diligence." So rather than writing a paragraph about your work, just copy and paste this paragraph above into an addendum, then add a statement that you will be happy to respond via a verbal communication with a human responsible for the report review, and will add further written information only if considered absolutely necessary.
3846Crystal AndersonWA03/03/2015 6:18 PM
3845Neal Copeland MS03/03/2015 1:25 PM
3844Angie NealMS03/03/2015 12:33 PM
3843Jeffrey S LybrandTN03/02/2015 7:05 AM
3842Jeffrey S LybrandTN03/02/2015 6:58 AM
The CU data should also proviveded to appraisers to ensure transparency. The data base is exactly what appraisers need to consistancy between differnt reports. The data that an appraisaer collects at the inspection is very important. They due not have to rely on thr realtors bios openion or unreliable tax records.
3841Barbara AndresKS02/28/2015 6:37 PM
3840Lauren WillisNC02/26/2015 8:11 PM
Appraisers are getting bombarded with information on how to appropriately adjust in order to compete with some sophisticated database. Instead of paired sales analysis, now come up with your own algorithm so your adjustments are done the same way as the CU. Get it wrong and face a black list. Get it wrong and take the heat once again for the world falling apart. But we will not give you the data.
3839D MoxleyMI02/25/2015 11:04 AM
This is like having no MLS data and trying to comment on someone elses Data. Raise your fees now. Can't believe there are still appraisers working for 1988 Fees.
3838Brian C ZumbergeMN02/25/2015 8:21 AM
3837Dean KellyPA02/24/2015 2:28 PM
URAR Appraisers Certification Page: #12 I am aware of and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other data sources for the area in which the subject is located. Per the FNMA CU this is not the case.
3836Linda BistranskyPA02/24/2015 1:39 PM
3835Penny MurdenIL02/24/2015 9:29 AM
3834Penny MurdenIL02/24/2015 9:28 AM
3833Paula SherwinNY02/23/2015 8:29 PM
3832David SherwinNY02/23/2015 8:28 PM
3831Alan D'AlbaIL02/23/2015 7:51 PM
If we are going to graded on the UAD, appraisers should have access to the methods being used to obtain adjustments for free.
3830chad gravittTN02/23/2015 11:06 AM
3829David EAtonCA02/22/2015 2:59 PM
The new FNMA CU is based on appraiser input UAD...Since this is our data FNMA should allow access to this from beginning of the process. Why are they not being transparent. They implemented a process that neither the underwriters or their subordinates (AMC) understand. Consequently they simply pass any and all questions raised by the CU program on to the appraisers to answer. You would not believe the stupid questions I am now receiving from the lenders & AMCs. Additionally, many of the questions are already explained in the comments of the report. Since they do not READ the comments they simple ask these stupid questions and expect the appraisers to answer them AGAIN. I do not have the time to play this game nor are they paying enough money to play this. If they keep this up they will get what they want which is to get most appraisers to quit or retire.
3828Eric VanderWaalWA02/22/2015 10:18 AM
3827Bryan KlostermanMD02/22/2015 6:18 AM
It really does not make sense to not share the data. Why wait until the appraisal is completed then start showing the appraiser all kinds of data that comes from detailed appraisals that they have compiled over several years. I would love to have access to an appraisal that was completed on a comparable. It really is data collection time throughout the appraisal process and why fannie is holding this information from the appraiser is ludicrous if not childish.
3826Wayne SchulteMO02/21/2015 1:46 PM
No spam please...
3825Tammy RichardsonCA02/20/2015 10:31 PM
3824Alice GarciaCA02/20/2015 8:23 PM
3823Heather KehrMD02/20/2015 1:30 PM
3822John Jurasek NJ02/20/2015 11:02 AM
3821John Jurasek NJ02/20/2015 11:01 AM
3820DOUGLAS THOMASGA02/20/2015 8:54 AM
3819Thomas E NoonanTN02/20/2015 8:04 AM
3818Thomas E NoonanTN02/20/2015 8:03 AM
3817Christine CastroMI02/20/2015 7:31 AM
3816Charles SwansonMI02/20/2015 6:38 AM
3815donald mcrobertsMN02/20/2015 5:26 AM
3814Ernest FranklinFL02/19/2015 4:18 PM
3813Gary ZumbergeMN02/19/2015 3:39 PM
I fully support efforts to improve the professional skills of residential appraisers striving for meeting and exceeding needs and expectations of their clients.
3812Timothy NortonMT02/19/2015 3:23 PM
Its data that we have paid for via our MLS databases, and it is our professional opinions and research that we have preformed. To have it potentially utilized against us in a review process without providing the factual evidence is ridiculous. The GSE's have often acted like the standard of the industry that we all were forced to follow to do business; albeit most guidelines were positive and helped the industry. However gathering our own data and not providing it for us to create a better work product, and allowing it to be utilized against appraisers, weather sanctioned or not it will be by lenders who will blindly and uneducated follow another regulation is just the next generation of lender pressure that appraisers have fought for 26 years.
3811Mike PearsonIL02/19/2015 3:22 PM
3810Michele CookFL02/19/2015 3:22 PM
3809Augustus GlascockGA02/19/2015 3:19 PM
3808Ron PattonTN02/19/2015 3:03 PM
FNMA intent is good, but they are depriving appraisers of the core data necessary to improve appraisal accuracy.
3807Donna GutierrezHI02/19/2015 1:44 PM
I just found out through self education that I have been rating homes incorrectly. Since FM wants a universal definition, they must realize that not all appraisers are going to 1. understand FM's intent and 2. get the Q & C right. If I know what other appraisers have indicated in the quality and condition ratings, and still stand by my definition with point by point support, that should throw the question back to FM to question the other appraisers, who probably have it wrong due to misinterpretation. FM could then ask these appraisers to take Richard Hagar (or another authority on the subject) webinar. If we all have to do this, lets all do it together.
3806Harry DavisTX02/19/2015 1:43 PM
Since the CU model is based on multiple regression, we should be using this as well to support our adjustments, but I have personally received strong push back from lenders and government reviewers who do not understand it (or just plain do not want to see it) and expect me to do things the same as others who don't use regression. I have gotten this even when I can prove conclusively that my regression model is highly accurate & reliable. Tradition is a hard thing to change. So in effect we are being scored by a methodology that (1) we are not allowed to share data from that we provided, and (2) we are too often not allowed to use ourselves. I can certainly understand Fannie's desire to improve appraisal results. I have reviewed my share of bad appraisal reports. I am just pointing out a disconnect between CU and what's out there on the street.
3805jeff reilyCA02/19/2015 12:58 PM
Trying to keep this data from the appraiser in this age of big data and transparency shows how biased/influenced FNMA is and how unrepresented appraisers and the public are - did they really fire the consulting appraisers who provided an opposing POV?
3804William BrushCA02/19/2015 12:51 PM
3803JULIE LEECA02/19/2015 12:21 PM
3802Tonita QueenFL02/19/2015 12:21 PM
We should be able to have access to any information related to us.
3801Todd MannoLA02/19/2015 12:15 PM
3800Anthony GrassCA02/19/2015 11:52 AM
I am particularly favor of the preceding statement, "This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public." This will also tend to head off any potential problems that may delay funding, thereby streamlining the process.
3799Kathleen DuFresneCA02/19/2015 11:39 AM
Transparency is the right way to go.
3798Ronald SmithNM02/19/2015 11:38 AM
If we were smart we would all immediately refuse to do any appraisal that was going to be sold to the GSE's and see how long the system lasts with no appraisals.
3797Jerilyn BockCA02/19/2015 11:22 AM
3796Andy MorseNC02/19/2015 11:16 AM
3795Kathy EppsAL02/19/2015 10:46 AM
3794Paul SmithMN02/19/2015 10:42 AM
I am becoming tired of being pushed around and having all the rules that we have based our fees on thrown out the window and being changed for reasons that we are not being allowed the results from. As far as I can tell my colleagues and myself are willing to change however the changes should we explained thoroughly and examined properly by expert appraisers to see if they do result in a better appraisal.
3793John DeWittLA02/19/2015 10:35 AM
3792Dorrie KlattPA02/19/2015 10:14 AM
Why shouldn't appraisers have access to this information? It would only improve the accuracy of the appraisal and isn't that what Fannie Mae/Freddie Mac want? By NOT allowing appraisers access to this information can only compound an already frustrating situation and contribute to misleading appraisals if we don't know what we are being asked to address.
3791Ryan McGinnisCA02/19/2015 10:13 AM
3790Albert HovanianCA02/19/2015 10:06 AM
3789Steve TurnerAK02/19/2015 10:05 AM
3788Steve TurnerAK02/19/2015 10:04 AM
3787Bruceq LennickWA02/19/2015 9:58 AM
3786Horacio CardozoCT02/19/2015 9:48 AM
After 30 years as an appraiser, I am leaving the business. Good Luck to those who remain.
3785scott bakerWA02/19/2015 9:42 AM
3784ALEXANDRA KANAKISMI02/19/2015 9:35 AM
3783ALEXANDRA KANAKISMI02/19/2015 9:34 AM
3782ALEXANDRA KANAKISMI02/19/2015 9:33 AM
3781William MacMurchyOR02/19/2015 9:30 AM
Truth is beauty; Beauty is truth
3780John SergentMI02/19/2015 9:23 AM
If appraisers are to be "graded" by this data, we need access to this data. This is not a high school test.
3779Teresa BlanchardGA02/19/2015 8:18 AM
3778Rosemary BrickerCO02/19/2015 8:05 AM
3777David BramuchiIL02/19/2015 8:02 AM
3776David BramuchiFL02/19/2015 8:02 AM
3775George PinkhamNY02/19/2015 7:59 AM
3774Phil BellOR02/19/2015 7:58 AM
3773Susan HennesseyTX02/19/2015 7:58 AM
3772Kathy MurphyNC02/19/2015 7:50 AM
3771Rick SteinhoferWI02/19/2015 7:24 AM
3770Dan MillerGA02/19/2015 7:21 AM
We provided this data to you, you should provide it to us.
3769Danny ArmstrongKY02/19/2015 7:11 AM
3768Julie RhodesMD02/19/2015 6:32 AM
3767 James EllicottFL02/19/2015 6:11 AM
3766Freddie BerryCA02/19/2015 3:05 AM
3765joe ottIL02/18/2015 9:56 AM
3764Jeff WeeksNM02/17/2015 10:30 AM
Fannie Mae and Freddie Mac need to quit trying to shove a one size fits all data set down the throats of appraisers. The way appraisers are being treated is sickening. I guarantee you the appraisers who will be most affected by the CU are good appraisers. Appraisers who really know there market and adjust for market reaction differences not just try to make an appraisal look good to a lender. I agree that the appraiser should have these tools to use prior to submitting appraisals to help prevent im sure a minimal difference in consistency.
3763Miroslav MedanovicIL02/17/2015 9:51 AM
3762Joseph FassariPA02/16/2015 12:13 PM
UAD is not the Answer. Our data is flawed. I can prove it. Performing appraisals in both NY and PA. I see no end to fixing the problem. UAD is opinion in itself with flawed data. A good home can be a bad home. A new home can be a bad home. Public records MLS records are never parallel. We do have a right to night know what is being submitted so can be consistent. that does not make it right. The records show inconsistent data.
3761Paul JonesPA02/16/2015 10:46 AM
3760Jonathan LiberatoreMD02/16/2015 1:01 AM
Please give Appraisers access to the CU data. Let us be the judge of if the data is reliable & accurate. The more info we have the more credible results we can deliver. This data was provided by us so why keep it from us. CU info & adjustments are based on our peers, but some of our peers data could be wrong, so let us be the judge of that. WE would need access to the CU data to determine it.
3759Gigi Quinlan McAreavyMO02/14/2015 11:41 AM
We are only as good as the information we receive. This additional information that is being shared with lenders would benefit appraisers in many ways, too. Lets all be on the same page and work together to develop a more meaningful appraisal/opinion of value.
3758Mark TamHI02/13/2015 9:50 AM
3757Mary SucinSC02/12/2015 4:45 PM
3756Tim ClarkeWA02/12/2015 12:25 PM
The data used by the CU to model adjustments/ratings is undoubtedly taken from a vast pool of appraisers using certain assumptions. As an appraiser, we may wish to trust much of what we hear, but we also are held to the standard to verify the credibility of the data and the sources used. Please show us the data so we may, as appraisers, judge the credibility of the data and sources used to flag our reports.
3755Timothy B Kastner SrSC02/12/2015 7:11 AM
37 years as a residential real estate appraiser
3754Angelo MartucciNJ02/11/2015 11:06 PM
I feel that after years of over regulating and scrutinizing real estate appraisers, the CU is just another way to beleaguer and destroy an already dying profession. The fact that FNMA does not allow this information to appraisers makes no sense at all because allowing this data would streamline the appraisal process for everybody. In addition, this would create a uniformity between the Real Estate Appraiser and FNMA as we (the appraisers) are creating an unbiased, impartial appraisal report for them.
3753Debbie ErferNM02/11/2015 9:58 PM
3752Don SchafferNC02/11/2015 7:26 PM
3751Tammy MassengaleNE02/11/2015 6:10 PM
I have been appraising for about 15 years, worked at the county assessor's office for a couple of years and have a college bachelors degree. However, I have myself so sick about this CU I am thinking of giving up the profession
3750Chris McCaffertyOR02/11/2015 4:08 PM
3749Amanda HallPA02/11/2015 3:53 PM
3748John CashTX02/11/2015 3:07 PM
3747Rodrick HarlingMI02/11/2015 2:40 PM
3746Juanita Wilson-Hennessey, IFA, CMAME02/11/2015 12:46 PM
In rural areas uniformity of lot size and structural design is a rarity rendering automated data extract problematic. The data should be available to the appraiser to support the inclusion of clear professional explanations of implied discrepancies within the original report.
3745Dave TuttleCO02/11/2015 12:45 PM
3744Dave TuttleCO02/11/2015 12:44 PM
3743Rosemary KurutzPA02/11/2015 12:22 PM
additional informational tools can only be a good thing for appraisers and lenders alike. Automated programs are not always a clear indicator of market conditions. I believe that most residential appraisers strive to produce the best appraisal possible and would welcome additional input and software to assist them in improving their reports. We should be all on the same page and have access to the same information.
3742Mahmoud I BinaCA02/11/2015 11:19 AM
In my point of view an appraiser should have all information available to be able to select and interpret them in order to select the best comparable and to be able to comment about his / here observation vs. The peers and cu rate etc,, instade of being asked to comment letter by the lender.
3741David TorgersenCA02/11/2015 11:09 AM
As stated in the petition, the data needs to be provided to appraisers at the beginning of the appraisal process. Before the assignment is even accepted, the appraiser should be given all pertinent information pertaining to the subject property that is available to the lender/client.
3740Debbie LindleyOR02/11/2015 10:49 AM
3739Allen LarsenUT02/11/2015 10:45 AM
3738BRIAN COESTERMD02/11/2015 10:04 AM
3737Sharon LynchWA02/11/2015 10:03 AM
3736DONALD PERKINSMI02/11/2015 9:45 AM
3735Adria BradfordAL02/11/2015 9:40 AM
3734Paul DaleyMN02/11/2015 9:40 AM
3733Robert ReidCA02/11/2015 9:39 AM
3732randa maddenTX02/11/2015 9:30 AM
3731randa maddenTX02/11/2015 9:30 AM
3730randa maddenTX02/11/2015 9:28 AM
3729William StricklandNC02/11/2015 8:54 AM
3728Linda NellenWI02/11/2015 8:47 AM
3727Jerrod GatesMN02/11/2015 8:39 AM
True appraiser independence is finding a new type of employment.
3726Charlotte AndersonTN02/11/2015 8:31 AM
3725Douglas CrossLA02/11/2015 8:24 AM
3724Douglas CrossIL02/11/2015 8:24 AM
Mr. deVerdier; Please highly consider allowing appraisers access to this data so as to perform a more complete and accurate appraisal. Thanks
3723tim andersonWI02/11/2015 8:21 AM
3722tim andersonWI02/11/2015 8:20 AM
3721Kennon SneadCO02/11/2015 8:17 AM
3720Marianne ThompsonIL02/11/2015 8:12 AM
3719Richard FoleyMD02/11/2015 8:12 AM
3718LOUIS DONVA02/11/2015 8:01 AM
3717Richard FoleyDE02/11/2015 7:59 AM
3716Richard FoleyMD02/11/2015 7:58 AM
3715Sunny CarrNC02/11/2015 7:55 AM
3714Robert ImperatoMD02/11/2015 7:50 AM
Access to CU data is an additional tool that will help the appraisal profession & speed the valuation process.
3713BARBARA YURDIDNCT02/11/2015 7:49 AM
3712Benjamin MobleyIN02/11/2015 7:48 AM
3711Larry FullerTX02/11/2015 7:36 AM
This data should be accessible at some level to appraisers if they are being compared to its conclusions. Fannie should strip away any NPI (non public info ) and produce an alternative
3710Dan BootsMN02/11/2015 7:25 AM
3709Igor IakovlevNY02/11/2015 7:16 AM
3708William McEvoyNY02/11/2015 7:09 AM
3707Lori MarsalaIL02/11/2015 7:02 AM
3706Robert MrozekIL02/11/2015 6:57 AM
3705deborah carterNY02/11/2015 6:56 AM
3704CHARLES BERRYGA02/11/2015 6:55 AM
3703Vicki HorneMI02/11/2015 6:53 AM
is there a coalition for northern lower Michigan?
3702John WittertIL02/10/2015 6:28 AM
The information that Fannie is holding is valueable to me. I am always looking to produce a better report. It would be apprieciated that if an appraiser is being held accountable that Fannie help by providing the information. I do not have the work volume that Fannie has and I am unclear why we are "double secret propbation" when this info could be so useful.
3701Edward MilhizerMI02/08/2015 5:14 PM
3700Robyn GranumWI02/07/2015 9:38 AM
3699Curtis OeserCA02/07/2015 9:23 AM
3698Scott FieldsIN02/06/2015 9:51 AM
I am worried that I am going to light up like a christmas tree. The AMC"S give me zero cookie cutter jobs. Almost all my work is complex assignments in rural areas. I like to do the job right and use the most similar comparables rather than a Zillow aproach to value. I hope this isn't AVM revisted.
3697Starlyn DupreeAZ02/05/2015 11:08 PM
3696Linda CoughlinMA02/05/2015 3:38 PM
3695Owen YoungTX02/05/2015 1:37 PM
3694MIchael KessenichWI02/05/2015 1:26 PM
We can't use data that we don't have access to.
3693Steven CameronMI02/05/2015 1:23 PM
3692Steven CameronMI02/05/2015 1:22 PM
3691Kevin ParksWA02/05/2015 1:16 PM
3690Eunice YeskerMD02/05/2015 9:21 AM
3689donald mcroberts JrMN02/05/2015 5:38 AM
3688Don Mueller UT02/05/2015 12:16 AM
I want to be a good appraiser
3687Leo GreenWA02/04/2015 6:59 PM
If this industry continues on this path I will quit. Thank You
3686Virginia SwanbergCA02/04/2015 6:57 PM
3685Regina LankfordMD02/04/2015 5:31 PM
If we don't have access to the information ...we don't know what it's based on.
3684Ginette FeldsteinCA02/04/2015 4:31 PM
3683Bradford LockeMO02/04/2015 2:30 PM
3682Renee LathamTX02/04/2015 1:40 PM
It is crucial that this data be provided to appraisers at the beginning of the appraisal process in order to ensure credible transparency and improve the process by reducing risk to lenders and benefit greatly , not only to the Appraisers but evidently a great benefit to lenders and general public and all users of the Appraiser service as well .
3681Allison GaldorisiNY02/04/2015 12:40 PM
3680Anthony ThompsonWA02/04/2015 12:39 PM
3679JOSE TAVAREZNJ02/04/2015 11:14 AM
3678DAVID RYLEYNY02/04/2015 11:14 AM
They say that the "guidelines" have been done away with, yet a single line exceeding 8% now pops up. SO THE FORMER 10% SINGLE LINE GUIDELINE HAS BEEN REPLACED BY A NUMBER THAT IS CONSIDERABLY HARDER TO RECOGNIZE AND MUCH EASIER TO EXCEED. STUPID. In addition, whereas most lenders require mentioning if square footage of a comparable exceeds 20-25% of the subject. CU now requires a significantly lower 15% blurb. STUPID STUPID STUPID. Who is the brain dead moron who made an already sluggish system into a complete nightmare?
3677Laura DalyMI02/04/2015 11:09 AM
3676Kevin MitchellAL02/04/2015 10:38 AM
3675Dudley TysonME02/04/2015 10:21 AM
3674Sharon DossettOH02/04/2015 10:20 AM
3673Sherry von KlitzingGA02/04/2015 9:56 AM
3672George BeaverVA02/04/2015 9:20 AM
3671Donnie GilbertTN02/04/2015 8:37 AM
3670Richard RitenbaughFL02/04/2015 8:21 AM
3669Charles Weber, SRAFL02/04/2015 8:04 AM
3668Marcella RodgersFL02/04/2015 7:01 AM
Thank you for standing up. For too long, appraisers have been buffeted by the whims of the lenders, GSEs, and the government because we do not have a strong united front. I have resisted joining any coalition because there are so many popping up and I don't know who's going to be the most effective. In the meantime, I post my opinions and hope for the best. Thanks Marcy Rodgers Lee-Collier Residential Appraisals Fort Myers, FL
3667Bennie NealMS02/04/2015 5:40 AM
3666Barbara DipietroVA02/04/2015 5:27 AM
This just seems like common sense. As appraisers we cannot be expected to operate blindly in an environment filled with hidden sink holes of hidden data! It seems to be in the interest of all concerned to ensure that the appraiser is operating with the best available information. I have to ask.. Why not GSE's? We as appraisers should be the first on the GSE's list to get this information, not the last.
3665Vernon Spencer, SRAMS02/04/2015 5:03 AM
3664George StavriNV02/04/2015 12:05 AM
3663Nate ByramIL02/03/2015 11:50 PM
3662Michael DurkinCA02/03/2015 11:00 PM
3661Michael DurkinCA02/03/2015 10:59 PM
3660Allan RodrickOR02/03/2015 10:04 PM
If Fannie Mae is truly interested in improving the appraisal process, they will make CU data available to appraisers. If not, we can only speculate on their hidden agenda.
3659John ChaconasCA02/03/2015 9:25 PM
3658Edison PerezFL02/03/2015 8:53 PM
3657Jerry LongCA02/03/2015 8:53 PM
3656James RaderTN02/03/2015 7:33 PM
3655Wayne RichardsOR02/03/2015 6:50 PM
If FNMA & Freddie want consistency in our wokr product they need to proceed the data for us appraisers to evaluate. Lets stop the guess work and get all of us (Secondary Market, Lenders, AMC's, appraisers) on the same page. Then the work gets done more efficently, no black flags, no black lists, no disputes and no PUNITIVE actions against appraisers who are being treated like mushrooms in a dark room.
3654Robert StilesNM02/03/2015 6:39 PM
3653Jeff HalekMI02/03/2015 6:39 PM
3652Jeff HalekMI02/03/2015 6:38 PM
3651Mitch BiggerCA02/03/2015 6:14 PM
Per FNMA Selling Guide B4-1.1-05 Disclosure of Information to Appraisers (4/15/2014) "Any and all information about the subject property that the lender is aware of must be disclosed to the appraiser. The appraiser must determine if the information could affect either the marketability of the property or the opinion of the market value of the property". Richard, thank you for starting this petition. Please disclose any information on a given property to the appraiser!
3650David RasmussenCA02/03/2015 6:10 PM
3649Nelson AhmoNY02/03/2015 5:57 PM
3648James LettIN02/03/2015 5:43 PM
3647Michael SewardFL02/03/2015 5:42 PM
3646Robert RippCO02/03/2015 5:37 PM
Do not understand why appraisers cannot have access to this data.
3645Matthew HusseyAZ02/03/2015 5:35 PM
Please allow appraisers access to the data you have been collecting from our reports.
3644Al VaronWA02/03/2015 5:16 PM
I have been in the industry for 30 plus years, and one thing I know for sure about appraising. Objective comments/reviews have been the best learning tool I have, and it has always made me a better appraiser. You goal is to get the best appraisal possible, why not be a help in this process, so we all be the best we can be.
3643Brian LazarusCA02/03/2015 4:43 PM
3642Curtis AndersonUT02/03/2015 4:38 PM
3641Terence FordPA02/03/2015 4:33 PM
3640Robyn HalsemaIN02/03/2015 4:16 PM
This is only fair.
3639MP FlemingID02/03/2015 4:10 PM
3638E. Ray HenryAZ02/03/2015 4:07 PM
To set a system of criterion on any profession and then not give the criterion or the result of the criterion is unreasonable, controlling, and unproductive.
3637Jeff McMurchieMN02/03/2015 4:00 PM
3636Jerome SpeakerCA02/03/2015 3:57 PM
3635Ken MacDonoughMA02/03/2015 3:55 PM
3634Brad MullenUT02/03/2015 3:55 PM
Please give us access to the information we have provide to you.
3633Bruce FitzsimonsCO02/03/2015 3:51 PM
3632John ThermosCA02/03/2015 3:47 PM
Over 10,000 appraisers have already quit in California. Will the last appraiser please shut the door.
3631Catherine WilliamsMO02/03/2015 3:44 PM
3630Catherine WilliamsMO02/03/2015 3:43 PM
3629Edward Pavlica IL02/03/2015 3:38 PM
3628Donald NoelFL02/03/2015 3:33 PM
I am personally confident that my methodology to determine values for adjustments are consistent and based on statistical analysis combined with empirical evidence. I am not confident that a computer program of unknown basis and criteria will arrive at the same adjustment values. We only need look at the FBI's VCF program that was abandoned after spending approximately $170 million or the recent debacle with Healthcare.gov as examples of faulty computer software. There is a saying among computer programmers, "garbage in garbage out" that speaks volumes about the difficulties in developing good software to analyze complex problems. This does not mean that good software cannot be developed but without exposure and review by appraisal professional as well as extensive beta testing I have no confidence in any results produced.
3627Camille DarlingtonCA02/03/2015 3:33 PM
3626Dean MangioneCA02/03/2015 3:32 PM
Open and transparent data will benefit us all.
3625camille darlingtonCA02/03/2015 3:28 PM
3624Jeffrey R. WeberIN02/03/2015 3:26 PM
3623Richard HurtigFL02/03/2015 3:25 PM
3622David MeltonIL02/03/2015 3:24 PM
3621Damon WatkinsNJ02/03/2015 3:23 PM
3620Steven MartinezIL02/03/2015 3:23 PM
3619Sharon MonsenTX02/03/2015 3:10 PM
3618Angela AdamsFL02/03/2015 3:07 PM
3617Kara GibsonMA02/03/2015 3:06 PM
3616Angela AdamsFL02/03/2015 3:06 PM
3615Carlton MeyerMD02/03/2015 2:57 PM
3614edward SurprenantCA02/03/2015 2:55 PM
3613Steven SmithKS02/03/2015 2:54 PM
3612Paul ShaferFL02/03/2015 2:48 PM
3611Marshall VillarrealIL02/03/2015 2:38 PM
3610Brian GoughVA02/03/2015 2:34 PM
3609Polly StidhamAZ02/03/2015 2:33 PM
3608Betsy PokornyIA02/03/2015 2:31 PM
3607Betsy PokornyIA02/03/2015 2:30 PM
3606Nancy HavensCA02/03/2015 2:30 PM
3605Phillip TrautmanIL02/03/2015 2:29 PM
3604Francesca MoralesFL02/03/2015 2:28 PM
3603david owensSC02/03/2015 2:18 PM
Thank you for your sacrifice and attempt to save our profession. Please do not lose hope as I did. I wrote numerous letters to my congressman (John Spratt at the time) explaining the consequences of Washington's intervention via appraisal rules/guidelines. Needless to say, as of today I never received a response.
3602Peter IversenCA02/03/2015 2:13 PM
3601Dorris PotterNC02/03/2015 2:12 PM
Thank you for this effort to inform appraisers.
3600John GormanCA02/03/2015 2:05 PM
Thank you for putting this petition together, John
3599John WhelanMN02/03/2015 2:02 PM
3598scott bakerWA02/03/2015 1:54 PM
3597GERALD TERRYWV02/03/2015 1:50 PM
No comment
3596Sharon DenhamWA02/03/2015 1:49 PM
Please provide information to appraisers to have complete transparency. It is unfair to appraisers.
3595LEROY TURNERMD02/03/2015 1:47 PM
3594Mark OsterbauerAZ02/03/2015 1:46 PM
3593Mark OsterbauerAZ02/03/2015 1:45 PM
3592Donna TaylorLA02/03/2015 1:45 PM
Thank you so much for taking the time to do want most of us don't have the time to do because we don't have an organization such as yours in our state to belong to and lend a hand or we are just to damn lazy. In my case, my state does not have an organization such as yours.
3591Mark OsterbauerAZ02/03/2015 1:45 PM
3590Richard BaileyAL02/03/2015 1:44 PM
3589Bradley williamsKY02/03/2015 1:44 PM
3588Andrew LesterVA02/03/2015 1:42 PM
Lenders are to disclose all pertinent information regarding a subject property to the appraiser when the assignment is agreed upon. That's all we are asking. FNMA is using our data for free. Either pay us for it or share it with us.
3587Carol HawkinsIL02/03/2015 1:41 PM
3586Rudy DuplissisME02/03/2015 1:41 PM
I think it absolutely insane that appraisers can't have access to the data. Are they trying to kill a profession.
3585JUSTIN BYRDNC02/03/2015 1:40 PM
3584Kathryn ShepherdMT02/03/2015 1:39 PM
3583Jim BryantAR02/03/2015 1:38 PM
3582Brian ButcherNM02/03/2015 1:38 PM
3581Alan RobinsonOR02/03/2015 1:37 PM
3580Jim BryantIL02/03/2015 1:37 PM
3579Graziella MorrisCO02/03/2015 1:37 PM
3578James "TruittMO02/03/2015 1:36 PM
To not provide information that an appraiser could use is handicapping the appraiser. The appraiser should have access to any information that is available.
3577Scott BaczkiewiczMI02/03/2015 1:36 PM
3576Lee BrandFL02/03/2015 1:35 PM
3575Adam WinsteadNC02/03/2015 1:33 PM
They are attempting to rid the industry of a local expert.
3574Carolyn TaylorOR02/03/2015 1:30 PM
Appraisers should receive this information in full.
3573Donna SmithIL02/03/2015 1:28 PM
3572David ChaseWI02/03/2015 1:28 PM
3571Jeff HeldenbrandTX02/03/2015 1:28 PM
3570David CoburnOR02/03/2015 1:27 PM
3569Theodore dixonPA02/03/2015 1:26 PM
3568Margot FergusonMO02/03/2015 1:26 PM
3567THEODORE DIXON JRPA02/03/2015 1:26 PM
3566Jay GrandpreyMN02/03/2015 1:25 PM
3565Lori MercierMI02/03/2015 1:24 PM
3564mark freitagKS02/03/2015 1:23 PM
3563Paul JamesMO02/03/2015 1:23 PM
The crux of this issue, as I see it, is that the GSE's are positioned to use the quality data that is available at the expense of the appraisers which supply the data. However, appraisers are stuck with only highly inferior data such as mls and assessor data from which to derive adjustments and accurate data reporting. If we are the ones supplying the superior data, why then are we not privy to this quality data for the development of our reports? It's putting the cart before the horse. We develop reports with inferior data. They reviewed them with superior data and then expect that were going to be able to produce results consistent with the superior data. This does not make any sense at all.
3562Brian CadieuxCA02/03/2015 1:20 PM
3561Marilyn WentzOR02/03/2015 1:20 PM
3560Terri GallWA02/03/2015 1:17 PM
3559William KellyFL02/03/2015 1:17 PM
3558Robert SasserOK02/03/2015 1:17 PM
3557Ronald RussellME02/03/2015 1:14 PM
3556Jeffrey YoheWA02/03/2015 1:14 PM
3555Terry WilsonCA02/03/2015 1:13 PM
Thank you for submitting this petition. We work hard to provide quality reports and valuations. CU has the potential of helping or hurting the valuation process and so more transparency as well as working with actual appraisers is essential.
3554Peter FidelAZ02/03/2015 1:12 PM
3553Joanne FoosePA02/03/2015 1:11 PM
3552Joseph CoughlinMA02/03/2015 1:11 PM
3551Eugene WieczorekPA02/03/2015 1:11 PM
3550Ross RhotenOR02/03/2015 1:09 PM
3549Barry LevineNJ02/03/2015 1:09 PM
3548David AldridgeTX02/02/2015 7:30 PM
3547William AyresWA01/31/2015 1:04 PM
3546Tami AyresWA01/31/2015 12:59 PM
3545Candice SpaldingME01/31/2015 6:58 AM
3544Kimberly HillIL01/30/2015 9:37 PM
3543Judith BrandtPA01/30/2015 1:29 PM
We need to have a transparent policy in place for all to see.
3542JUDITH HANEYAL01/30/2015 12:20 PM
3541Joshua FaiditHI01/30/2015 11:46 AM
3540Thomas E ByrneNY01/30/2015 11:18 AM
3539DANE JOHNSONTX01/30/2015 10:49 AM
3538JANICE BOIKENY01/30/2015 9:22 AM
3537Greg HammondGA01/30/2015 9:17 AM
3536Greg HammondGA01/30/2015 9:16 AM
3535Vincent FadaleNY01/30/2015 8:02 AM
3534theresa bialostokNY01/30/2015 7:51 AM
3533Vaughn KerkorianNY01/30/2015 4:28 AM
3532Christina EarnshawUT01/29/2015 9:27 PM
3531lynn henderonNJ01/29/2015 8:55 PM
3530William MacMurchyOR01/29/2015 8:16 PM
3529Bill WebsterCO01/29/2015 7:07 PM
The information to compare to the appraisers work will be more beneficial with transparency that as an after thought or evaluation.
3528Bill WebsterCO01/29/2015 7:07 PM
The information to compare to the appraisers work will be more beneficial with transparency that as an after thought or evaluation.
3527Bill WebsterCO01/29/2015 7:06 PM
The information to compare to the appraisers work will be more beneficial with transparency that as an after thought or evaluation.
3526Bill WebsterCO01/29/2015 7:04 PM
The information to compare to the appraisers work will be more beneficial with transparency that as an after thought or evaluation.
3525Bill WebsterCO01/29/2015 7:04 PM
The information to compare to the appraisers work will be more beneficial with transparency that as an after thought or evaluation.
3524Martin McCormackGA01/29/2015 5:38 PM
3523Martin McCormackGA01/29/2015 5:37 PM
3522Martin McCormackGA01/29/2015 5:36 PM
3521Gina WoodWI01/29/2015 4:46 PM
There are 3 family members located in our office spanning 3 decades in ages and I can honestly say we do not agree all the time on appraising, most of the time but not all the time. So how in the heck are appraiser's from different offices within the same and similar competing marketing areas going to appraiser the same all the time?
3520Steven SmithOR01/29/2015 3:49 PM
3519Eric HolmCO01/29/2015 3:43 PM
3518Paul FranciscoNJ01/29/2015 3:41 PM
3517Regina LankfordMD01/29/2015 3:34 PM
Isn't there something inherently wrong with them telling us what adjustments to make?!?!
3516Cheryl BianchiCT01/29/2015 2:54 PM
3515Debra LinkoskiPA01/29/2015 2:48 PM
3514John BocockTX01/29/2015 2:43 PM
All inspections are subjective based upon the appraisers expertise and experience. The appraisers are not being provided Collateral Underwriting (CU) data so that an agreed consensus regarding this particular could be developed. It is in the best interest of accurate appraising to have access to the data being collated, as good data equates to accurate appraisals. Without knowing how or by how much the appraiser differs from peer reporting, it would be guesswork to speculate as to how or why there are differences
3513Debra MooreTX01/29/2015 2:29 PM
3512Mike SperryCO01/29/2015 2:23 PM
3511Nancy MillsGA01/29/2015 2:11 PM
While we're at it; since appraisers are required to abide by UAD why shouldn't lenders & AMCs be required to have a uniform report delivery system? Obviously this new requirement is going to take more time & work for the appraiser. A uniform delivery system would reduce delivery times greatly in my opinion.
3510Andrew BowesFL01/29/2015 2:10 PM
3509MARY FULTONWA01/29/2015 2:05 PM
We need to know how other Appraisers in our area are rating and adjusting comparables, including GLA adjustments. Otherwise, it just seems that appraisers are being pitted against one another. For what reason? Why should we not have all of the data that you have gathered from us? There are relatively few appraisers remaining in this profession to begin with. And the mean age is something like 55 years. Few people are entering this field due to increased requirements, such as a BA degree, and the fact that trainee appraisers can hardly make a living on splits from the low fees AMC’s pay. You are assuming that valuation is a science and it may be somewhat in, say, a large subdivision in Las Vegas where every home is the same, but that is not true in most parts of the country. I work in a semi-rural area. Some towns only have 16 comparables a year to begin with. And more often than not, few to none are similar to the Subject. That is just one example to point out that there are so many variables involved with most comparables, that regression analysis just doesn’t work. Even in the few instances where there are similar newer homes to use for comps, the prices can vary widely for no apparent reason. Sometimes there was a bad appraisal involved; buyers and sellers often have different motivations, but the fact remains that there can be large price differences that cannot be explained. If this were a science, every similar home would sell for the same. But they just don’t in the real world. I try to do my due diligence and call agents if a sale price is off, and sometimes there is a reason but not always. Now if I find out that a home had issues and I rate it lower than other appraisers, how is that fair? Are you actually going to read the commentary that I provide vs how the other appraisers justified their ratings? I have turned down 2 requests for Purchases that were both on waterfront, because there was no way I could even come close to the sale prices. Miraculously, they both sold for close to sale price. Now, how can I explain the vast difference in sale prices when I have to use these as comparables? I would think that this type of issue would be more important to you rather than appraisers using C3 vs C4, which by the way, are subjective in their own right. Like I said, this is not a science.
3508Mary RebIL01/29/2015 2:01 PM
3507Janet BeckFL01/29/2015 1:53 PM
3506Michael PiechockiAR01/29/2015 1:47 PM
3505CLIFFORD JORDANFL01/29/2015 1:44 PM
Please provide this data to appraisers.
3504Janet HellerPA01/29/2015 1:42 PM
3503scott brownDE01/29/2015 1:39 PM
3502scott brownDE01/29/2015 1:37 PM
3501scott brownDE01/29/2015 1:37 PM
3500scott brownDE01/29/2015 1:36 PM
3499scott brownDE01/29/2015 1:35 PM
3498Thomas CapraroRI01/29/2015 1:24 PM
more work less money more time less money just ban us from being honest, conscientious and educated business people and get it over with already!
3497Terry MartinTX01/29/2015 1:08 PM
Talk about undue influence! No two people are going to view a property the same way, and the definition pages in the reports leave way too much room for interpretation.
3496Christine SanduskyOH01/29/2015 1:06 PM
3495theresa bialostokNY01/29/2015 1:05 PM
3494Dina GriffinTX01/29/2015 12:51 PM
3493Brent GoodSC01/29/2015 12:51 PM
3492Brent GoodSC01/29/2015 12:51 PM
3491Don MinusIL01/29/2015 12:49 PM
3490Robert SolotistNJ01/29/2015 12:43 PM
3489Travis MasonUT01/29/2015 12:32 PM
If you are going to penalize appraisers for data that you have collected from other appraisers then we should be able to access that data so a concensus between appraisers can be used.
3488Robin WilliamsonWA01/29/2015 12:31 PM
Without knowing how or by how much the appraiser differs from peer reporting, it would be guesswork to speculate as to how or why there are differences.
3487Burkhard KleinFL01/29/2015 12:20 PM
With 20+ years in the appraisal business I feel that the methods/implementation of CU is short sighted and dishonest. While I assume that all of us are in the SAME BOAT by wanting the best and most reliable appraisal result, the blind judging of appraisers by an computerized system that has no subjectivity in unreal. Our very existence is based on the careful but subjective evaluation of facts found in a specific market place. Any judging of results and consistencies need to be open, accessible and discussable to all concerned. If there is no trust left for the independent appraisal profession that you don't need us and a computer will be the risk assessor. Try that and see where this will get you as far as reliability is concerned. CU is not a tool - it is an unfair encroachment into our industry.
3486Corey NilesWI01/29/2015 12:18 PM
3485Corey NilesWI01/29/2015 12:17 PM
3484Crystal DoneyPA01/29/2015 12:14 PM
3483Jerzy MydlarzNY01/29/2015 12:11 PM
3482Janine DeNardoIL01/29/2015 12:09 PM
3481Debby BellNM01/29/2015 12:02 PM
3480Robert SchwartzFL01/29/2015 11:53 AM
3479Herbert StoverFL01/29/2015 11:53 AM
3478Don Mohney JrFL01/29/2015 11:45 AM
3477Kelly PreisserCO01/29/2015 11:41 AM
3476KEITH MCGREGORNJ01/29/2015 11:41 AM
3475Manuel MesaDC01/29/2015 11:41 AM
Transparency makes sense and is fair. The alternative is deceit which results in distrust and court cases.
3474John CarrollCO01/29/2015 11:39 AM
I find it impossible to stay in front of this CU program. How is an appraiser suppose to know how a peer conditioned a particular property. Also, each appraisal is subjective to how that particular appraiser views a particular home. This CU program is a way for FNMA to target appraisers and should not be used.
3473Brian PerryPA01/29/2015 11:39 AM
3472Kimberlee JonesUT01/29/2015 11:37 AM
3471Steven AchenNY01/29/2015 11:36 AM
appraisers need to be informed and not left in the dark!
3470Andrew EhrmanTX01/29/2015 11:36 AM
3469CHARO RAMIREZNY01/29/2015 11:34 AM
3468JOSEPH GAETANY01/29/2015 11:33 AM
3467Douglas QuenzerWI01/29/2015 11:31 AM
It is unfair to grade appraisers against peers without knowing what the basis of that grading is.
3466Kimberly UsamCO01/29/2015 11:30 AM
3465Caron MelvilleOR01/29/2015 11:29 AM
3464Kimberly UsamCO01/29/2015 11:29 AM
3463Raymond NeildCA01/29/2015 11:29 AM
3462Robert TurnageCA01/29/2015 11:28 AM
3461Patricia RacePA01/29/2015 11:27 AM
All inspections are subjective based upon the appraisers expertise and experience. The appraisers are not being provided Collateral Underwriting (CU) data so that an agreed consensus regarding this particular could be developed. It is in the best interest of accurate appraising to have access to the data being collated, as good data equates to accurate appraisals. Without knowing how or by how much the appraiser differs from peer reporting, it would be guesswork to speculate as to how or why there are differences.”
3460stephen maltagliatiFL01/29/2015 11:27 AM
3459Claire RyderCO01/29/2015 11:26 AM
Judging appraisers but not allowing them access to the data is akin to not allowing due process. You are wasting our time, underwriter's time and a lot of money
3458sam blondellMN01/29/2015 11:26 AM
3457Robert SchwartzIL01/29/2015 11:25 AM
3456Dmitriy FleyshovIL01/29/2015 11:25 AM
3455David GiordanoNJ01/29/2015 11:25 AM
3454Michael HufstedlerNM01/29/2015 11:25 AM
All inspections are subjective based upon the appraisers expertise and experience. The appraisers are not being provided Collateral Underwriting (CU) data so that an agreed consensus regarding this particular could be developed. It is in the best interest of accurate appraising to have access to the data being collated, as good data equates to accurate appraisals. Without knowing how or by how much the appraiser differs from peer reporting, it would be guesswork to speculate as to how or why there are differences.
3453Robert SchwartzIL01/29/2015 11:24 AM
3452Kathleen CroweOK01/29/2015 11:24 AM
3451david giordanoNJ01/29/2015 11:24 AM
3450Jessica HufstedlerNM01/29/2015 11:24 AM
3449Brian GagerNY01/29/2015 11:24 AM
All inspections are subjective based upon the appraisers expertise and experience. The appraisers are not being provided Collateral Underwriting (CU) data so that an agreed consensus regarding this particular could be developed. It is in the best interest of accurate appraising to have access to the data being collated, as good data equates to accurate appraisals. Without knowing how or by how much the appraiser differs from peer reporting, it would be guesswork to speculate as to how or why there are differences.
3448Janet WatsonNJ01/29/2015 11:23 AM
3447Juan Rafael Rivera CaraballoNY01/29/2015 11:23 AM
3446Robert SchwartzFL01/29/2015 11:23 AM
3445Lawrence DibbCA01/29/2015 11:23 AM
3444Jason ArchuletaCO01/28/2015 4:50 PM
3443Bruce PeshekMI01/28/2015 9:04 AM
3442Cheryl EkstrumMN01/26/2015 8:20 PM
3441Tina EberhardNM01/24/2015 12:19 PM
3440Roy TremainIL01/24/2015 7:54 AM
Fannie Mae’s Collateral Underwriter (CU) will be available in the first half of 2015. The CU performs automated risk assessment of appraisals submitted to the Uniform Collateral Data Portal based on information that you provided through the Uniform Appraisal Dataset (UAD). The CU provides a risk score, flags, and messages to the lender. The GSE’s have mandated that all appraisals be submitted in the UAD format; however, currently there are no plans to provide appraisers access to this data. This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public. Please join this online petition to allow appraiser access to the data that they provided through the Uniform Appraisal Dataset (UAD).
3439David ThorneMD01/23/2015 5:52 PM
3438Chris GreenGA01/23/2015 3:05 PM
Another example of government overreaching it's bounds. Why don't we just go take a picture of the subject property and let the computer tell us what its worth? If we are going to be judged by this, we should have unrestricted access to it!
3437Matthew GillilandCO01/21/2015 6:58 PM
3436Tiffany SouthcombIL01/21/2015 11:30 AM
The CU data NEEDS to be provided to the appraisers at the beginning of the appraisal process to ensure transparency throughout the appraisal process. It sounds as if a good part of Collateral Underwriters data will come from Appraisals and data collected by appraisers. I believe appraisers should be allowed to access the data that the APPRAISERS are supplying. This data should be made transparent at beginning of appraisal process. It seems the appraiser will be having to defend an appraisal and its contents based on the CU data after submittal. In my opinion, if FNMA truely wants to improve appraisals, appraisers should be allowed to access to this data. The "best" sales CU reports should be provided to appraiser prior to appraisal inspection.
3435william craytorCA01/19/2015 11:04 AM
CU is likely biased in its selection of comparables to those that reduce the estimated value for the subject property, as Fannie Mae's primary priorities are: (1) Reduce risk to their investors and (2) help home buyers. They never state their CU is unbiased, nor that they have any obligation or interest in protecting the interests of home sellers (equal weight to higher and lower priced versions of comps with similar features), or appraisers (risk of being sued by real estate brokers for botched sales or sellers).
3434michael BurnsIL01/19/2015 10:45 AM
3433David BinzIL01/15/2015 11:46 AM
3432Donna ParkerIL01/15/2015 10:47 AM
3431John WittertIL01/15/2015 8:53 AM
3430Janean DesmaraisWA01/13/2015 7:31 PM
I am within 6 months of getting my license and have been working at this for almost 10 years. The over regulating is ridiculous. Why don't they just automate it if they want to be that controlling and outsource appraisals to India.
3429Michael LurixMS01/13/2015 5:41 PM
3428Dan GonioIL01/13/2015 5:16 PM
3427Susan CarlinGA01/13/2015 10:58 AM
3426John ClarkWI01/13/2015 9:12 AM
3425MARVIN COLEMANNC01/13/2015 8:05 AM
3424Travis FunkIL01/13/2015 8:00 AM
3423Rahmad RahmadIL01/13/2015 3:37 AM
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3422Hans SchaetzkeIL01/12/2015 10:11 PM
3421Al RossellIL01/12/2015 7:39 PM
So tell me again why I would want to do appraisals for Fannie Mae loans?
3420brian frankIL01/12/2015 6:52 PM
3419Tim GilchristOH01/12/2015 3:12 PM
3418anne sullivanIL01/12/2015 11:53 AM
3417Donald GrazianiWV01/12/2015 9:57 AM
3416Krystof KupiecIL01/11/2015 8:53 AM
3415Meredith WalterNC01/11/2015 7:27 AM
3414Donald PickRI01/10/2015 2:20 PM
3413Nicholas BarbarigosIL01/09/2015 3:53 PM
I support ICAP in their efforts to support the real estate appraisal industry.
3412Jennifer HeathGA01/09/2015 2:47 PM
We all need to be on the same pages. No more games. Stop the madness!!
3411Charles P MericanAZ01/09/2015 8:30 AM
Considering that much of Collateral Underwriters data comes from our Appraisals & is collectively the data (intellectual property) of the appraisal community, I believe appraisers should be allowed access to the data that we essentially supply and are judged by. In light of transparency, and if FNMA says they want improved appraisals, they should allow appraisers access to this data, along with what their computers believe are the "best" sales prior to appraisal inspection.
3410Jennabel JennabelAR01/09/2015 6:32 AM
Stay inevomatirf, San Diego, yeah boy!
3409Myles HoffmanIL01/08/2015 3:59 PM
3408Cyndee ZeckFL01/07/2015 1:59 PM
3407Patricia Larsen-MillerWI01/07/2015 10:21 AM
3406Garth ScottWI01/07/2015 7:29 AM
3405KEVIN JOHNSONIL01/06/2015 5:40 PM
3404Patricia ThompsonOK01/06/2015 4:10 PM
3403Robert BrownfieldGA01/05/2015 10:15 PM
3402Michael MartinMA01/05/2015 7:27 PM
3401jim suessCA01/05/2015 2:10 PM
3400Robert ZajacIL01/05/2015 11:38 AM
3399Natalee Kenyon-LodgeIL01/04/2015 11:13 PM
3398Kimberly BurnsIL01/04/2015 2:44 PM
3397Brett ModeerCA01/04/2015 1:44 PM
3396Jeffrey EllsworthPA01/04/2015 9:56 AM
3395Murray BloomMD01/04/2015 12:10 AM
It would be only fair to grant appraisers access to the tabulated data that they have submitted through UAD. Even better would be access to all such market data, since that will be used to 'score' our report submissions. Appraisers do not have the ability to collect all such results, yet will be judged as if we do.
3394Linda WinklerIL01/03/2015 3:14 PM
3393Mark DiGaetanoCA01/02/2015 6:29 PM
To allow access to data through the UAD. thank you. Mark DiGaetano CA State Certified RE Appraiser
3392Annmarie GiovannielloNY01/02/2015 12:43 PM
3391Mark MedonicIL01/02/2015 9:19 AM
3390Howell JohnsonIL01/02/2015 8:49 AM
3389Howell JohnsonIL01/02/2015 8:48 AM
3388Howell JohnsonIL01/02/2015 8:48 AM
3387Howell JohnsonIL01/02/2015 8:47 AM
3386Roger GeislerCA01/02/2015 12:33 AM
3385Robert CleaverPA12/31/2014 2:39 PM
3384Steven WilsonCA12/31/2014 10:13 AM
This data should be made available to all appraisers.
3383Bette NuttCA12/31/2014 10:11 AM
Feels like we are going into a gun fight armed with a knife.
3382Patrick WalzWI12/31/2014 9:06 AM
3381John SmithmyerGA12/31/2014 8:22 AM
3380James TraceyVA12/30/2014 10:36 PM
3379Maura BouchardAZ12/30/2014 8:50 PM
3378Ron FlowersOK12/30/2014 8:26 PM
3377elena vanceCA12/30/2014 7:39 PM
3376Steven SachsDE12/30/2014 7:22 PM
3375Peggy StewartPA12/30/2014 7:15 PM
3374john scarboroughCO12/30/2014 5:19 PM
3373john scarboroughCO12/30/2014 5:18 PM
3372john scarboroughCO12/30/2014 5:17 PM
3371Gary OakleyMA12/30/2014 4:03 PM
3370Grant GreenFL12/30/2014 3:33 PM
3369D.Becky McDaniel, SRACO12/30/2014 2:44 PM
3368William HoulihanIL12/30/2014 2:36 PM
3367Daniel CraftTN12/30/2014 2:33 PM
3366Richard WalbroelIL12/30/2014 1:41 PM
3365Robert RochefortOR12/30/2014 1:39 PM
3364Jonathan MichieIL12/30/2014 1:37 PM
3363Jonathan MichieIL12/30/2014 1:36 PM
3362chas leeperCA12/30/2014 1:31 PM
3361Dona BuieTX12/30/2014 1:28 PM
3360Brian SachsPA12/30/2014 1:02 PM
3359Astrid MonroeCA12/30/2014 12:53 PM
Appraisers provided the data, we should be allowed to use it.
3358Troy HawkeOH12/30/2014 12:45 PM
3357Heidi FukMI12/30/2014 12:00 PM
3356Michael BergenIL12/30/2014 11:56 AM
3355Kelly O'BrienCA12/30/2014 11:46 AM
3354Honora CiancanelliIL12/30/2014 11:45 AM
3353Gayle CumbusNC12/30/2014 11:33 AM
3352Joe QuinterosCA12/30/2014 11:32 AM
How can we improve the appraisal process and quality of reports when we have no idea what we are being judged on? This is absurd! As of 2015, most appraisers must be college graduates...and requirements and state exams are much more difficult. We are a group of professionals that have worked hard for our certifications, yet we are treated like flunkies. The disappointment continues...
3351Monika PagonisIL12/30/2014 11:26 AM
3350Cindy GalisatusCA12/30/2014 11:22 AM
3349Roy ReynertsonIL12/30/2014 11:00 AM
We are being evaluated and not shown the data that we are being evaluated on. It is a no win situation for the appraiser. Show us the data so we have even more data at our fingertips so we can produce higher quality reports.
3348Deborah PawlakIL12/30/2014 10:10 AM
3347Kenneth AndreiniCA12/30/2014 9:55 AM
3346Calvin VanNoordMI12/30/2014 9:46 AM
3345Ben JonesNC12/30/2014 9:23 AM
Yet another bureaucratic attempt at determining valuation from garbage-in, garbage-out public records. Zillow currently has it "nailed" the best with its +/- AVM range of $100,000 per home. Organizations that required government bailouts, of course, are best qualified to make these determinations for appraisers.
3344Robin MitchellFL12/30/2014 9:21 AM
3343Edwin H. DietzTX12/30/2014 9:15 AM
3342Ryan GoydichCO12/30/2014 8:29 AM
If this information/data can be used against our appraisals we should at a minimum have access to it.
3341James MeyerWI12/30/2014 7:54 AM
3340Jim McMahanGA12/30/2014 6:26 AM
I support delaying the Fannie Mae CU process. I suggest we have a comprehensive discussion, including all professionals associated with residentaial real estate, regarding alternative solutions for standards of accountability of national appraisal valuations.
3339Jim McMahanGA12/30/2014 6:22 AM
I am a loan originator and support delaying the CU process and having a more transparent, inclusive discussion about standards for nationwide appraisal valuations. Do not limit the discussion to just appraisers but a more comprehensive process that includes all people associated with residential real estate in America.
3338Brenda KennerlySC12/29/2014 8:09 PM
This is epic failure. With holding this data from the TRUE Valuation Professionals is further evidence of the madness of GSE's. We appraisers collected and analyzed the data to begin with! Appraisers trust each other more than we trust MLS, Realtors, etc. So why exclude US from our own data?
3337michael hurstFL12/29/2014 4:02 PM
3336James ConnellyIL12/29/2014 3:11 PM
3335Edwin JonesLA12/29/2014 3:07 PM
If Fannie-Mae truly wants better appraisals, then appraiser should be allowed to access to the data collected from their reports. There is too much conflicting information in MLS, Tax Assessors, etc., so why not allow appraisers access to the information collected on sales in our area. I would much more likely trust a fellow appraiser to properly address such things as gla, condition, quality, condition, etc versus other sources.
3334Gary JohnsonGA12/29/2014 11:51 AM
To have used the data collected at gun point from the appraiser, as fodder for an unengaged assault on valuation, with attacks on the defenseless in the process will once again devalue properties by virtue of self-preservation and fear on having ones living stolen based on a "transparent finding" in which the accused will have no voice. Using another's hard work and intellectual property without permission will be the eventual class action lawsuit, which under the US Constitution should have legs.
3333carl mcleanIL12/29/2014 10:54 AM
3332R Scott HartmanPA12/28/2014 5:32 PM
3331Freddie BerryCA12/28/2014 3:18 PM
3330Judith WardNJ12/27/2014 11:54 PM
3329erin tafferaIL12/27/2014 10:01 PM
3328Rob StevensIL12/26/2014 9:17 AM
3327James CunninghamTX12/25/2014 10:27 AM
Isn't the purpose of the CU to improve appraisal reporting? Then the appraiser ought to be the first in line to use the program.
3326John BibbeeVA12/25/2014 2:27 AM
3325John O'ConnorIL12/23/2014 9:07 AM
3324James DrewryTN12/22/2014 6:14 PM
3323HARVEY HARTMANCA12/22/2014 2:46 PM
Appraising since 1976. Certified Since 1991. V3ay27
3322Keith ScottWV12/21/2014 3:26 PM
Response to GSE's (FANNIE MAE & FREDDIE MAC) as well as to the CFPB concerning non disclosure of the UAD to the appraiser. I would appreciate your reconsideration of not providing this data to the residential appraisal industry. Based on the GSE's own reasoning (as well as the purpose of the CFPB existence) it appears there would be a desire and significant need to provide this information to the residential appraisal industry. Because if indeed this uniform data base is superior to all data that will reduce risk to the lender and to the consumer and help the economic recovery of this country's housing market then it would be pertinent and reasonable that those with the necessary education, experience, ability and profession to analyze the date have access in order to complete a final product that can be used without extensive time delays in completing the assignment and in addressing any revision request. If provided in advance to the appraisal industry only then will the GSE's and CFPB truly be taking any step forward towards reducing risk to the lender and consumer and helping the economic recovery of this country's housing market. Not only will this be the only way to accomplish these goals, but it will accomplish them much quicker. By accomplishing these goals in quick and professional manner considered to be fair and ethical to all industries involved then consumer confidence will be stronger than ever in regards to all of these industries. The concept of the UAD is an excellent idea in that it is obtaining information from the most qualified professional individuals in order to provide the most accurate opinions of market value possible, but if this data is not given to those who need it most defeats the purpose of truly helping the consumer and the economic state of the housing market. When and only when this data is analyzed and applied using the most modern and appropriate methods available by professionals trained with the necessary skills will there be any change in the accuracy of the final opinion of market value. In addition to this I have reviewed a few different valuation models recently and have not seen one that has even come close to the accuracy of the competently trained residential appraiser in determining a final opinion of market value even without the access to a superior data base put together by their peers. I see no reason based on the above comments that this information would not be made available to those who need it most and have worked the hardest in collecting, verifying and providing the information necessary to make the existence of the UAD possible. Hopefully this reasoning is enough that you will seriously reconsider your decision not to provide the appraisal industry with the necessary data from the UAD. I feel that my main concerns have been addressed above and hope they will be taken to heart in the best interest of this countries economy. This having been said I will have to admit that on a lower priority level than that above (which appears to be sound reasoning for what is best for this countries economy, consumer and all industries noted), but yet something I feel is still very important is the question as to whether or not the GSEs are acting in an ethical manner in refusing to provide this information. This is refusal to provide the data to the individuals who took the time and effort to provide this information in the first place and yet still refusing to make this information accessible to these same individuals while holding them accountable for complying with data that they have been given no prior knowledge. Under Federal Rules of Civil Procedure "It is unethical for individuals to be held accountable for which they have no prior knowledge" and more specifically under Rule 26(a)3(A)"A party may not discover documents that are prepared in anticipation of litigation or for trial for another party". In other words it would be unethical for an appraiser to be held accountable for conflicting information compared to UAD information if they have no knowledge of this information and it is not allowed as part of discovery for the anticipation of punishing another appraiser who may be accused of future non compliance. In conclusion I would also like for the GSEs and CFPB to keep in mind that regardless of the efforts made to produce the UAD it still has it's flaws. Mainly due to the fact that a significant amount of the data may be inaccurate. This is due to the unfortunate fact that a significant amount of the data has been provided by some of the most inexperienced and less educated residential appraiser's in the industry that are willing to accept certain assignments well below what is considered to be customary and reasonable fees while promising the quickest turn times. The most likely reason for this would be a combination of this being the only work these appraiser's can obtain and the fact that it allows for the AMC's to make a maximum profit. There is no way possible for some of the requests this office has been sent to have been completed in full compliance with USPAP, FANNIE MAE, State Laws, Federal Laws or any other required special conditions related to FHA, VA, USDA, etc. in the turn time required, but they are being accepted by some individuals. So instead of the Dodd-Frank Act protecting the consumer, who is under the impression they are receiving a more professional product, and protecting the appraiser from undue influence it has actually lead to the consumer paying a higher price than ever for what may be a far inferior product and has put pressure on the appraiser to complete reports without sufficient time to meet all requirements necessary. Federal law has only changed the AMC wording on the LOE to protect themselves against any accusations of being in violation of Dodd-Frank or HVCC, etc., but the actual process will remain the same in that they assignments are generally awarded to the lowest fee and quickest turn times. I am aware that the GSEs and the CFPB are addressing these issues now and I appreciate there efforts, but holding appraiser's accountable against information they have no access to and may even be incorrect does not seem to be ethical. If the more professional appraiser's in the industry had this prior information then they would be able to explain any discrepancies up front and explain why the feel their data is superior or more accurate instead of facing punishment or being placed on a black list by FANNNIE MAE I appreciate you taking the time to listen to my concerns and the concerns of many of my professional peers and hope that you will reconsider your decision and make this information available to the residential appraisal industry. Thank You, Keith D. Scott CR0289
3321Jason RolandGA12/21/2014 10:56 AM
3320Christopher RyanGA12/21/2014 10:03 AM
It is inconceivable that this would exist if this were happening to teachers, police, electricians, plumbers etc...
3319Oscar DavisNC12/19/2014 7:43 AM
3318JOHNEEN HORANNC12/19/2014 6:27 AM
3317Brian VanisiUT12/18/2014 5:17 PM
3316Stephen BertoliniNY12/18/2014 9:00 AM
3315Sal TerminiNY12/18/2014 8:59 AM
3314Kay OrrellNC12/17/2014 6:15 PM
How is this data set support to improve the appraisal professional, when the appraisal profession does not have access to the data. I find it amazing that the data taken from the appraiser in the first place will not be available. Perhaps it will be "sold back" to us as another abuse to the profession. Just like the unenforced customary and reasonable joke.
3313David HemeonNH12/17/2014 4:14 PM
More data we the appraisers have helped create that can't be utilized by us. Who is the Real Intended User?
3312Jason FarmerGA12/17/2014 2:36 PM
3311Matthew ZetterquistUT12/17/2014 2:14 PM
3310Gene JorgensenUT12/17/2014 2:13 PM
3309Craig GaspardTX12/17/2014 12:25 PM
3308Tena BosworthTN12/17/2014 9:18 AM
3307Stephen McHughNJ12/17/2014 8:35 AM
If the GSEs are going to farm out data...and they are, it is to their advantage to provide the appraiser with the information they have concerning the property. The more information we have the better report we can provide to the client.
3306Byron DameNC12/17/2014 7:51 AM
3305Carrie LloydMI12/17/2014 7:45 AM
3304Carrie LloydMI12/17/2014 7:44 AM
3303mark youngCO12/17/2014 12:08 AM
Absurd....if you want appraisers to comply with FNMA then you need to allow appraisers access to CU and the requirements. Makes no sense, requirements should be included in the scope of work involved..
3302Kathe BarberUT12/16/2014 9:36 PM
3301George FitzsimmonsNC12/16/2014 7:00 PM
3300GWENDOLYN BARKERFL12/16/2014 3:57 PM
3299Bruce StarrNY12/16/2014 3:16 PM
3298Sean CaleganFL12/16/2014 3:09 PM
It makes no sense that our data is going to be compared to data we do not have access to.
3297David IphieCA12/16/2014 2:32 PM
3296David GehrkeMN12/16/2014 2:17 PM
3295Jan MontgomeryGA12/16/2014 2:04 PM
3294Lisa RittenberryMI12/16/2014 1:57 PM
3293Gary SammonsIN12/16/2014 1:28 PM
3292Jeff SandsIN12/16/2014 1:21 PM
3291Nancy HavensCA12/16/2014 1:06 PM
3290Tony BenedictFL12/16/2014 12:53 PM
3289Larry RhyderNC12/16/2014 10:36 AM
3288Larry RhyderNC12/16/2014 10:35 AM
Please add my name to this petition. I am very aggravated with this whole mess as it turns out it's just a ploy to automate appraisals.
3287zachary kimmelNY12/16/2014 10:35 AM
3286Cory LarsenUT12/16/2014 10:34 AM
3285Larry RhyderNC12/16/2014 10:33 AM
Please add my name to this petition.
3284Michael StefanskiIL12/16/2014 10:23 AM
3283Stuart CollinsGA12/16/2014 10:20 AM
If we are providing data we should be allowed to access the data base. It was our data that we paid for and provided in the first place. We certainly should be allowed to receive it!
3282Lisa ReedOR12/16/2014 9:59 AM
This petition makes sense. I especially feel uncomfortable that we are being set up to fail by these authoritarian presences. They are saying if you do not do it our way, which is the right way, we are going to punish you. But, we are not going to give you the knowledge of what you need to do in finite terms to be able to perform this task to our expectations so you will fail anyway. It is too ambiguous on what self generated statistics they will accept. For small populated, rural areas where sale price, room count, square footage are not reported accurately in MLS services this will become a nightmare. The latter statement is using the assumption that Fannie will be using our MLS data bases as I've heard. There are rumors of data services that can be purchased that will be similar to what Fannie will be using. However, there will be a charge. How successful have we been as a group getting our fees raised with AMC’s?
3281Virgil TwiggMD12/16/2014 9:57 AM
Appraiser since l974.. My one big problem with the industry is that there is no uniformity among users of the report... What a relief it would be if all users of the report demanded the same things in the report.
3280John CourtneyOR12/16/2014 9:37 AM
3279Iryna RamaniukCA12/16/2014 9:31 AM
3278David PrymakTN12/16/2014 9:24 AM
3277Geoffrey SugdenFL12/16/2014 9:16 AM
So now big data has a national all seeing tool which can question each and every adjustment, trend and forecast on an appraisal report. We are all the little licensed people who slave and scribble away trying to quantify these differences in our markets, to the best of our abilities. We used to be asked to provide our 'opinion' of a property’s value, now we have to produce an accurate, supportable, quantifiable, calculated, legally sufficient price, although it is still an ‘opinion of value’. But it doesn’t matter how much time or effort is made in this endeavor, big data can trump and dismiss our work product out of hand instantly. How about making this tool available as a subscription to the appraisers, which will provide all the ‘adjustments’ to us monthly for each census tract or zip code. There would then be consistency, transparency and a trusted source for the market approach, instead of a nation of individual appraisers' subjective input. We have it for the cost approach in Marshall & Swift. Maybe that is where they are taking the appraisal ‘profession’.
3276Lynn ZwyersIL12/16/2014 8:55 AM
3275Cristen SpauldingTN12/16/2014 7:58 AM
CG-1336, TN
3274Thomas GrayUT12/16/2014 7:40 AM
3273Carrie LloydIL12/16/2014 7:36 AM
3272Carrie LloydMI12/16/2014 7:36 AM
3271Carrie LloydMI12/16/2014 7:35 AM
3270Beth BellGA12/16/2014 7:34 AM
3269Carrie LloydMI12/16/2014 7:34 AM
3268Marcus KentGA12/16/2014 7:21 AM
To use data unavailable to the appraiser to grade an appraiser is not conducive to you stated goals.
3267BRIAN KEANENY12/16/2014 6:11 AM
3266Michael BresciaNY12/16/2014 6:04 AM
3265Lawrence LevyNY12/16/2014 6:01 AM
3264Joseph Michalowitz SRAWI12/16/2014 5:12 AM
3263Brian ClementsCA12/16/2014 12:54 AM
Please share our data.
3262Ellen McGarveyOH12/15/2014 6:05 PM
3261Kenneth NokesUT12/15/2014 5:57 PM
I started appraising in 1977. long before licensing and certification were with us. Every few years something comes along that will "put appraisers out of business". We're still here. We will be after this as well. I think we should have access this information. It will help us as well as our industry. I'm 66 years old, and would like to work as long as I am able. If I get too many "black eyes" from the CU, I can just quit. I wish the rest of you good luck.
3260Raafel VigoFL12/15/2014 5:56 PM
More things for an appraiser to have to worry about however lenders have no blame when they do the loans and try to land it all on someone else even when they do not get all or the correct paper work.
3259Michael OlsenUT12/15/2014 4:18 PM
3258Jerrell JamesUT12/15/2014 3:50 PM
3257Matthew KentGA12/15/2014 3:43 PM
3256Dean KellyPA12/15/2014 3:34 PM
Last call for appraisers to unite. Maybe we should not give them information for a few weeks and stop doing reports for awhile. Another Knife in the back for the appraiser!
3255Darren MorganUT12/15/2014 3:30 PM
3254Adrienne AliNJ12/15/2014 3:29 PM
3253JOHN GODDARDUT12/15/2014 3:29 PM
3252Ronald WhiteUT12/15/2014 3:26 PM
3251mark hodgesGA12/15/2014 3:13 PM
3250mark hodgesGA12/15/2014 3:12 PM
3249carola bockMD12/15/2014 3:12 PM
3248mark hodgesGA12/15/2014 3:12 PM
3247Jesse MesserUT12/15/2014 3:09 PM
3246Anna RichardsonGA12/15/2014 3:00 PM
3245Roberty NibleyUT12/15/2014 2:56 PM
3244Darren J. `GreenUT12/15/2014 2:53 PM
3243James BradleyUT12/15/2014 2:50 PM
3242Tony ParkinsonUT12/15/2014 2:41 PM
3241Robert Hixson UT12/15/2014 2:38 PM
3240Ken ColeUT12/15/2014 2:34 PM
3239Donald KinumVA12/15/2014 2:25 PM
3238Rodrick HarlingMI12/15/2014 2:18 PM
3237John O'MeraMA12/15/2014 2:13 PM
3236Allen LarsenUT12/15/2014 1:55 PM
3235mark hodgesGA12/15/2014 1:37 PM
3234mark hodgesGA12/15/2014 1:37 PM
3233mark hodgesGA12/15/2014 1:35 PM
3232mark hodgesIL12/15/2014 1:35 PM
3231mark hodgesGA12/15/2014 1:34 PM
3230doris pursellPA12/15/2014 11:26 AM
3229Jeff McMurchieMN12/15/2014 10:27 AM
3228Alan D'AlbaIL12/15/2014 7:28 AM
3227Tammie DaughetyNC12/15/2014 7:21 AM
It is OUR DATA THAT FANNIE MAE IS FARMING FROM OUR REPORTS. It only makes sense that we should have free, unlimited access to this data. The primary problem I have is that Fannie Mae has NO CRITERIA in place on which appraisers are to be judged using this data. In other words, there is no clear way outlined to flag an appraiser, only "inconsistencies" in reports. How broad and undefined can you get? And if they determine that we can be removed from "approved appraiser lists" based on what the Collateral Underwriter shows, there is NO PROCESS OR PROCEDURE in place in which an appraiser has the chance to defend their report or to any process in which an appraiser can be added back to an "approved appraiser list". So if you are flagged by Fannie Mae using this data, you could effectively be out of business.
3226Jimmy HudspethAL12/15/2014 7:12 AM
3225Mary WinklerPA12/15/2014 6:51 AM
3224Daniel JohnsonMI12/14/2014 9:37 PM
3223Stephen Eipper SRAMI12/14/2014 5:07 PM
We need anything that can help limit unknown "required information" and reduce the amount of revisions for items not the responsibility of the appraiser. Thank you for your effort.
3222Denise HenningAZ12/14/2014 4:53 PM
The CU is a very one sided process. Our current methods of comparable searches, we are being told are being thrown out the window by the algorithms that are being utilized. Appraisers need to know how the CU works and if there is a disagreement if we will be told. Or will we just be on a black list somewhere (like the lenders and the AMC's do now) and we are out of business.
3221kathleen PRICEPA12/14/2014 1:36 PM
3220Diane ViolettaCT12/13/2014 7:48 PM
3219stuart freemarkPA12/13/2014 6:34 PM
3218stuart freemarkPA12/13/2014 6:33 PM
3217Lorraine HamiltonPA12/13/2014 6:07 PM
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3215dana ajelloCT12/13/2014 2:54 PM
3214Louise JeffersDE12/13/2014 2:34 PM
This is backwards thinking. The lenders and FNMA have access to all this great information and appraisers do not?? Appraisers and the users of appraisal reports would benefit the MOST if the appraisers developing appraisal reports are given access to the collateral underwriter. By not allowing appraisers access to this information you are tying their hands behind their backs and making it impossible for them to do the best possible job. The information is there through the hard work of the appraisers. Please let them use it to make the process better instead of using it as a weapon against them.
3213Joseph schoetzPA12/13/2014 2:21 PM
3212Sandra GibbyNC12/13/2014 12:21 PM
I agree with other comments. If there is additional data known by the Lenders/AMC's about additional possible "comparable" sales in the neighborhood, then this should be sent to the Appraiser prior to submission of the report. This way we could look into these and explain why they were not used in the report and eliminate the back & forth requests after the report has been submitted.
3211Peggy DernCA12/13/2014 11:12 AM
3210Gregory SchacherCA12/13/2014 10:49 AM
3209Jeffrey JacobsPA12/13/2014 8:47 AM
3208Vincent George CastleCA12/12/2014 10:43 PM
I think this CU is a joke. Am I the only who thinks this is actual influence in part from FM?
3207Joseph McCauleySC12/12/2014 7:22 PM
3206Maureen FullerCA12/12/2014 5:18 PM
3205Steven MikulaMN12/12/2014 3:32 PM
3204Christi DeanCA12/12/2014 2:18 PM
3203Eugene LaffeyNJ12/12/2014 1:07 PM
Another effort to eliminate the one person who is neutral!! This happen before and then the disaster hit.
3202Michael WilliamsWA12/12/2014 11:09 AM
3201Kevin SynnottNJ12/12/2014 10:50 AM
In case it hasn't been said all ready - the Universal Data Set is not all encompassing and is not universal. As appraiser's we are paid to provide our professional opinion based on our historical experience and our ability to ascrertain certain property characteristics from more often than not innacurate public and MLS data. If Fannie's version of the measuring stick is to be helpful and not harmfukl to the industry in anyway it must be available to those whose data was mined. It must be available at the time an appraisal is being written. Why souldn't it be-you used our opinions to compile it???
3200Dale SmithMI12/12/2014 10:42 AM
3199Adam WienerMA12/12/2014 8:01 AM
3198Stephanie FosterNC12/12/2014 7:13 AM
3197Kenneth VisserMI12/12/2014 7:12 AM
I respectfully suggest that inclusion, not exclusion will enable appraisers to better serve the public, government and all related parties.
3196Mary BurnsMN12/11/2014 9:38 PM
3195Robert HarmanCO12/11/2014 5:40 PM
3194Robert HarmanCO12/11/2014 5:39 PM
3193Robert HarmanCO12/11/2014 5:36 PM
Appraisers are under time restraints and competition for fees. This system will only lengthen the time required to complete the report and is not likely to have a measurable impact on the quality/credibility of the reports for appraisers who are already doing good work.
3192Sue ToyWA12/11/2014 3:42 PM
3191Diane ClancyMA12/11/2014 12:55 PM
3190Paul JamesMO12/11/2014 12:01 PM
3189Steven SpychalskiIL12/11/2014 11:32 AM
If the true goal is to increase accuracy and thereby reduce risk, why would this tool be kept hidden form appraisers. Appraisers gathered the data but are forbidden to utilize it. This same appraiser driven data is used to evaluate new appraisals. I cannot see one plausible reason to withhold this data. The decision not to share this extremely helpful tool from the industry that gathered it and could use it to accomplish the goal of increased accuracy/limiting risk is mind-boggling. Allow licensed professional Appraisers access to this data!
3188Eric MorseMI12/11/2014 9:11 AM
3187Pamela WashingtonOH12/10/2014 3:26 PM
3186John SprungerIN12/10/2014 2:27 PM
3185Shawna MossmanMI12/10/2014 1:58 PM
3184Vonda VathMI12/10/2014 1:49 PM
3183Gene PetherbridgeMI12/10/2014 1:18 PM
3182Robert LloydMI12/10/2014 12:52 PM
3181ROBERT LLOYDMI12/10/2014 12:51 PM
3180ROBERT LLOYDMI12/10/2014 12:50 PM
3179Joy smithMI12/10/2014 12:50 PM
3178cameron taljonickMI12/10/2014 12:46 PM
3177cameron taljonickIL12/10/2014 12:45 PM
3176Robin BannerMI12/10/2014 11:10 AM
3175teresa salcidoCA12/10/2014 12:04 AM
3174William DebsMA12/09/2014 4:04 PM
3173Jill PenicookIL12/09/2014 1:06 PM
3172Ron BartlettIL12/09/2014 12:42 PM
3171William F Arbuckle JrLA12/09/2014 11:25 AM
The UAD data that is being and has been collected and stored by the government should be readily available to any licensed or certified appraiser whose work is subject to testing against this data. Furthermore, the methods, procedures, models, or tools used for any comparison should be made available. It unfair and unjust to withhold this information from those whose work it will be used to benchmark.
3170Sherie PayneMO12/09/2014 11:21 AM
3169Bettina BrumwellFL12/09/2014 10:27 AM
If the objective is better appraisals, why is the CU being hidden from the appraisers?
3168Jami McClellandIL12/09/2014 10:09 AM
3167Sean SuttonMO12/09/2014 9:08 AM
This is OUR data in the first place. You are not going to provide appraisers access to the data you STOLE from their reports in the first place? The information we provided is now going to be used against us. Just silly...all of it. Anyone who enters this profession at this point in time is a complete idiot. This profession has turned into a giant witch hunt. Appraiser's cannot possibly dodge all the bullets being fired at us from lenders, buyers, sellers, HUD, FNMA, State Appraisal Commissions, UAD police, underwriters, AMC's, Realtors, etc...the list goes on and on.
3166Roy TremainIL12/09/2014 8:58 AM
It's stated in the above article: "The Collateral Underwriter will be available to lenders in the first quarter of 2015. There is no plan to make it available to appraisers." Why are appraisers not allowed access to this information? Does an appraiser need some sort of security clearance for information provided in part, by his or herself? Our country is fast becoming a police state of sorts with again, another signing of the NDAA. I see "The Collateral Underwriter," as clearly another attempt to cause the appraiser even more of a workload without commensurate pay, and foresee an AMC armed with yet another form of harassment, including or excluding appraisers on the basis of a FNMA whim, or their own. Adjustments on the sales comparison grid are often based on a subjective interpretation of market activity; thus, there will definitely be contradictions, as pertains, such adjustments, and I do not believe that the Collateral Underwriter has the capability of accurately interpreting such a vast array of data, especially while looking for needles in haystacks.
3165Craig RosseboMN12/09/2014 8:49 AM
3164Tim W. Pepper PepperMS12/09/2014 8:38 AM
An appraisers work is as creditable as the data and information they are able to collect. Since they are reviewed and evaluated, it seems logical that they should have access to the most timely and accurate data.
3163Cary MatthewsAR12/09/2014 8:02 AM
If an appraisers work is to be evaluated, they should have access to any additional market data available, which would assist in developing a credible and reliable appraisal.
3162Cary MatthewsAR12/09/2014 8:01 AM
If an appraisers work is to be evaluated, they should have access to any additional market data available, which would assist in developing a credible and reliable appraisal.
3161Cary MatthewsAR12/09/2014 8:01 AM
If an appraisers work is to be evaluated, they should have access to any additional market data available, which would assist in developing a credible and reliable appraisal.
3160Cary MatthewsAR12/09/2014 7:58 AM
If our work is to be evaluated, we should have access to any additional market data available, which would assist in developing the most credible and reliable report possible.
3159Fred JaynesAR12/09/2014 7:29 AM
If this data is going to be used to rate appraisers work product then the data should be made available to the appraisers to ensure that they have the most complete and reliable information
3158Ken VerrettTX12/07/2014 9:04 PM
3157Beckie SaleeUT12/07/2014 8:53 PM
3156steve gertzPA12/07/2014 6:25 PM
3155Denise HenningAZ12/07/2014 3:23 PM
hope this is successful. FNMA has a ring in our nose!!
3154Annemieke RoellOK12/07/2014 12:59 PM
3153Maria SchultzFL12/07/2014 12:05 PM
3152Jennifer CarterCA12/07/2014 10:04 AM
3151Claire RyderCO12/07/2014 9:50 AM
Is it wrong that appraisers should be allowed to see what constitutes an error before we are punished for it. Kind of like due process Certified Appraiser - Colorado
3150Alisa WillsonTX12/07/2014 9:05 AM
Please make this about improving the industry not just swatting at appraisers..allow us access.
3149Daniel WilliamsPA12/06/2014 3:32 PM
Certified Appraiser
3148Terre ArmstrongCA12/06/2014 10:33 AM
I agree with my peers this sounds good for everyone except the appraiser. Let's start thinking about helping appraisers from the start, not after they have submitted their reports. When appraisers get this data first everyone will be happier. (error free reports, more supporting information)
3147Steven BibbCA12/05/2014 9:59 PM
3146Steven BibbCA12/05/2014 9:58 PM
3145Robert TilfordCA12/05/2014 5:08 PM
3144Jesus BorgoniaCA12/05/2014 3:17 PM
3143Sue ViolaCA12/05/2014 2:42 PM
More access to data provides for better appraisals.
3142Richard SalyCA12/05/2014 1:34 PM
3141Margo HensonWA12/05/2014 10:31 AM
3140Margo HensonWA12/05/2014 10:30 AM
3139FRANK SOARESCA12/05/2014 9:47 AM
Fannie Mae’s Collateral Underwriter must be provided to the Appraiser to whom is responsible for the contents of the report. I as an Appraiser will not change one word on a report affected by the CU until I have received a copy of the program and had the opportunity to test its reliability. I did not see where the USPAP signed off on this new program.
3138Frank KannairLA12/05/2014 9:17 AM
3137Janice KannairLA12/05/2014 9:16 AM
3136Laura MeagherPA12/05/2014 9:12 AM
3135Laura MeagherPA12/05/2014 9:12 AM
3134Douglas CrossLA12/05/2014 8:07 AM
It is only fair for appraisers to be able to have access to this mega file. We should have the opportunity to be able to review and have the chance to appeal incorrect or negative data. Thanks for everyone's effort.
3133Douglas CrossLA12/05/2014 8:05 AM
It is only fair that appraisers have the same access to this data as the lending institutions. It there is negative data or info within this very large file then we should at least have the opportunity to have a chance to appeal. Thanks for y'alls effort
3132Leslie GoldsteinCA12/04/2014 11:14 PM
3131david stembridgeGA12/04/2014 10:16 PM
Of course this is fair and needed. We all should have the best data available. Appraisers do a better job than tax assessors or agents in the mechanics of appraisal fieldwork. We supply the best and all should share it.
3130Ronald PetersCA12/04/2014 8:01 PM
This data needs to be provided to those who require it most, the appraisers, who provided all of the data to create the CU system. Data available prior to the appraisal process will eliminate or greatly reduce the number of revisions at the back end. No appraiser likes revisions.
3129Steven TimperCA12/04/2014 7:38 PM
Appraiser's should be able to access the data that we provided to UAD and the GSE's
3128Lori PlanzCA12/04/2014 7:17 PM
3127Jessica ChristopherCA12/04/2014 7:13 PM
3126Richard HackneyCA12/04/2014 6:55 PM
Does anyone else think that with all of the appraisers getting older, and no new appraisers coming on board, that it is only a matter of time before all of this data that we are submitting will be assembled into a GIANT Automated Valuation System that will remove us from Federally insured mortgage lending?
3125Sonja TroncosoCA12/04/2014 6:41 PM
3124Cheryl EvansCA12/04/2014 6:38 PM
It is important for appraisers to access this information especially since it directly affects us.
3123Scott SchiffmanCA12/04/2014 6:15 PM
If the ultimate goal is to improve the quality of appraisals submitted to Fannie Mae, then this tool should be made available to those it will have their work evaluated by this tool.
3122Arnoud van der NeutCA12/04/2014 6:01 PM
3121Jake StricklandUT12/04/2014 5:56 PM
3120Roy BleichCA12/04/2014 5:30 PM
3119Mike GardCA12/04/2014 5:27 PM
3118Robert KellerCA12/04/2014 5:14 PM
3117Marvin TobiasCA12/04/2014 5:09 PM
3116Kristina BurkeCA12/04/2014 5:07 PM
The garbage data input into MLS hourly by Realtors who have no accountability is just that..garbage. Appraisers turn around and use this unreliable data trying to give a credible value, it is an insane system. Realtors have ZERO accountablity and it shows. Until Realtors are required to submit accurate data and be held accountable for it, the system is flawed and bound to fail. I honestly believe appraisers should find another profession, say...becoming Realtors. That way you would be part of the largest lobbying in the U.S. AND not be have any accountability, plus you get paid about 10x as much as being an appraiser. WAKE UP!! The truth is, no one cares about appraisers, not even appraisers. Every man/woman for themselves is our industry motto. WE ARE JUST PAWNS IN A SYSTEM THAT NEEDS A PAWN; so Wall Street can continue to profit and point the finger and the low man on the totem pole..the appraiser. I SAY KEEP YOUR CRAPPY DATA.
3115Leslie GrieveCA12/04/2014 4:28 PM
3114Susan AviseCA12/04/2014 4:05 PM
3113James BraunCA12/04/2014 3:52 PM
I support this petition.
3112William MikusCA12/04/2014 3:51 PM
I support this petition......
3111William MikusCA12/04/2014 3:50 PM
I support this petition
3110Victor DyckCA12/04/2014 3:32 PM
3109Shelley Chaussee-NacinCA12/04/2014 3:31 PM
3108Steven HassoldtCA12/04/2014 3:26 PM
3107Nisen KurmanCA12/04/2014 3:26 PM
3106Jeffery SomersCA12/04/2014 2:32 PM
Thank you for the effort to help keep us involved in the whole process. This will contribute to making us more effective in our assignments.
3105Jeff TurekCA12/04/2014 1:59 PM
3104George St JohnsCA12/04/2014 1:43 PM
3103Anita GoodOH12/04/2014 8:01 AM
3102Benjamin ColemanSC12/04/2014 7:16 AM
3101Judith MuellerSC12/03/2014 3:44 PM
3100Barbara SmithIL12/03/2014 2:17 PM
3099Barb SmithIL12/03/2014 2:17 PM
3098Barb SmithIL12/03/2014 2:16 PM
3097Susan MastersonWA12/03/2014 12:10 PM
3096Scott CookAZ12/03/2014 9:35 AM
3095Larry HubbardNC12/02/2014 1:03 PM
We are truly 3rd party participants in the mortgage process. Why spend so much money on review, additional appraisals and AMC's when you could give Appraisers access to all the data available, then run it through CU. The process being pushed by FNMA will not work because it relies on Regression Analysis, which is great for determining a price. The appraisal/ Appraiser develop an opinion of value.
3094Todd TroutAZ12/02/2014 11:30 AM
Please allow us the chance to run the appraisal through the checker prior to sending to the lender. This will insure a better appraisal product and also help the appraisers know they are reporting correctly per your data's standards. I cringe at the thought of knowing that my appraisal may be scored lower because another appraiser used a comp prior to me and reported the data wrong to the data system. That creates an unfair scoring system. If the data is supplied upfront the appraiser has a chance to explain the difference within the original report saving everyone time and money and resulting in more accurate appraisal reports.
3093Carmen SmithIL12/02/2014 10:59 AM
3092Ed ConnorWA12/02/2014 10:51 AM
If there's a repository of appraiser data, it should be open to the ones providing that information.
3091Lester CaplanCA12/02/2014 10:00 AM
Please allow appraiser access to the data that they provided through the Uniform Appraisal Dataset (UAD).
3090Kyle SillKY12/02/2014 9:15 AM
3089ronnie jordanCO12/02/2014 8:45 AM
3088Mary Beth RipleyMN12/01/2014 3:29 PM
3087mosisa itefaNY11/30/2014 8:50 PM
thank you
3086Jeff WardVA11/29/2014 12:40 PM
3085Chris HawleyMI11/29/2014 7:40 AM
3084Sandy MaibesCA11/28/2014 9:40 PM
3083Bart NathanCA11/28/2014 9:38 PM
Since appraisals are being used to build the database, appraisers should have access to the data in bulk that they have contributed to. If the idea is to make for stronger appraisals, then the rational next move would be to provide it to the appraisers in order for them to help strengthen the work product.
3082Jimmy DennisGA11/28/2014 10:05 AM
3081Peggy DekomCA11/26/2014 11:25 AM
3080dan mooreOH11/26/2014 7:35 AM
bring this to the attention of your congressman
3079Richard CrowellCA11/26/2014 12:34 AM
3078Mary BarnesMI11/25/2014 6:20 PM
3077Linda CheathamGA11/25/2014 5:08 PM
3076Richard AlbrittonSC11/25/2014 1:21 PM
3075David LaFourSC11/25/2014 1:06 PM
3074David SaturnoAZ11/25/2014 12:58 PM
3073David DiPesoAZ11/25/2014 12:30 PM
3072Jeffrey HealySC11/25/2014 12:24 PM
3071David ThomasNC11/25/2014 12:18 PM
3070Donald FowlerAZ11/25/2014 8:32 AM
We deserve access to this info since it is based on our findings. How does this info get collected when it is not mentioned in our "intended use or user" statement within our reports anyway?
3069Justin SchubelAZ11/25/2014 7:32 AM
3068Kelly PolterockCA11/24/2014 9:30 PM
3067Kenneth NokesUT11/24/2014 6:39 PM
3066Kristine HellbergIL11/24/2014 5:25 PM
3065Amy BielemaIL11/24/2014 2:29 PM
3064Kenneth MrozekIL11/24/2014 2:16 PM
3063Patricia ConantMA11/24/2014 12:27 PM
3062luanne taylorNC11/24/2014 12:10 PM
3061leonard taylorNC11/24/2014 12:10 PM
3060Niels HansenID11/24/2014 12:02 PM
3059Michael TigueDE11/24/2014 12:01 PM
3058L. Marissa UrreaCA11/24/2014 11:15 AM
3057Darcy KullaAZ11/24/2014 11:00 AM
3056K. JARED BELCHERWV11/24/2014 10:21 AM
3055K. JARED BELCHERWV11/24/2014 10:21 AM
3054Chris SandersAZ11/24/2014 7:37 AM
3053David AllenVA11/24/2014 6:39 AM
3052Gregory BeckFL11/24/2014 5:30 AM
Once again lets screw the appraiser, after all he has the E&O insurance
3051Sean GarrityCA11/24/2014 12:07 AM
3050David GravesCA11/23/2014 11:32 PM
3049Larry HoyCO11/23/2014 11:09 PM
3048Mark KaegiAZ11/23/2014 9:12 PM
3047Paul RiosTX11/23/2014 2:28 PM
3046Shawn Fleming VA11/22/2014 10:47 PM
3045James CatalanoNV11/22/2014 3:34 PM
3044Frank L. HaganIN11/22/2014 2:38 PM
3043Donna BeardFL11/22/2014 9:22 AM
3042Lynn BakerDE11/22/2014 5:01 AM
3041Theresa McReynoldsAZ11/21/2014 8:25 PM
3040Margaret WilsonCA11/21/2014 7:09 PM
3039Robert Hill JrGA11/21/2014 4:22 PM
3038Jennifer LowryTX11/21/2014 3:00 PM
3037Debra HebertLA11/21/2014 9:24 AM
3036James RisnerIL11/21/2014 8:25 AM
3035Sherri CallanMD11/21/2014 7:05 AM
3034Davidmi SilhaIL11/21/2014 6:25 AM
3033Brian SpanosWI11/21/2014 12:03 AM
3032Nathaniel SkiboCA11/21/2014 12:02 AM
3031Peter ThommesIL11/20/2014 5:18 PM
3030Michelle NapolinAZ11/20/2014 4:49 PM
3029Laura GrimAZ11/20/2014 4:32 PM
3028Thomas TownsendGA11/20/2014 4:31 PM
Shouldn't the "data" be approved / authorized by a peer review committee? As many have pointed out - who's saying Fannies data is accurate and up to standards of USPAP?
3027Jennifer ShetlerCA11/20/2014 4:23 PM
3026Gunnel ElfwingGA11/20/2014 4:07 PM
Remember when the appraised values were the most important entry on our appraisals? Now it's just nonsensical UAD entries with weird codes that really make little sense to appraisers who have to fit a property "neatly" into their restricted cookie-cutter categories. And now they want to keep our own data from us, but provide it to the lenders, and everyone else except us. Does that make sense to anyone except a government agency? This is just another step in the Fannie Mae "war on appraisers!" Let's face it - their ultimate goal is to computerize appraisals with our own data and get rid of us. Less than two years after FNMA and the like have rid the US of appraisers, their data will no longer be relevant. Homes may have been renovated, expanded (often not included in the county data), destroyed or deteriorated in other ways. Who is going to inspect the newly foreclosed properties and report damage etc., declining neighborhoods, improving neighborhoods. A C4 property can be C5 or C6 a within a few years. It could also be a C3. Not sharing the information with appraisers is, as some appraisers "put it", making the appraiser the "fall guy/woman". You get our collected data, and use it to your hearts content, but refuse to share with us! Amazing!
3025Bradley FisherGA11/20/2014 2:30 PM
A disaster in the making! It seems they are more interested in telling us we are wrong than providing a useful tool. Of course we need the data. To hold it back is like getting a ticket for breaking a law that is not written. More work with no more pay.
3024marion hayesGA11/20/2014 1:19 PM
3023Robert CampbellCA11/20/2014 12:13 PM
It seems logical to me that the intended results are to produce better, well supported appraisals. If I as an appraiser, have access to the scoring of my appraisal, I will have better insight to the strengths and weaknesses of my report. I can address my weaknesses and provide the client with better appraisals in the future. Bob
3022Gregg CooperCA11/20/2014 11:37 AM
Most appraisers are ethical and professional. Please do not let the majority suffer due to a few bad apples.
3021Brandon WillsNC11/20/2014 11:32 AM
We should work together to get the best appraisal possible. A good client would provide his appraiser with everything they had pertaining to the subject property. Why not?
3020Ernesto ElizondoAZ11/20/2014 11:00 AM
3019Anna KelleyNH11/20/2014 10:50 AM
3018Craig KonowalskiWI11/20/2014 9:36 AM
While it is absurd that we all use the same data, regardless of whether it is right or wrong, we must, as appraisers, somehow manage to keep our licenses, clients and income. If this means using the GSE's compiled data rather than our own local data and our knowledge of the local market(s).(geographic competency), it is a serious step backward, in protecting lenders and home owners, during the lending process. I don't see how UAD data can account for changes to the properties that are in their database. What about remodeling and additions that are done between one sale and the next sale of the same property etc.? How about when a home is appraised several times by different appraisers who give it different Q and C ratings. (you know that is going to happen) Then, who's right and who's wrong? Eventually, the whole system will be as inaccurate as "Zillow". Have you ever checked Zillow against the real world?....it's awful. Inland homes compared to waterfront homes and bluff water view homes....manufactured homes etc. It's heading for disaster. If we can at least access the UAD we've all contributed to, we MIGHT have a chance to work with the system. Without it, we are doomed to ending up on the "Do not Use List". Maybe, when every last appraiser is finally on that list, someone will see how senseless this whole UAD experiment has been. Craig Konowalski
3017James VeurinkMN11/20/2014 8:40 AM
3016andrew dickOH11/20/2014 7:59 AM
appraiser's provide the info that makes the GSE's rich with high paid execs. Give appraiser's back in quantitative and qualitative format that is understandable. Thanks!
3015Hans Schaetzke IIIL11/20/2014 5:15 AM
Appraisers as also interested in getting it right.
3014Laura DalyMI11/19/2014 10:26 PM
Appraisers should be allowed free access to data they provided through the UAD. This will improve the appraisal process.
3013Kevin MALONEYAZ11/19/2014 10:04 PM
3012greg bakerCA11/19/2014 8:26 PM
3011Natalie MaloneyAZ11/19/2014 8:19 PM
3010Humberto R MendozaAZ11/19/2014 7:02 PM
3009Dawn WalkerCA11/19/2014 6:27 PM
3008Moira SmithMI11/19/2014 6:27 PM
3007Dan McKinnonAZ11/19/2014 5:56 PM
Fair is fair! If the goal is better quality appraisals, then help appraisers by providing this data!!!
3006Jed JonesNM11/19/2014 5:53 PM
3005Mark ThompsonCA11/19/2014 5:51 PM
3004Jennifer GrootegoedCA11/19/2014 5:26 PM
3003Kathleen KniffenAZ11/19/2014 4:57 PM
3002Shirley BarlowCA11/19/2014 4:32 PM
3001James LettIN11/19/2014 3:11 PM
3000Chase JenkinsAZ11/19/2014 2:36 PM
The data would help create a credible report.
2999Kelly SlocumMD11/19/2014 2:05 PM
2998Wayne GalloAZ11/19/2014 1:49 PM
2997Kevin HenryCA11/19/2014 1:44 PM
2996Linda BoltonCA11/19/2014 1:44 PM
2995Christine ClaytonMD11/19/2014 1:32 PM
2994Rochelle DurhamMD11/19/2014 1:07 PM
2993E. Jane MoylanWA11/19/2014 12:24 PM
Isn't it all about communication?
2992Dina GriffinTX11/19/2014 12:11 PM
Yes, I agree that appraisers need to have access to the data that they provided through the UAD.
2991Michael TidwellCA11/19/2014 11:41 AM
2990John EctonMO11/19/2014 11:25 AM
2989Richard DeStefaniFL11/19/2014 11:05 AM
2988Steve LeavittAZ11/19/2014 11:00 AM
2987Laura LoonstraWI11/19/2014 10:41 AM
2986Lorene HuffmanAZ11/19/2014 10:35 AM
If we as appraisers are to comply with this update, we need to know what it is that we are to comply with!!
2985Mary KingCA11/19/2014 10:15 AM
2984Kenneth CaldwellMO11/19/2014 9:41 AM
2983Kenneth CaldwellMO11/19/2014 9:40 AM
2982Cynthia RobbMN11/19/2014 9:38 AM
2981Drew MeyerAZ11/19/2014 9:37 AM
2980Cathy KingAZ11/19/2014 9:22 AM
2979Scott SmithAZ11/19/2014 9:19 AM
All appraisers should have access to the data that we have provided via the UAD standards. We have been forced to comply with this standard, and now it being used against us.. What happened to a government for the people? or are appraisers not considered people?
2978Steve FlemingVA11/19/2014 9:01 AM
You work for us. "A government by the People and for the People" We should have access to the data we create in the first place. This so far, is not transparent and is well on it's way of being an abuse of power like everything else in our government, in these times.
2977Mary CasserlyPA11/19/2014 8:31 AM
2976Catherine HulmeAZ11/19/2014 8:10 AM
2975Samuel J MayberryWV11/19/2014 7:49 AM
2974Darin RogersAZ11/19/2014 5:39 AM
2973Jeremy JohnsonAZ11/19/2014 1:13 AM
This is a case of the tail wagging the dog. It is an effort to produce big data on the backs of taxpayer's and the process however null, should be made available to the appraisal (appraiser) community in an effort of transparency.
2972Thomas PfeifferPA11/18/2014 9:29 PM
2971Aram AutryAZ11/18/2014 9:06 PM
2970Stephen SteitzAZ11/18/2014 8:33 PM
2969Jay LundbergAZ11/18/2014 8:33 PM
2968Michael RileyIL11/18/2014 6:41 PM
2967michael LurixMS11/18/2014 6:07 PM
2966Victor GomezGA11/18/2014 5:50 PM
We provided the data. Please be democratic with a big D. Democratize the data. Remember who you truly work for? American taxpayers. Please, please expand this right to include the field workers whose data this is anyway.
2965Venus ThomasCA11/18/2014 5:50 PM
2964Ellen BrecherNY11/18/2014 5:16 PM
2963Barbara BeshearsNY11/18/2014 5:12 PM
2962JoWayne LyonsCA11/18/2014 4:08 PM
2961Lynn PaceMS11/18/2014 4:02 PM
2960Paul SchnittaNY11/18/2014 3:29 PM
2959Stacie KauffmanMI11/18/2014 3:05 PM
2958Heather BalthazarCA11/18/2014 3:01 PM
2957Michael KessenichWI11/18/2014 2:49 PM
When using UAD information, If a property doesn't fit the GSE's criteria, then the lender should refrain from lending, rather than request or require the appraiser to change the data.
2956Terrence MoloneyIL11/18/2014 2:09 PM
2955Theresa CaywoodID11/18/2014 2:09 PM
2954Vickie BarnhillID11/18/2014 1:50 PM
2953Ken MorrisCO11/18/2014 1:49 PM
2952Jesse KellarMN11/18/2014 1:40 PM
I still have worries that the whole UAD change was less about raising appraisal quality, and more about a large scale data grab. I don't see what the down-side would be to allowing appraisers access to their data.
2951James O'DonnellAZ11/18/2014 1:24 PM
This only make sense
2950Kristine PruettCA11/18/2014 12:41 PM
2949Glenn OctiganCA11/18/2014 12:24 PM
2948Larry ToombsTN11/18/2014 12:16 PM
2947Susan RiceCA11/18/2014 12:10 PM
Appraisers need access to the data of the risk assessment that the CU performs on their appraisals.
2946Todd OrtliebCA11/18/2014 12:08 PM
2945Julie AreiasCA11/18/2014 12:06 PM
2944Cynthia BorrorCA11/18/2014 12:03 PM
2943G Michael JeffersCA11/18/2014 12:02 PM
2942Naomi HomerCA11/18/2014 11:44 AM
Open & transparent for full disclosure.
2941Terri selbergIL11/18/2014 11:34 AM
wrong wrong wrong. What ever happened to the sunshine law?. We as appraisers should start our own website and submit our appraisals and do our own data.
2940Don NicholsOH11/18/2014 11:29 AM
2939Deane CurringtonLA11/18/2014 11:18 AM
Appraisers should have all available data just like underwriters do.
2938Jacob SchilleIL11/18/2014 11:18 AM
2937Kathy SimpsonMS11/18/2014 11:17 AM
2936karen bloem-peytonCA11/18/2014 11:09 AM
FNMA MUST make this available to ALL appraisers, how else would we adequately be able to defend ourselves
2935John SergentMI11/18/2014 11:05 AM
2934Peter FidelAZ11/18/2014 11:05 AM
It is time to get out of the dark ages and enlighten the appraisers so they can work on any deficiencies verses the current kangaroo court.
2933Scott GardnerCA11/18/2014 10:57 AM
2932Annemieke RoellOK11/18/2014 10:37 AM
2931David BereznickCA11/18/2014 10:36 AM
2930Sara GoodwinOR11/18/2014 10:32 AM
2929Kris ChaseCA11/18/2014 10:09 AM
2928Riley RandallSC11/18/2014 9:54 AM
2927Julie BjorklundMN11/18/2014 9:52 AM
2926Kelly NorvelleAZ11/18/2014 9:49 AM
2925Pamela LeCompteMD11/18/2014 9:48 AM
2924Racheal McGillSC11/18/2014 9:37 AM
2923Jack Michael PhillipsAZ11/18/2014 9:31 AM
2922Sean OBrienOH11/18/2014 9:14 AM
I believe every appraiser should have the ability to see how there appraisal report is being assessed within the process. If this is a system to help make the process better, then we should all have access to it.
2921John ChelucciFL11/18/2014 9:09 AM
2920Michael GerhardID11/18/2014 9:02 AM
The GSE’s have mandated that all appraisals be submitted in the UAD format; however, currently there are no plans to provide appraisers access to this data. This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public. Please allow appraisers access to the data that they provided through the Uniform Appraisal Dataset (UAD). Thank you Michael D. Gerhard CRA-2443
2919Scott SangsterCO11/18/2014 8:57 AM
We should have access to the data we create in the first place.
2918Thomas ChambersAZ11/18/2014 8:44 AM
Sharing this information with appraiser can have significant positive benefits. In addition to providing a contextual check in the performance of a new appraisal assignment, this data is also quite valuable to parties doing appraisal reviews, those providing AVM opinions, and potentially in the event of supporting or disproving actions brought as a result of the lodging of complaints against appraisers to their respective State Boards. Since this data will already be available to some parties, expanding the "portal" access to appraisers should have no cost associated with it, and the improvement in the valuation process and the result would be one that the GSEs should embrace.
2917Janice James-FalconerMI11/18/2014 8:42 AM
2916Michael PalmerUT11/18/2014 8:42 AM
The data should be available to all parties involved in the appraisal process. The data is based upon the appraiser's work and therefore should be available to the appraisers.
2915Billy RobinsonVA11/18/2014 8:40 AM
they should not be allowed to steal all of our data and store this information only to use it against the appraiser. they should have to compensate the appraiser for the use of this data that was intended for a mortgage financial transaction only and not to be used for any other purpose.
2914Roger BrayGA11/18/2014 8:38 AM
I strongly agree that appraisers should be provided access to the data we supply collectively to the GSEs through UAD.
2913Mark DunckleeCO11/18/2014 8:25 AM
2912Sharon del ValleFL11/18/2014 8:16 AM
Why would they want to keep it from us? Very curious, I must say. It seems reasonable to share the data to further improve the valuation profession.
2911Sherman LittleMI11/18/2014 8:09 AM
2910Steve TwittyCO11/18/2014 6:56 AM
2909Lee WilcoxGA11/18/2014 6:45 AM
If the GSE's would really like to take a step in improving the appraisal process, the uniform data provided by appraisers should be shared with the appraiser. The appraisal industry could finally have the most accurate data available (property specifics, sale concessions, etc.). We then could provide better analysis and conclusions for our clients. This would truly be a win/win for the GSE's.
2908nora kingCT11/18/2014 6:42 AM
2907Myles HoffmanIL11/18/2014 5:03 AM
2906Patrick WagnerWI11/18/2014 4:53 AM
2905Todd McDonaldAZ11/18/2014 12:27 AM
2904Tammy RichardsonCA11/17/2014 11:08 PM
2903Ann SliderCA11/17/2014 10:28 PM
2902Thomas NoonanTN11/17/2014 10:26 PM
2901Raymond MedranoCA11/17/2014 9:38 PM
2900Susan OwensPA11/17/2014 9:05 PM
2899Michelle ByrnesIL11/17/2014 8:47 PM
If all relevant information is provided to all parties involved won't that increase the effectiveness and accuracy of the information collected? Why is so much emphasis placed on the data provided by the appraiser but the appraiser has such difficulty in obtaining accurate information. It seems as if the parties that rely on appraisal information are purposefully sabotaging the process even after appraisers continue to adapt and follow all the necessary rules and regulations.
2898John JardineOH11/17/2014 8:16 PM
2897Christine GarnerCO11/17/2014 8:02 PM
2896Charles BuhrlageOH11/17/2014 7:50 PM
2895Eric InglisCA11/17/2014 7:33 PM
2894Jennifer LaneAZ11/17/2014 7:08 PM
2893Christi FloraSC11/17/2014 6:56 PM
2892Dennis McMillenAZ11/17/2014 6:46 PM
If quality appraisals are the goal, the information needs to be available to the appraisers. Expect to have to pay the appraisers for their work and data that you are selling. Do I hear class action suit for non payment?
2891donna traversNY11/17/2014 6:33 PM
2890Dan WhitworthKY11/17/2014 6:25 PM
2889Steven BibbCA11/17/2014 5:59 PM
Thank you for creating this petition.
2888Steven VaughnCA11/17/2014 5:34 PM
2887Berendina E PageSC11/17/2014 5:31 PM
2886Jessica ChristopherCA11/17/2014 5:11 PM
2885Michael RoesslerWI11/17/2014 5:09 PM
Appraisers should have this information.
2884BERNARD WILLIAMSMD11/17/2014 5:07 PM
2883Lori MitchellNC11/17/2014 5:05 PM
Appraisers should have information first and foremost
2882Richard StausebachDE11/17/2014 4:50 PM
2881Christine BattcockMA11/17/2014 4:31 PM
Appraisers should have information first and foremost
2880Ryan MckinnissNV11/17/2014 4:24 PM
2879Ryan McKinnissCA11/17/2014 4:23 PM
2878Lisa MaherIL11/17/2014 4:17 PM
2877Kolin WagenfuhrCO11/17/2014 3:34 PM
2876Quinn BiesingerUT11/17/2014 3:27 PM
2875Leslie GoldsteinCA11/17/2014 3:14 PM
All Appraisers must get on board. Make your voices heard.
2874James ConerlyMS11/17/2014 3:11 PM
2873David Herring, SRAFL11/17/2014 3:11 PM
The better the data available to the appraiser, the more credible the end appraisal report will be. More credible reports helps all parties involved.
2872Michael GusOH11/17/2014 3:10 PM
2871Christine BrewerMI11/17/2014 3:08 PM
2870eli stingerAZ11/17/2014 3:07 PM
2869Timothy HurleyOH11/17/2014 3:00 PM
2868Jennifer SimpsonWI11/17/2014 2:57 PM
2867John, Jr. PattiOH11/17/2014 2:38 PM
2866Jeffrey BooneMS11/17/2014 2:38 PM
2865Robert MorganWI11/17/2014 2:32 PM
2864Deborah GedneyCT11/17/2014 2:32 PM
How on earth is the appraisal process supposed to be 'more transparent' when we appraisers are judged on data that we can't see?
2863Beverley DanaOH11/17/2014 2:31 PM
It only seems to be the correct thing to do, ie disclose the complaint,not only for learning purposes but so the Appraiser is on the same page and knows how he/she erred.
2862paul cadeMS11/17/2014 2:25 PM
2861RENEE THOMASHI11/17/2014 2:18 PM
2860charles harlowMS11/17/2014 2:14 PM
2859Terri GleasonWI11/17/2014 2:09 PM
I am a non seller and would like access to this. thank you
2858Gary CharetteAZ11/17/2014 1:58 PM
2857Charles GraySC11/17/2014 1:56 PM
2856Jeffrey BooneMS11/17/2014 1:54 PM
2855Trever FearrandCA11/17/2014 1:51 PM
2854Pam BuckleyMD11/17/2014 1:49 PM
It is very important that the appraiser be a part of this risk management assessment to be in compliance.
2853Barbara ScarbroughOH11/17/2014 1:45 PM
It would be a violation of State and Federal law if the information in this review format is created from UAD compliant reports. Appraisal reports have specific named users, and uses. This is not one of them.
2852Toni BrooksOH11/17/2014 1:21 PM
2851Julie SchillingMD11/17/2014 1:20 PM
2850Kenneth TamargoAZ11/17/2014 1:19 PM
2849Suzanne TamargoAZ11/17/2014 1:18 PM
2848Emeraude ThaiHI11/17/2014 1:17 PM
Aloha, I appreciate the efforts by the Fannie Mae and Freddie Mac in implementing the Uniform Appraisal Dataset to ensure transparency and uniformity to the general public. I understand the importance in ensuring trust in valuation to the general public by providing transparency and uniformity. For this very same reason, I strongly believe that by providing appraisers access to the data, the Fannie Mae and Freddie Mac would assist us in delivering appraisal reports with high transparency and credibility. Mahalo in advance for the consideration.
2847Tom MaguireNV11/17/2014 1:15 PM
2846Tom MaguireNV11/17/2014 1:14 PM
2845Matthew LetoLA11/17/2014 1:12 PM
2844Matthew RyanFL11/17/2014 1:09 PM
2843Gary MosherOH11/17/2014 1:01 PM
If all the appraisers would band together and go on strike I'm sure we can get what we want.
2842Bobby ClarkMS11/17/2014 1:00 PM
this would be helpfull
2841Pamela RobersonMS11/17/2014 1:00 PM
2840Venus ThomasCA11/17/2014 1:00 PM
2839Richard RalphIL11/17/2014 12:58 PM
2838John BlommelOH11/17/2014 12:49 PM
2837David EatonCA11/17/2014 12:48 PM
2836June ZebleyDE11/17/2014 12:42 PM
2835James BaumbergerNV11/17/2014 12:40 PM
2834Kathy GishOK11/17/2014 12:32 PM
2833Cynthia JohansmeyerFL11/17/2014 12:31 PM
2832James DustyMA11/17/2014 12:26 PM
2831Jodie LawmanFL11/17/2014 11:55 AM
2830William RiedelMD11/17/2014 11:46 AM
Making CU available to appraisers is in the best interests of lenders and FannieMae as well because it will reduce the "ping-ponging" of reports back to appraisers for questions, and therefore eliminate delays.
2829Garrett PowersOH11/17/2014 11:36 AM
2828Billy WaugamanDE11/17/2014 11:26 AM
2827Mary Beth AquilizanOR11/17/2014 11:22 AM
2826Eric R GustafsonOH11/17/2014 11:19 AM
2825Jay DelichAZ11/17/2014 11:06 AM
2824Richard BaileyAZ11/17/2014 11:02 AM
2823CHARLES SEREDNESKYOH11/17/2014 10:59 AM
2822George MillerWA11/17/2014 10:53 AM
Transparency please!
2821Robert MacMillanMI11/17/2014 10:39 AM
2820David WilburOH11/17/2014 10:31 AM
I've been told that CU will be comparing certain portions of our reports with that of our peers. We need to know where these peers are located to determine if the comparisons are valid. Market values can be different in different locations rendering peer comparisons invalid.
2819Ernie JonesLA11/17/2014 10:27 AM
2818Miles YoungNV11/17/2014 10:27 AM
It would appear that this is just one step closer to a fully automated system for residential valuation that takes the human observation out of the equation. The institutions are already willing to have an acceptable range of error since they are too big to fail and only the taxpayer will have to pony for the losses. We have become glorified form fillers for years and have been dumbed down as all of children are in our school system.
2817Sally ReaCA11/17/2014 10:25 AM
2816Ryan McGinnisCA11/17/2014 10:25 AM
2815Joseph BockAZ11/17/2014 10:22 AM
2814William MikusCA11/17/2014 10:19 AM
2813Sonja TroncosoCA11/17/2014 10:19 AM
We as appraisers are owed a copy of this report and should not be private.
2812Lynn DyerAZ11/17/2014 10:17 AM
2811James PenrodMO11/17/2014 10:16 AM
Transparency. It is needed and deserved.
2810Daniel HagenAZ11/17/2014 10:16 AM
Our profession has become a joke. What use to be a wonderful career and way to make a decent living is now a job full of stress and rejection (from AMC's) and now Fannie/Freddie want to add to it. I can't wait to retire. Form fillers are the future of appraisal. They may not be able to actually provide a reasonable opinion of Market Value but will certainly fill out the UAD with perfection. Good luck
2809Sharon BaylorOH11/17/2014 10:14 AM
2808Robert MoriartyOH11/17/2014 10:07 AM
2807Kelly AdrianAZ11/17/2014 10:04 AM
2806Nancy SmithOH11/17/2014 10:04 AM
2805Ronald OneyOH11/17/2014 10:03 AM
Allow us, the appraisers, help police ourselves and become better at what we do.
2804dominick DICOLANDREANY11/17/2014 9:58 AM
2803Dave RobbMN11/17/2014 9:54 AM
This information is vital if we as appraisers are to be in compliance of these regulations.
2802Sheri TerrellAZ11/17/2014 9:53 AM
2801Misty RoseAZ11/17/2014 9:53 AM
Thank you for bringing this issue to our attention and for making us aware of it.
2800Douglas SchoepfKY11/17/2014 9:52 AM
2799Paul LindsayOH11/17/2014 9:48 AM
2798Doug BeatsonDE11/17/2014 9:45 AM
2797Adrian RobertsAZ11/17/2014 9:40 AM
2796Georgianna TrietleyDE11/17/2014 9:39 AM
2795Sabara MasonTX11/17/2014 9:35 AM
This information should be available to every appraiser. We are all partners in this mortgage industry and we should all have access to the same information. We may not always agree but we could tailor our responses to specifically address the differences. It seems that this would provide a more informative report for all.
2794Ryan PomboDE11/17/2014 9:34 AM
2793Carlos ConantCA11/17/2014 9:31 AM
Every appraiser I know is convinced that there is a deliberate agenda to remove all appaisers from the real estate industry. Not allowing us access to this data only fuels the fire.
2792Lawrence Chester, JrMD11/17/2014 9:27 AM
Not allowing the appraisers access to this data at the beginning of the appraisal process seems to be a form of entrapment rather than a means to help provide a better quality product. I have to question the rational behind not providing the appraiser access to this data. Please rethink your stance and add the appraiser in the data loop from the start. Thank you.
2791Kym GaudetteAZ11/17/2014 9:26 AM
2790Kym GaudetteIL11/17/2014 9:25 AM
2789Ginger FrancioneAZ11/17/2014 9:24 AM
2788Kendall PruettTX11/17/2014 9:19 AM
To hold us to a higher standard, using information provided by myself and my peers, and then to deny access to this pertinent data is patently wrong. If the whole purpose of the UAD was to provide more reliable appraisal product, then this information should be shared with the licensed real estate appraisal community. Thank you for your consideration.
2787THOMAS REEBAZ11/17/2014 9:18 AM
I am in favor of allowing appraisers to have access to UAD.
2786Timothy GilbertMD11/17/2014 9:16 AM
2785Diane RokitaDE11/17/2014 9:12 AM
2784Bret HartOH11/17/2014 9:12 AM
2783Larry ShinnAZ11/17/2014 9:10 AM
2782John BerlinOH11/17/2014 9:06 AM
2781Donna DernulcIL11/17/2014 9:04 AM
2780Sean BurrellOH11/17/2014 9:03 AM
It is our information to begin with. Use common sense and let everyone benefit from the statistics. Don't use it against us.
2779Lori LingleAZ11/17/2014 9:03 AM
2778James DelahuntOH11/17/2014 9:00 AM
2777Frederick FrenchFL11/17/2014 8:59 AM
2776Frederick FrenchFL11/17/2014 8:58 AM
2775Steve KauffmanDE11/17/2014 8:58 AM
2774Leroy ThomasCA11/17/2014 8:54 AM
This is the second petition I have signed for this cause. I hope it is a sign of us (appraisers) coming together and making a statement. We need more of these.
2773Steven HoltmanCA11/17/2014 8:52 AM
2772Mik KoenigOH11/17/2014 8:50 AM
2771Jay JungelsOH11/17/2014 8:44 AM
2770Thomas SextonOH11/17/2014 8:38 AM
Transparency has to work both ways. The possibility of compromising an appraiser's work is too great is the way is is outlined. The appraiser should allow this tool to be used not the other way around.
2769Michael ShapuiteOH11/17/2014 8:33 AM
2768James SandersonOH11/17/2014 8:30 AM
2767Donald ThomasOH11/17/2014 8:29 AM
2766Cynthia HARRISCA11/17/2014 8:28 AM
2765John CavanaghOH11/17/2014 8:27 AM
2764Sheila HowardAZ11/17/2014 8:25 AM
2763Ken MaurerMD11/17/2014 8:01 AM
2762Gary DeJohnOH11/17/2014 8:00 AM
2761Christopher DraperDE11/17/2014 7:57 AM
2760Heather KehrMD11/17/2014 7:54 AM
2759Ed GreeneNC11/17/2014 7:50 AM
2758Donald LetoOH11/17/2014 7:49 AM
2757Mary LedfordOH11/17/2014 7:43 AM
2756David BainTX11/17/2014 7:43 AM
2755Rena FoxPA11/17/2014 7:42 AM
2754Michael CoufalikOH11/17/2014 7:39 AM
Allowing appraisers to use this data can only enhance and reinforce your collateral lending guidelines. Please share this tool with all participants.
2753T. AmesOH11/17/2014 7:28 AM
The use of this data without consent from the suppliers is not only shameful, it's theft. Then slap the supplier in the face by not allowing the use of this data that was stolen only shows they are not doing it in good faith. One can conclude that the collected data is not indented to make the reports more creditable, but a tool to eliminate appraisers from the process.
2752Robert LurieOH11/17/2014 7:26 AM
2751michael BurnsIL11/17/2014 7:23 AM
2750Karen RanneyMD11/17/2014 7:18 AM
2749Ken MaurerDE11/17/2014 7:03 AM
2748Richard CirilloIL11/17/2014 6:49 AM
2747Richard CirilloDE11/17/2014 6:47 AM
2746Robert CenciOH11/17/2014 6:35 AM
2745James DeVageMD11/17/2014 6:26 AM
As always, when the Government gets involved we lose again. They just don't get it.
2744Paul DelleDonneDE11/17/2014 6:19 AM
2743Doctor ManhattanPR11/17/2014 6:16 AM
2742Larry HardinOH11/17/2014 6:14 AM
To many bureacrats now in the process adding means and ways to save an appraisal fee , then when the bottom falls out , point fingers at us . All data should be at, site verified not desk top reviewed and provided to the Appraisers , especially since they provide the original info. Yes we need access to the data base and verify all data retrieved for use. Thank you
2741Christine EricksonNH11/17/2014 6:11 AM
2740Jerry TomkoOH11/17/2014 5:50 AM
This data would certainly help in better quality reports as some county and MLS data is known to be incorrect
2739Mario CarrizalesIN11/17/2014 5:48 AM
2738Paul PiekosIL11/17/2014 5:48 AM
2737Bradford LeveringDE11/17/2014 5:44 AM
2736Jonathan LairOH11/17/2014 4:51 AM
2735Jeffery A MazzaferriOH11/17/2014 4:04 AM
If this data is to be used to demand comments regarding sales which the appraiser is not privy to, then all data collected by Fannie Mae (FNMA), Freddie Mac (FHLMC), FHA/HUD and VA MUST be provided to the appraiser. USPAP mandates that the appraiser MUST provide comments regarding "professional help" provided. To not provide this data to the appraiser, but mandated that the appraiser justify why specific sales were not reported as a "comparable" placed the appraiser in violation of USPAP, because an undisclosed person HAS PROVIDED "PROFESSIONAL HELP"!!!
2734Nick GioiaMD11/17/2014 2:05 AM
2733Brian MacklinMD11/17/2014 2:04 AM
2732William CraytorCA11/17/2014 12:11 AM
From what I hear (good or direct sources), there are very influential companies like Collateral Analytics in Hawaii, HouseCanary.com in San Francisco, and other even larger and more established companies, that are currently lobbying with Fannie Mae and other relevant organizations in Washington DC, for this sort of thing. These companies are often led by Ph.D's and CEO's with, on paper, commendable degrees and experience. It appears officials are simply blown over by their credentials and there will be little, if any supervision of their AVM processes. Above all, these AVM companies are employing proprietary "black box" statistical methods (I was told by Collateral Analytics that they use a combination of 20 different statistical tools running in the background - details of which they won't disclose) to create VALUE ESTIMATES and VALUE ADJUSTMENTS. If consistent upward or downward bias were added in amounts as small as 0.5% or even less, the bias would be essentially invisible - yet, would create feedback loops that would most likely create bubbles in hot markets - and thus economic damage. Of course, those in control of the process could make small fortunes through investment, shorting at the right time and so on. And, even if these products are currently accurate, what is there to guarantee that somewhere down the road, things don't go astray? So, what is going to happen is that Fannie Mae, Freddie Mac, ..., and above all the AMCs will use these tools to flag appraisers, whose values don't match those of the AVM's, for review (or, to put it more bluntly - harassment). So, any bias in the AVM values will get transferred to those appraisers who can't afford, due to their slim profit margins, to have to deal with continuous harassment from the AMCs. Suggestion: 1. AVM models used for review and underwriting used must be disclosed - that is, they must disclose their methods, their models, and ongoing updates to such methods and models. That doesn't mean that their proprietary code needs to be open to review (IMO). 2. The models they employ must BE UNDERSTANDABLE by trained appraisers, that is they must be based on methods such as MARS regression. I think the killer right now for appraisers is Collateral Analytics "Interactive AVM". This will allow underwriters, brokers and AMCs to enter actual comp and subject property values to get adjustments. I would have to admit, that, assuming there is no significant bias, such adjustments would probably beat out any adjustments most appraisers using linear regression would come up with. (--- I can remember in my first years as an appraiser work for a supervisor, he insisted use $40/sf for all SFRs - which I knew didn't make any sense at all for higher end properties. But of course, if you deviated too far from this, you could expect problems from most underwriters at the time. Consequently lower priced homes were often overvalued and higher priced homes undervalued. ) Anyway, the point is, IF AMCs, Fannie Mae and other organizations capable of reviewing appraisers work have access to these tools and the data they are run on, then appraisers should be given access to them as well, if only for reference. They shouldn't be forced to comply with the adjustments suggested by the methods. But, certainly, the limitations of these black box methods need to be recognized on all sides. Otherwise, the appraiser value estimates will be continually out of synch with those of the AMVs - leading to continuous harassment, inefficiency and a waste of time on all sides. Furthermore, the companies that provide the AVMs for appraisal and appraisal review, need to disclose the underlying methods and models in detail, even if if the result is a morass of overlapping statistical methods and machine learning techniques, that are virtually impossible to provide a reasonable explanation for. In fact, for appraisal purposes, I would think, that these AVMs should NOT be allowed to generate ultra complex models (ref. USPAP AO 18) that appraisers would find impossible to use in order to explain the why and wherefore of value differences between different properties - if for example they wind up in court before a judge and/or jury. That is to say, statistical models should be able to split out explanations of value difference by feature: GLA, lot size, bedroom count, view, etc., - even if the functions for each feature are non-linear. Current AVMs do NOT do this, as far as I know. The standard method of Linear Regression currently widely employed by appraisers, is, however, not a solution. I only found rare occasions where linear regression could fit the data enough to be usable (homogeneous neighborhoods) - especially when comps are hard to come by and neighborhoods are complex mixtures of heterogeneous properties. The simplest solution, that will provide good modeling for home values is MARS (I still use the one from Salford Systems); although some other multivariate non-linear method could provide results that might be satisfactory. By the way some of the likely candidates for AMV processing: Machine Learning, Tree Net, Neural Networks, Random Forests, Logit, CART, Workflows may be created where different methods are used for different steps of the valuation process, e.g. defining neighborhoods, analyzing demographic information, filtering and categorizing properties and so on. From the sound of things, the process is most likely so complex, that it would be difficult even for someone close to the process and code to explain why some property A has such and such a value difference with another property B ("It just works out that way.") - A recipe for problems down the road. Bert Craytor, SRA, CGREA Pacifica, CA
2731John MangenAZ11/17/2014 12:00 AM
2730Polly StidhamAZ11/16/2014 11:38 PM
2729John MurdenLA11/16/2014 11:14 PM
Seems odd that appraisers are forced to obey the rules and regulations made up by the companies who cooked the books and were bailed out by the government. Why should anyone question that they will do the right thing.
2728John OsipchakVA11/16/2014 10:55 PM
its appalling that the hard honest work of Appraisers is being exploded in this way. We appraisers need to be included in the process and have a say of what information is being released.
2727Byron PerryCA11/16/2014 10:24 PM
2726Jeff PenceOH11/16/2014 9:16 PM
2725William ClarkDE11/16/2014 8:58 PM
2724Amanda AltheideTX11/16/2014 8:38 PM
2723Joanna CondeAZ11/16/2014 8:35 PM
2722Richard MarloweOH11/16/2014 8:18 PM
This should be used as an additional tool. One more tool to become a little more accurate
2721Pamela WeirickOH11/16/2014 8:09 PM
This makes sense. What DOES NOT make sense is not sharing this with the appraisers who are the reason this systems exists!! Wouldn't it make sense since more data would mean a more credible appraisal?
2720Leif StormoAZ11/16/2014 8:01 PM
2719John KosirAZ11/16/2014 8:01 PM
2718Josh SmithOH11/16/2014 7:58 PM
The appraiser needs to be included in this shared data. Thank you
2717Paul CostaMA11/16/2014 7:50 PM
For what it's worth....
2716shellie cohenNY11/16/2014 7:48 PM
2715Paul JohnsonAZ11/16/2014 7:45 PM
2714Shirley YannottiNY11/16/2014 7:41 PM
2713James HeasletAZ11/16/2014 7:37 PM
Allowing us access to the data would only improve our craft and the product that they receive.
2712Chad DufresneFL11/16/2014 6:47 PM
2711Jeff ReynoldsNE11/16/2014 6:43 PM
2710Mary Helen MarksAZ11/16/2014 6:26 PM
2709William CollinsNY11/16/2014 6:26 PM
2708William BrambleKY11/16/2014 6:21 PM
2707mike! mcgaviskDE11/16/2014 6:21 PM
This only makes sense.
2706clark davisOH11/16/2014 6:13 PM
2705Gordon HughAZ11/16/2014 6:04 PM
2704Michael WrightAZ11/16/2014 5:58 PM
2703Karin KelseyOR11/16/2014 5:44 PM
2702Shirleyann ColonnaCA11/16/2014 5:28 PM
2701Lori KentMA11/16/2014 5:27 PM
2700Gary BurnsIL11/16/2014 5:19 PM
2699Sheryl MartinOH11/16/2014 5:08 PM
How can we as an industry respond to and improve upon when there is no access to or feedback on appraisals submitted.
2698Kimberly BeachGA11/16/2014 5:07 PM
Appraisers should be allowed access to this data.
2697Anke MoinianNY11/16/2014 4:48 PM
Appraisers need to be allowed to access the data that they provided through the UAD and should be allowed to view their own "scorecard".
2696Judith WheelerWA11/16/2014 4:33 PM
2695Elizabeth ReaganDE11/16/2014 4:21 PM
2694D. Page WilgusDE11/16/2014 4:12 PM
2693Paul BrooksOH11/16/2014 4:12 PM
2692Shawn KirkhartOH11/16/2014 4:10 PM
It's not our fault
2691Michael HofferPA11/16/2014 4:02 PM
2690Art GaudetteAZ11/16/2014 3:54 PM
Like so many other real estate appraisers I support the fact that Freddie Mac or Fannie Mae let us have access to the data that they took from us without our permission. Let none of us ever forget that the national problems that led almost to a total meltdown of the American economy had its start, the start of the stream with federal agencies such as Freddie Mac and Fannie Mae – – with her lack of oversight of banks and lending institutions allowing such crummy loans being made in America. Of 2004 to 2007. Real estate appraisers may have contributed in a minor amount, but this lack of oversight that was truly federal government is responsibility is what caused and started the downward spiral in the 2004/8. So federal government mechanisms to overview the of appraisal sector of America should also in like kind turn around 180° and develop mechanisms to keep the very organizations that are overseeing us real estate appraisers to also overlook the very poorly managed Fannie Mae and Freddie Mac and various organizations like that.
2689Oscar BostickAL11/16/2014 3:47 PM
2688Warren KleskiOH11/16/2014 3:47 PM
2687Crystal UprightUT11/16/2014 3:35 PM
2686Commercial AppraiserCA11/16/2014 3:23 PM
When are you folks (residential appraisers) gonna have the Bells or Brains to BOYCOTT these Folks? http://www.harriscompanyrec.com
2685Denise WrightOH11/16/2014 3:10 PM
Appraisers need data to complete a reliable report - this information NEEDS to be shared with appraisers. Especially since the data was mined from our reports.
2684Robert SchaadtOH11/16/2014 2:41 PM
2683Todd CrimminsAZ11/16/2014 2:41 PM
2682jeffrey patchAZ11/16/2014 2:37 PM
2681Michael ThompsonAZ11/16/2014 2:29 PM
2680Kyle LindseyAZ11/16/2014 2:27 PM
2679Patrick WhiteOH11/16/2014 2:09 PM
2678Mark GreenAZ11/16/2014 2:08 PM
2677Karen DespinesAZ11/16/2014 2:02 PM
2676Joseph DomeierMN11/16/2014 1:59 PM
If the goal is a credible appraisal WHY would the appraiser be denied this information? As we all know the more information/data we have the more credible the results.
2675Barbara SeidelOH11/16/2014 1:55 PM
2674Douglas BennettDE11/16/2014 1:49 PM
In addition to pay rates consistently below the Federal guidelines for Reasonable & Customary, AMCs will now have a new tool with which to question every adjustment and Value Conclusion made by qualified Appraisers. This will clearly be another opportunity for the tail to be wagging the dog. Remember, it is the Appraiser who holds the license to do what they do, not the reviewer.
2673Marc DesabraisAZ11/16/2014 1:48 PM
2672Christian JacksonMD11/16/2014 1:43 PM
Providing appraisers access to the data before it is transmitted to the lender only makes sense. Why not allow us access to something that will only help improve the quality of the reports, ultimately creating more credible results and minimizing risk to the lender?
2671Lillias BradyDE11/16/2014 1:28 PM
This data is provided by the appraiser and should be available to us.
2670Mark AndersonAZ11/16/2014 1:27 PM
It is my understanding that Fannie has collected data from appraisers. It would seem reasonable to share the data that was collected.
2669Cheryl ZormeierAZ11/16/2014 1:24 PM
2668Beth PaoloniOH11/16/2014 1:17 PM
2667Durk ReeseOH11/16/2014 1:07 PM
2666Danny ColdrenPA11/16/2014 1:04 PM
2665Rebecca AllenAZ11/16/2014 1:00 PM
2664Kristen ScalponeAZ11/16/2014 12:58 PM
All real estate professionals are working harder than ever before to meet ever changing guidelines. As our industries work closely together to provide the best systems available to the banking industry, Appraisers need the opportunity to have their data collected transparent for business purposes in an effort to improve and ensure accuracy as well as being provided with greater communication, trust and understanding from UAD systems put in place. We look forward to the GSE's support. Thank you!
2663Frank JonesAZ11/16/2014 12:46 PM
2662Alan GertnerTX11/16/2014 12:43 PM
The GSE's / clients must make publicly available to the Appraiser all tools and data used to accept/reject or evaluate an Appraisal. This includes the UCDP XML validation tool, Collateral Underwriter, data source(s) and all related items. The Appraisers need access to the official version of these items, not a knock-off 3rd party version which generates different results and may result in the Appraiser being improperly blacklisted. This allows the Appraiser to consider, test and address all these issues when developing the report. When the Appraiser submits the report, all the issues should have already been addressed. This would significantly reduce the need for re-work and improve the appraisal process efficiency for all the parties involved. This would also allow the Appraiser to avoid being improperly blacklisted by the GSE's / Fannie Mae / Client. This has already happened. Once an Appraiser is blacklisted, their career is over.
2661Betsy HiteOH11/16/2014 12:36 PM
2660Peggy PetersonAZ11/16/2014 12:22 PM
We keep getting more and more requirements, along with the ridiculous attempt to make an opinion of value into an exact science! If the CU gets information from our appraisals, we should have access to the same information! It's time for appraisers to unite for fairer practices, accurate information reported from Realtors for all sales through MLS and higher fees! Appraisals are taking longer and longer to complete but fees are still the same as 15 years ago! And now FNMA wants to rake us all over the coals for shoddy practices by lenders!
2659Cynthia GardnerFL11/16/2014 12:15 PM
By definition, an appraisal is an opinion of value. The actions under Dodd-Frank and the big stick threat approach for all appraisers under UAD has damaged appraiser independence and created a system where all appraiser's will be judged not by the quality of their work, expertise and experience, but by the common denominator regardless of ability.
2658BENJAMIN BURNOROH11/16/2014 12:12 PM
Seems to me that if the appraiser had the opportunity to send the report through the CU, BEFORE sending to the client, that it would increase efficiency. This could be done by allowing software providers access. It would provide the appraiser access to the data and be able to address potential concerns prior to delivering a final report.
2657audrey boydOH11/16/2014 12:10 PM
Ohio/ Indiana
2656Susan SchroederOH11/16/2014 12:07 PM
2655Robert BurkleyOH11/16/2014 12:05 PM
The appraisal process is not this scientific. The real problem is 97% LTV, no money down, job loss.
2654Janine RowlandAZ11/16/2014 12:01 PM
This is a dangerous precedent indeed. Access to this collected data MUST be provided to the men and women who provide the data in the first place. Would this not be considered exclusion of relevant evidence to the "blacklisted appraiser"? I see increasing voluntary early retirement for appraisers with a wealth of knowledge and experience and a lack of interest from those younger people who read the requirements to become an appraiser, realize the compensation offered, and go elsewhere. This must stop.
2653Murad AtiehIL11/16/2014 11:57 AM
If we are truly trying to make the appraisal industry better, we need to stop making it us against them. We should be working together. The information should be made available to the appraisers to make them better appraisers.
2652James WilkinsPA11/16/2014 11:46 AM
We see how a lack of true transparency has worked with healthcare so how can we trust the same people in this instance. During my 30+ years as an appraiser government involvement has on balance had a definite negative affect on the validity of our product. It's the old story of asking your doctor about car problems and visa verse. Why would we ask government employees or Fannie/Freddie (who played one of the most significant parts in the "Subprime" debacle) how to produce honest, intelligent, and realistic appraisals?
2651Janice RoseberryOH11/16/2014 11:42 AM
2650Christopher NelsonNV11/16/2014 11:35 AM
We should be able to see the data WE provide.
2649Bonnie GuslandIA11/16/2014 11:35 AM
2648Jeff PlayfordAZ11/16/2014 11:34 AM
2647Robert StevensAZ11/16/2014 11:32 AM
An appraiser should not be denied access to data about themselves, which could lead to not knowing any problems till it is too late to change appraisal practices.
2646Jim OsgoodAZ11/16/2014 11:31 AM
2645Bruce BaileyOH11/16/2014 11:28 AM
It would be a violation of State and Federal law if the information in this review format is created from UAD compliant reports. Appraisal reports have specific named users, and uses. This is not one of them. If this format is used in 2015, the review would have to become part of the appraiser's work file.
2644Jeff CarrollOH11/16/2014 11:22 AM
2643Charles RitzCA11/16/2014 11:16 AM
2642Kirk MillerOH11/16/2014 11:14 AM
2641Joe BatrichAL11/16/2014 9:20 AM
The CU is a really bad idea. An appraiser's career and livelihood can be terminated without due process, without explanation, without fully supportable reasoning. An appraisal is an OPINION of value, how can a machine support unsupportable data without an honest opinion?
2640Kenneth MullenNC11/16/2014 8:28 AM
2639Diane KistingIL11/16/2014 7:56 AM
2638Cynthia ValcarcelPA11/16/2014 7:41 AM
Garbage in, garbage out. Until Realtors are required and trained to input accurate information into the MLS from which we obtain most of our data on comparables, there will continue to be discrepancies, distortions, and inaccurate valuations.
2637Jay LaubengeyerNJ11/16/2014 6:50 AM
2636Kathleen McGannMD11/16/2014 6:48 AM
2635John CooneyOH11/16/2014 4:28 AM
Lets treat all parties to a transaction fairly and without bias. We appraisers are sick of being treated like second class citizens. We are the ones that are the watchdogs to the treasury. Let us do our jobs and pay us what we are worth for all the time needed to do quality work.
2634Arthur BryantWA11/16/2014 2:04 AM
2633Tanya BirrenFL11/16/2014 12:39 AM
2632Jennifer CarterAR11/16/2014 12:05 AM
2631Byron LovejoyCA11/15/2014 10:14 PM
2630Jodie CarpenterMD11/15/2014 9:46 PM
2629Gregory BrashearsCA11/15/2014 9:10 PM
2628Cynthia ReeseAZ11/15/2014 8:59 PM
Time to let appraisers be part of the solution - not just a scapegoat to blame.
2627clarence reidKY11/15/2014 7:53 PM
2626Robert MillerNC11/15/2014 7:51 PM
There are several many valid points, from comments below and I agree with almost all. It is time we had more of a say about Fannie & Freddie; each making our professional life more difficult.
2625Carol RockmanFL11/15/2014 7:41 PM
"10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property" A disinterested source would be the CU since its nothing more an automated aggregation of data. It would appear to be a violation of USPAP for those parties, Lenders, AMCs, the GSEs who now have the data to withhold it from the Appraiser and then try to hold them accountable for NOT having the same data since its not being made available for verification.
2624Steven JohnsonIL11/15/2014 5:05 PM
This is what we need. More intervention by one of the worst run corrupt organizations in the world. Fannie Mae. Like the vast majority of government agencies, it is corrupt and criminal. I find it laughable to think one of the worst run organizations in the history of this country is monitoring law-abiding, hard working and honest appraisers, who are just doing their jobs to eek out a living. Laughable if it weren't so tragic.
2623Michael GreenfieldIL11/15/2014 4:53 PM
2622Brad WisenerOH11/15/2014 4:42 PM
2621Michael WalshIL11/15/2014 4:30 PM
2620Don HawkinsGA11/15/2014 3:38 PM
2619Wayne LeveringOH11/15/2014 2:55 PM
2618Catherine MaherCA11/15/2014 2:46 PM
2617Mark HuffmanOR11/15/2014 2:19 PM
This would be a great step in improving the valuation process. Improved data would greatly improve the accuracy of appraisals and be a positive step in communication between the participants involved in the mortgage lending process. I trust you will see the light and do the right thing.
2616Michael KrumMI11/15/2014 1:53 PM
2615Joseph FarmerGA11/15/2014 1:47 PM
Stand up to the AMCs, the crazy/desperate Loan Officers, FANNIE MAE ... They care ONLY about profit! UAD, UADP, GSEs, CUs ... What a buch of silly bullshit!
2614Joan FloresTN11/15/2014 1:40 PM
2613Stella HancockFL11/15/2014 12:15 PM
2612Glenn WierzbickiIL11/15/2014 11:32 AM
2611Todd TravisOH11/15/2014 11:22 AM
2610Cheryl SpenceCA11/15/2014 10:50 AM
2609Linda BestKY11/15/2014 10:02 AM
2608Thomas CahillMD11/15/2014 9:41 AM
Mine data from our reports, give it to lenders and AMC but withhold it from us - the people who provided the information! That makes total sense, are they kidding us. Rather than make the information available to us in the BEGINNING (at no charge!) so we might write a better report, use it against us if we make an honest error. Why don't you place most of the blame where it belongs - lenders making bad loans to people who are not qualified, real estate agents who withhold information from listings and don't provide interior pictures, public records/government data that is not accurate and AMC's who know nothing about the appraisal process, are not regulated and take part of our fees! It is already impossible to make a decent living as an appraiser. Have been building my non-lender business and eventually plan to do NO LENDER work or get out of the business altogether. BIG BROTHER is watching, be ware!
2607Jerome BellMD11/15/2014 9:39 AM
2606Brent LittleCA11/15/2014 9:29 AM
2605Mustafa SalehiOR11/15/2014 9:08 AM
We all want to provide the best product available. This would be a great product improvement tool. Why are appraisers being denied this tool?
2604Marie WentlingMA11/15/2014 8:50 AM
Providing this data to appraisers will improve the appraisal and appraisal review process for all parties, making the mortgage transaction run smoothly for the consumer and protecting the interests of all parties.
2603Roseanne MakarNC11/15/2014 8:32 AM
2602Kirk ReedOH11/15/2014 8:29 AM
Due to inconsistencies from one data source to the next, two appraisers may use the same comparable sale in separate reports. How they choose what data from the sources is best will vary from one appraiser to the next. With neither appraiser actually being wrong in the data they choose to use. Seems like an exercise in varying shades of gray.
2601Bonnie AlveyMD11/15/2014 8:27 AM
Seems like Fannie Mae wants to insure that they have a scapegoat in being able to point the finger at the appraiser. Is their philosophy "Lets set them up from the beginning!"? Appraisers are quickly going to become a thing of the past. Sure am glad I'm staring retirement in the face!
2600Pamela SpampinatoMD11/15/2014 8:24 AM
2599John MayMD11/15/2014 8:20 AM
2598George BacogiannisIL11/15/2014 8:18 AM
2597James MoranMD11/15/2014 7:53 AM
2596Earl LoomisDE11/15/2014 7:43 AM
Appraisers should have access to this information the same as lenders. Appraisers want to do good appraisals for their clients. If we know ahead of time what concerns lenders/Fannie Mae have with appraisals, the appraisers will comply and everyone will be happier. Only a few appraisers inflate the value, in most cases, to keep their clients, loan officers and some agents happy. Some appraisal management companies apply pressure to those appraisers and this is one reason many of us will not accept assignments from AMCs.
2595Henry XanderMD11/15/2014 7:38 AM
2594Mark SchlehrMD11/15/2014 7:23 AM
2593Christine LobosMD11/15/2014 7:10 AM
2592Stephen HookMD11/15/2014 6:33 AM
2591Robin RoushOH11/15/2014 6:31 AM
2590Paul JaskoCT11/15/2014 6:20 AM
Get rid of the Gotcha attitude!! Pay fair wages !! Mkae the info a tool to help no tool to scare. THis petition is the closet thing I have seen with appraisers coming together, we need more of it.
2589Thomas SullivanNY11/15/2014 6:17 AM
What is a good field of work to go to after appraising? 26 years of my life. For what? Now we appraisers can't be trusted? Where are the intelligent people who are suppose to be fixing this? Who is watching the loan officers and underwriters?
2588RANDALL SchwarzNY11/15/2014 6:01 AM
2587Jordan MayMD11/15/2014 5:31 AM
2586Timothy FinklerOH11/15/2014 4:46 AM
2585Michael SchlehrMD11/15/2014 3:31 AM
If the goal is a better end product for all concerned, then appraisers need to be in on this from the beginning.
2584Christopher ScottTX11/14/2014 11:49 PM
2583Betsy HughesVA11/14/2014 11:09 PM
2582Jerilyn BockCA11/14/2014 11:00 PM
Remember when the appraised values were the most important entry on our appraisals? Now it's just nonsensical UAD entries with weird codes that really make little sense to appraisers who have to fit a property "neatly" into their restricted cookie-cutter categories. And now they want to keep our own data from us, but provide it to the lenders, and everyone else except us. Does that make sense to anyone except a government agency? This is just another step in the Fannie Mae "war on appraisers!" Let's face it - their ultimate goal is to computerize appraisals with our own data and get rid of us. We all know we're on a sinking ship - bail out before it's too late!
2581Kathe Merrill-BarberUT11/14/2014 10:50 PM
2580Ron KurzawskiIL11/14/2014 9:42 PM
2579William RobisonCA11/14/2014 9:20 PM
2578Carla DeYoungLA11/14/2014 9:13 PM
We have been put into a box with what is suppose to be an educated opinion. Last I checked, opinions don't fit into a box. The UAD with it's one size fits all, isn't working out to well in my opinion. You want an appraiser to call a comparable or a subject a certain q or c rating for every appraisal and this does not work, because we are comparing one to another. The subject may be higher quality than a comp in one case an not in another case or visa versa. This results in a different q rating depending on each situation and would also be for the c ratings. You, however, have decided to box everything in, in hopes to clone our data and someday determine the value on your own. I am assuming that this isn't working out for you, therefore, you are trying to come up with another way to put everything into your computer and make a value determination on your own. Guess what, it will never work. Let us do our job, based on the scope of our work and not your boxed in scenarios.
2577Katherine FrostMD11/14/2014 8:37 PM
2576ABE WEINSTEINMD11/14/2014 8:36 PM
2575Melvin JenningsSC11/14/2014 8:20 PM
2574Kevin PellonAZ11/14/2014 8:09 PM
2573Darla Sneade MD11/14/2014 7:38 PM
2572Joseph LittleMD11/14/2014 7:19 PM
2571Tracy SosebeeGA11/14/2014 7:19 PM
2570Jeff MandelCA11/14/2014 6:56 PM
2569Azul CarrilloCA11/14/2014 6:55 PM
2568Michael CassellMD11/14/2014 6:54 PM
2567Victor EnglandDE11/14/2014 6:28 PM
2566Gregory RankeIL11/14/2014 6:24 PM
Per USPAP perfection is impossible to attain- There endless possible variables in an appraisal to consider as this can change from one appraiser to the next (which we all know) individual comp selection, interpreting condition ratings, qualitative adjustments. The appraiser makes the final call, our independence and our own interpretation. Stop the over regulation.
2565Kim MatzenMD11/14/2014 6:14 PM
Why do the lenders have the benefit of the data and appraisers don't when we are the people held accountable for what's in the report.
2564Cindy ButlerMD11/14/2014 6:12 PM
2563Kathi MooreCA11/14/2014 5:54 PM
2562Christine QuinonesMD11/14/2014 5:53 PM
2561Suresh HatteMD11/14/2014 5:52 PM
Online petition to allow appraisers access data provided through Uniform Appraisal Dataset.
2560Herbert W. JohnsonDC11/14/2014 5:51 PM
Please provided us with this information so that we can see how it relates to the appraisal process since we are the ones doing the appraisals.
2559Albert MattheisMD11/14/2014 5:47 PM
Please help us do what you want, by providing us the tools to do so.
2558Beth RiedelMD11/14/2014 5:17 PM
This data needs to be made available to appraisers at the BEGINNING of the appraisal process to ensure transparency and enhanced appraisal quality by reducing the potential for errors that will trigger "red flags".
2557John HicksTN11/14/2014 5:14 PM
2556Michael SheltonNC11/14/2014 4:41 PM
2555Brad Johnson, MAIFL11/14/2014 4:36 PM
2554Michael WolanskiOH11/14/2014 4:32 PM
Data available from County sources, realtor and others are inconsistent and seldom accurate. Much time is spent trying to figure out which data is closest to being correct. It is a shame data is so poorly maintained and we as appraisers are expected to be accurate.
2553Benton (Scott) FlemingTX11/14/2014 4:28 PM
2552Marcie BiltonIL11/14/2014 3:48 PM
2551CAROL COOPEROK11/14/2014 3:13 PM
2550James NunnSC11/14/2014 3:09 PM
2549Michael DohertyVA11/14/2014 2:54 PM
2548David DupreeGA11/14/2014 2:52 PM
I wonder who is going to be the first appraiser sued with this secret data used against him or her. We might need to start a legal defense fund!
2547Karen RyanNH11/14/2014 2:41 PM
2546robert jonesNJ11/14/2014 2:38 PM
2545Thomas BolhouseIL11/14/2014 2:34 PM
2544Roy BrownWA11/14/2014 2:30 PM
It is the upmost importance for appraisers to have early access to this data, which they have supplied! The goal is better appraisals and better appraisers. Withholding this data from them will only cause punitive cases against appraisers without improving the quality of the work product or the knowledge level of the appraiser.
2543Maria WattsNJ11/14/2014 2:30 PM
Give us this tool in our software
2542james segaulFL11/14/2014 2:27 PM
2541Irlene RohlfOR11/14/2014 2:22 PM
Please make data available to appraisers to aide in developing a reliable report. Thank you.
2540Suzette MccafferyNM11/14/2014 2:12 PM
The more information I have the better the appraisal and the quicker the process.
2539Gary PoppIL11/14/2014 2:04 PM
2538mary snyderPA11/14/2014 1:41 PM
give us this tool in our software
2537Jose L CobianFL11/14/2014 1:27 PM
In order to expedite a smooth process when we submit an appraisal report it would wise that we appraisers have access to this information to avoid delay in processing this reports. Would be easier for the lender to process the loan and protect the general public.
2536Mitch BaratsOR11/14/2014 1:24 PM
I have had instances where I have used a comp as a listing and given it a condition and or quality rating of XX. Then a month later I get an order for a sale on that listing. Once I inspect it, I find it is better or worse than reported. What is the process for changing that rating based on inspection vs. Mls data?
2535Michael ElliottKS11/14/2014 12:53 PM
2534Matthew CurranNC11/14/2014 12:49 PM
I feel that access to this data (provided by appraisers to begin with) could be used as a way to improve appraisal quality and accuracy, and should not be used solely as a way to refute appraiser's work.
2533Karen LoronaMS11/14/2014 12:40 PM
2532Joseph McCauleySC11/14/2014 12:37 PM
Its our research, we collected it, we reported it, our reports are our products, we should have access to them in the same manner that others can access it. It will save everyone a lot of time and hassle if we are all on the same page, appraisers, lenders, underwriters, and loan guarantee agencies. Other professionals share data with each other freely to benefit the profession and to provide better service to the public. It is only reasonable that real estate appraisal data should be available to all parties as well.
2531William GrowneyAZ11/14/2014 12:36 PM
Again, lenders with untrained personnel who haven't seen the house will demand changes that the appraiser, by definition, does not agree with.
2530Connie G TurnerTN11/14/2014 12:36 PM
2529Chris HughesMA11/14/2014 12:26 PM
2528GERARD RECORDNY11/14/2014 12:18 PM
2527Donald PeytonCA11/14/2014 12:17 PM
2526Carl StokesCA11/14/2014 12:14 PM
2525kenny butlerOK11/14/2014 12:12 PM
2524kenny butlerOK11/14/2014 12:10 PM
2523kenny butlerOK11/14/2014 12:09 PM
2522Michael BoldtID11/14/2014 11:56 AM
USPAP Comment: "Perfection is impossible to attain, and competence does not require perfection." Appraisals will never be perfect when judgment, perception and people are involved. Before they realize this a lot of the good appraisers will be gone. IF you have 20 appraisers, that have a comparable sale with a condition rating difference between C2-C4 who is correct? How does the GSE verify the correct data(condition ETC.)?
2521Michael HatleyTX11/14/2014 11:54 AM
2520LORI NETHERLAININ11/14/2014 11:47 AM
I totally agree that since this is a compilation of data provided by appraisers that appraisers should have access to it, especially by allowing the appraisal software companies to incorporate it into their E & O checking modules. Transparency is important to reduce the risk to EVERYONE in the lending process.
2519Tracy Strobel GA11/14/2014 11:42 AM
2518Kristen StultzCO11/14/2014 11:26 AM
2517Teresa LangfordNM11/14/2014 11:16 AM
2516Byron GoldsmithTX11/14/2014 11:02 AM
2515Dale SmithMI11/14/2014 10:43 AM
2514Donald BanaszekPA11/14/2014 10:42 AM
2513David WheatMI11/14/2014 10:30 AM
Is this a bad joke let the appraiser's have access to this information to help develop the appraisal as this is a great data base. Lender do not even need this and they are the ones that should not have access to it. Every change in appraisal in the past 16 years has been taking the worst ideas and using them and making appraisal a nightmare.
2512Harry DavisTX11/14/2014 10:27 AM
This would be a valuable tool for the appraisal industry and would help us to provide the best and most consistent data to Fannie Mae.
2511Mark LeithMI11/14/2014 10:27 AM
2510Matthew LottGA11/14/2014 9:57 AM
2509Vicki GillettePA11/14/2014 9:52 AM
It is definitely a flawed system problem if the reviewer has data available that I can not get and then judges my work based on that data.
2508Michael MicenkoIL11/14/2014 9:46 AM
2507Scott WilliamsMI11/14/2014 9:45 AM
2506Ernest GilesGA11/14/2014 9:42 AM
2505Kay SuttNM11/14/2014 9:40 AM
In nondisclosure states, such as NM, accuracy and consistency of data is an especially difficult problem. Therefore access to accurate comparable sales data from other appraisers, which I understand this system will have, would help all appraisers produce better, and more accurate, reports.
2504Glenn PierceCA11/14/2014 9:38 AM
2503Marvin YorkTX11/14/2014 9:25 AM
There is no reason why the appraisers that populated these databases should not have access to it.
2502Dale HickmanIL11/14/2014 9:21 AM
Something that is needed to help the appraiser.
2501Steve HardmanAZ11/14/2014 9:10 AM
2500Eric ObergND11/14/2014 9:06 AM
2499Matthew KentGA11/14/2014 9:06 AM
2498Keith FlorianMA11/14/2014 8:59 AM
2497Robert HeffernanNJ11/14/2014 8:56 AM
Why would you not want appraisers to have access to this information? If the information is wrong and we can provide proof of the correct info it helps everyone and the system works better.
2496Gary ZandonattiIL11/14/2014 8:54 AM
Appraisers need to be aware of the data/criteria by which we are judged by in order to help improve the process
2495Donna FedericoMA11/14/2014 8:54 AM
2494ERIC ARKFELDVA11/14/2014 8:49 AM
2493Raymond BolyMA11/14/2014 8:44 AM
Access to this data and any other relevant information should always be provided to appraisers prior to the assignment.
2492Joseph GuideMA11/14/2014 8:42 AM
2491Matt BenoitLA11/14/2014 8:35 AM
2490Deborah HealeyNC11/14/2014 8:30 AM
2489Timothy HarpsterOH11/14/2014 8:29 AM
It doesn't make sense that a tool that a lender has would be intentionally blocked from us appraisers, especially since that information comes from us to begin with.
2488Charles Miller NY11/14/2014 8:18 AM
2487mark lotitoNY11/14/2014 8:09 AM
2486Bruce LazarNJ11/14/2014 8:02 AM
legislating their way to our end. We need a lobbyist to be heard!
2485Brett FreemanPA11/14/2014 7:54 AM
2484Peter LeQuireTN11/14/2014 7:49 AM
Appraisers should be allowed use of the data by which their appraisals are scored before that data is used to critique or penalize them. Because there are civil and criminal penalties that may attach because of the use of the CU, access to the data ought not be withheld.
2483Leonid FidmanNY11/14/2014 7:38 AM
The tool such as CU should be inclusionary instrument provided for appraisers as it would better serve local general public and market participants in appraiser's area of expertise.
2482David SamnickGA11/14/2014 7:36 AM
This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
2481ERIC MORSEMI11/14/2014 7:30 AM
Appraisers should have full equal access to this information.
2480Tom CrossVA11/14/2014 7:29 AM
2479Thor NissenGA11/14/2014 7:01 AM
2478James CARAMANELLOCT11/14/2014 6:27 AM
2477Andrew CarterNY11/14/2014 6:25 AM
2476Vickie SmithGA11/14/2014 6:05 AM
2475Eddie De La TorreFL11/14/2014 5:47 AM
2474Mark BrigmanWI11/14/2014 4:16 AM
2473Mary CampbellCT11/14/2014 3:26 AM
2472Gary EddyID11/14/2014 2:55 AM
I believe it is essential that appraiser have the same access to the CU data as this will insure that appraiser's prior data was transmitted correctly and so that the appraiser can have a chance to improve their reports before any adverse actions (minor or major) are applied. After all isn't the whole process suppose to help create sound appraisals that are well supported. I believe the laws & rules where written with the purpose of providing better appraisal. This can only happen if appraiser's are allowed to have the maxim data available to all users of appraisals. The bad apples that the GSAs are trying to weed out will still be unwilling to learn or change their ways. Thank you in advance of allowing full access to the CU DATA.
2471Taylor SmithWI11/14/2014 1:08 AM
Word puzzle
2470RICHARD SMITHGA11/14/2014 12:24 AM
2469Roy TremainIL11/13/2014 11:47 PM
2468Sharon GilliganMD11/13/2014 11:30 PM
2467Dean McMillanAZ11/13/2014 11:01 PM
2466Jean GannonVA11/13/2014 10:19 PM
2465Larry AlexanderGA11/13/2014 9:48 PM
Another way to eliminate appraiser's from the lending process. Just ask the owner what he wants for his property there won't be any of us left once they put us out of business.
2464Romanel DaughtryHI11/13/2014 9:40 PM
2463Gary HarveyIL11/13/2014 9:35 PM
2462James PhillipsNM11/13/2014 9:22 PM
The appraiser's data, appraiser's work and no access to the finished product. Our government at play. The idea of the UAD was for this to happen. All appraisers using the same language so that the "user" could better interpert the report. I do not think so.
2461Kevin StubbsLA11/13/2014 9:15 PM
2460Jarod ShumakerIL11/13/2014 8:45 PM
2459Rafael DelgadoDE11/13/2014 8:38 PM
2458Chris BlanchetteRI11/13/2014 8:22 PM
2457James CoventryPA11/13/2014 8:13 PM
2456Anne EickholtMI11/13/2014 8:10 PM
2455Daniel KandelFL11/13/2014 8:04 PM
Instead of telling me that I did something wrong (in the report), give me some guidance upfront on how to do it right (the 1st time).
2454Chris BetcherUT11/13/2014 7:59 PM
It is out data we should automatically have authorized use of that data.
2453Craig MorleyUT11/13/2014 7:51 PM
Appraiser provide the data that is being used by the GSE's, we should have access to the same data that is being mined from the appraisals provided.
2452Nancy HavensCA11/13/2014 7:40 PM
2451Leonard BaldassanoNY11/13/2014 7:15 PM
2450Francis FisherPA11/13/2014 7:12 PM
2449Walter LearsMD11/13/2014 7:11 PM
2448Jack MehoffHI11/13/2014 7:11 PM
2447Anthony WeldonCA11/13/2014 6:40 PM
2446Tim HookerIL11/13/2014 6:37 PM
2445Susan WolfsonNC11/13/2014 6:29 PM
Any professional that creates a data base with information that they collect should have access to it. This is in the best interest of serving the public.
2444Robert HoggMI11/13/2014 6:09 PM
2443Dustin HawkinsMN11/13/2014 6:02 PM
2442Paul SosebeeGA11/13/2014 6:01 PM
2441Yvette VisserUT11/13/2014 5:59 PM
2440Miles EnrightPA11/13/2014 5:47 PM
Yes!!! The Uniform Appraisal Dataset(UAD) Must provide all data to the appraisers. This is common sense & will benefit everyone. "Transparency" means transparency. Defined as; 1.Lack of hidden agendas and conditions, accompanied by the availability of full information required for collaboration, cooperation, and collective decision making. 2.Minimum degree of disclosure to which agreements, dealings, practices, and transactions are open to all for verification. 3.Essential condition for a free and open exchange whereby the rules and reasons behind regulatory measures are fair and clear to all participants.
2439Mark NovellTX11/13/2014 5:42 PM
2438Patricia LiddellTN11/13/2014 5:42 PM
2437WILLIAM DUSSMANNNJ11/13/2014 5:41 PM
2436Jacob S. HigleyID11/13/2014 5:41 PM
2435John OesterleCA11/13/2014 5:39 PM
2434John BarnesCA11/13/2014 5:32 PM
2433Debra ChadickFL11/13/2014 5:28 PM
2432John TimmMI11/13/2014 5:28 PM
2431Michael RuddenIL11/13/2014 5:23 PM
2430Michael DiFulgoFL11/13/2014 5:20 PM
2429Richard HasleyOK11/13/2014 5:10 PM
2428Jewel LindseyIL11/13/2014 5:03 PM
I sign this petition voting that appraisers are allowed access to the data provided through the Uniform Appraisal Dataset (UAD).
2427Stephen WolfsonNC11/13/2014 4:56 PM
Its our research, we collected it, we reported it, our reports are our products, we should have access to them in the same manner that others can access it. It will save everyone a lot of time and hassle if we are all on the same page, appraisers, lenders, underwriters, and loan guarantee agencies. Other professionals share data with each other freely to benefit the profession and to provide better service to the public. It is only reasonable that real estate appraisal data should be available to all parties as well.
2426John TsiaousisIL11/13/2014 4:52 PM
2425Gerald SmithGA11/13/2014 4:45 PM
This is another example of over reaction by the GSE's to cover for their's and lenders mistakes and unfortunately there are still sub-standard appraisers out there that over value properties to suit a loan officer.
2424Henry StoneCO11/13/2014 4:42 PM
2423Garth ScottWI11/13/2014 4:39 PM
2422Michelle RobinsonLA11/13/2014 4:38 PM
2421Roslyn SchlenkerCA11/13/2014 4:38 PM
This makes sense to me.
2420Vaughn HaneyKY11/13/2014 4:35 PM
2419Darren MorganUT11/13/2014 4:29 PM
2418Dustin DolezalekWI11/13/2014 4:23 PM
2417Quinn McWilliamsWI11/13/2014 4:22 PM
2416Jim KochWI11/13/2014 4:20 PM
2415Debra HegerIL11/13/2014 4:16 PM
Providing appraisers with this compiled date would ensure appraisers are provided with the data that is used to review the work we perform. I do not know of any other profession(s) where the rules of proficiency are not provided. Making this data available to those very people who are expected to meet or exceed the guidelines is only sensible. This data most likely can be improved by use of those professionals in each market. Unfortunately, the Fannie Mae Collateral Underwriter is based upon appraisal input; by majority rules applications. So, if 10 appraisers input the GLA of an improvement based upon MLS data vs . actually verifying the public records - who is going to be accurate? The one who actually verified or the 10 that did not? Another concern is that public records are not always correct. In some areas in central Illinois , the property cards are incorrect over 50% of the time. Why would this data not be available then to allow for the professionals trained to use it to actually compare and verify? This data should be available to all those that participate in the process of appraisals.
2414Karen ScottWI11/13/2014 4:14 PM
2413Evelyn DonicaAR11/13/2014 4:11 PM
2412Theodore SchnelkerMI11/13/2014 4:08 PM
I think it would be very productive for superior assignment results.
2411Susan Ebert-StoneCO11/13/2014 4:06 PM
2410Edward ThayerOK11/13/2014 4:06 PM
2409Marjory BarclayTX11/13/2014 4:05 PM
Yes! YES ! YES!
2408Matt CottiniAZ11/13/2014 4:02 PM
2407Paul D'Anna SrMD11/13/2014 3:55 PM
2406john bisanzIL11/13/2014 3:55 PM
2405Joseph ZieglerIL11/13/2014 3:53 PM
2404Kurt LemmeCO11/13/2014 3:49 PM
2403Bradley KaltenheuserIA11/13/2014 3:49 PM
2402Dean GibsonMI11/13/2014 3:49 PM
2401Keith StewartGA11/13/2014 3:48 PM
2400Scott McErlaneMI11/13/2014 3:42 PM
2399Sara ChambersIL11/13/2014 3:41 PM
2398Jodie ArgubrightOR11/13/2014 3:29 PM
2397Michael PowerGA11/13/2014 3:26 PM
It is imperative that we as appraisers are allowed access to this review tool provided by Fannie Mae. If not, we have absolutely no idea how our appraisals will be reviewed. Is the CU, USPAP compliant? Is it just a massive AVM? I believe it is only "FAIR" that we are allowed to see the CU in action. Mike Power, Certified Residential Appraiser, Georgia, since 1994
2396Melvin HammerWI11/13/2014 3:22 PM
I support our right to have access to this data.
2395Mark WilkersonSC11/13/2014 3:21 PM
2394steven nearyGA11/13/2014 3:18 PM
2393Nickie Fourman OH11/13/2014 3:17 PM
2392John PetrilliIL11/13/2014 3:16 PM
2391Andrew LankfordVA11/13/2014 3:12 PM
2390Art RiveraCO11/13/2014 3:08 PM
2389Joyce EvansFL11/13/2014 3:03 PM
2388Tom SteinhartIN11/13/2014 3:02 PM
2387Grant AushermanPA11/13/2014 3:02 PM
2386David ColettaPA11/13/2014 3:01 PM
The dataset information should be allowed access by appraisers. By providing access the appraiser has yet another source of data to resource and compare in order to provide a better report
2385kATHLEEN WRIGHTCA11/13/2014 2:57 PM
2384David DudekCA11/13/2014 2:55 PM
The dataset information should be allowed access by appraisers. The appraisers provided the data and should not be reviewed by GSE's with private secret data. By providing access the appraiser has yet another source of data to resource and compare in order to provide a better report. Years ago public records and MLS did not allowed access. In this time of big data the property dataset will improve reports, should be transparent and will assist to provide better quality appraisals and further quality in our profession.
2383Richard OrellanaCA11/13/2014 2:54 PM
The appraisers need full transparency more than anyone else involved in the loan process in order for a credible report to be viable.
2382Nicole KocejaWI11/13/2014 2:53 PM
2381Patricia BootesNY11/13/2014 2:49 PM
2380Patrick SullivanFL11/13/2014 2:48 PM
Please refer to 2014-2015 USPAP page F-141 #294. "Information that was NOT AVAILABLE to the original appraiser in the normal course of business may also be used by the reviewer; however, the reviewer must not use such information in the reviewer's development of an opinion as to the QUALITY of the work under review. I believe it is quite clear !
2379Alex KotheimerCA11/13/2014 2:48 PM
I need this as the AMC I mainly work for asked me to be on their Preferred appraisers list to get regular assigned work at a small fee increase. I soon found out it meant assignments with external obsolescence, over-built properties, illegal additions, illegal,transitional zoning ect... They know but never tell me what is up with the properties. This would be great to see prior report so I could be totally prepared before inspection... More than likely 1 more year and I gone as a report now takes +/-15 hours that's $20 an hour less over head and no respect...
2378Karen ReifMI11/13/2014 2:47 PM
2377Kenneth MillerOH11/13/2014 2:42 PM
The UAD data base is only as good as the appraisers putting the data in it. If the appraisers go away so does the data eventually. How long do you think the houses will stay the same without changes made to condition or GLA from additions built on to a property.
2376Ryan HigleyID11/13/2014 2:34 PM
2375James CaskeyNC11/13/2014 2:34 PM
2374Nisen KurmanCA11/13/2014 2:33 PM
2373James CashionTN11/13/2014 2:31 PM
2372Cheryl NielsenIL11/13/2014 2:31 PM
2371Laura WebsterLA11/13/2014 2:31 PM
2370Frank GiordanoPA11/13/2014 2:28 PM
Kindly put yourself in our shoes. Would you want someone to grade you on a test without knowing what the test is about ? Kindly step back and do what is correct. Let us see what the test is so we can improve our profession.
2369Rebecca CookMO11/13/2014 2:27 PM
2368Bella KushinksyCA11/13/2014 2:25 PM
Really? We have to petition for this? It should a logical and necessary next step to make this available to all appraisers for FREE. We don't have enough on our plate already? Its not enough that the entire new industry (yes AMC's I mean you)was created by stealing out of our fees. Lets play new "Gotcha" game and get those appraisers.
2367Judy GaudianoCA11/13/2014 2:21 PM
Appraisers should have access to all available information, especially data provided by appraisers.
2366Linda GottermeyerCA11/13/2014 2:20 PM
2365Kelley ChristensenCA11/13/2014 2:18 PM
2364Patricia KirkTX11/13/2014 2:17 PM
2363Donald L. HortonMI11/13/2014 2:16 PM
Please make this screening available to all appraisers so we can determine IF and in WHAT AREAS of the assignment, we have missed something or accidentally omitted something prior to us submitting the report. This would greatly reduce the reviewers time and request for revisions. Appraiser are still trying hard to comply to the UAD data set which is far too picky on some little issues that have nothing to do with value. Yet these issues can be a cause for a poor rating for an otherwise good appraisal report.
2362Donald JohnsonTX11/13/2014 2:15 PM
2361Edd HabeggerIN11/13/2014 2:12 PM
2360Julie MathewsonMI11/13/2014 2:03 PM
The access to UAD data that has been report by fellow appraisers is critical information, worth more than assessor records in my area.
2359Rich MichelsWI11/13/2014 2:03 PM
2358frank donnahooGA11/13/2014 2:00 PM
2357Andrea VeitCA11/13/2014 1:56 PM
2356John FournierAZ11/13/2014 1:56 PM
I can't think of a legitimate reason to not supply the data.
2355Gary NolenFL11/13/2014 1:54 PM
Thanks to a 30+ page order sheet, I NO LONGER am the appraiser, the order sheet is!! It tells me what I can and can not pick as comps!!
2354Sherri ZimmermanWI11/13/2014 1:51 PM
2353lynn hendersonNJ11/13/2014 1:48 PM
2352Shantae SchumacherND11/13/2014 1:47 PM
2351Martin L RandolphFL11/13/2014 1:46 PM
Why does everything these days appear to be an attack on appraisers. Most of us are hard working dedicated professionals. We used to be regarded with some respect. Now it seems that we are a necessary evil that the industry is trying to get rid of. When I started an appraisal was 8-9 pages. Now and appraisal is over 40 pages and there are still only about 3 pages with pertinent information. Starting around 2003 a low income borrower with a 540 credit score could buy a house with no documentation (no doc loans). More times than not they couldn't pay for it. The financial crisis affected everyone not just the upper income levels. Add real estate speculation that drove prices up not appraisers and there is the perfect recipe for failure. All of the CEO's who drove their company straight into a brick wall bailed with their 30 million dollar golden parachutes and are in a similar position living the life. Will the last appraiser still working please bring the American flag with them.We do still have them don't we?
2350Shantae SchumacherND11/13/2014 1:46 PM
2349Richard OMalleyIL11/13/2014 1:45 PM
It's critical to have access to the same data.
2348Greg HeyblomMN11/13/2014 1:42 PM
2347Marcy ColemanFL11/13/2014 1:41 PM
2346Michael CroseCA11/13/2014 1:38 PM
2345Joseph KaneakuaHI11/13/2014 1:37 PM
2344Donald ChudnowWI11/13/2014 1:35 PM
2343Brian KirkhamID11/13/2014 1:29 PM
2342Linda BostwickCA11/13/2014 1:28 PM
I also think it critical we have access to the same data that will be used to scrutinize our work. Especially since appraisers are the ones providing it in the first place. The playing field needs to be level and equal.
2341Christina EarnshawUT11/13/2014 1:26 PM
2340Ryan FarmerIN11/13/2014 1:23 PM
This should be made available to the appraisers, free of charge. This will only help us do our job better and provide Fannie/Freddie with more credible reports. Thereby helping the entire industry and the American people. In the end, isn't that the purpose?!
2339Charles HartFL11/13/2014 1:20 PM
2338Nancy TreadwayFL11/13/2014 1:20 PM
2337Russell HitomiCA11/13/2014 1:14 PM
As an appraiser approaching nearly 40 years in this industry I can see no reason why this data could or should not be shared with my colleagues. When I first entered the residential appraising industry we only had access to the SREA/CMDC books that was, initlally, data input by appraiser and for appraisers. It was our bible and many lenders were reluctant to accept MLS and other "non-verified" data. Seems we have come full circle now and have a very refined version of that SREA/CMDC data at our finger tips. Why not allow access that will expedite the appraisal process. Isn't that something all lenders want?
2336Robert NelsonMN11/13/2014 1:14 PM
2335Norman FrancoHI11/13/2014 1:13 PM
Help us , help you.
2334Michael CampanaleCO11/13/2014 1:11 PM
2333Daniel KaneFL11/13/2014 1:11 PM
2332Robert MulderNC11/13/2014 1:08 PM
2331Guy BraunMI11/13/2014 1:02 PM
This welomed tool should be used to aid the appraiser not to represent another "gotcha"
2330Frederick BaumMD11/13/2014 12:58 PM
2329Jeff FunkSC11/13/2014 12:57 PM
2328William HobanRI11/13/2014 12:56 PM
The ONLY reason NOT to provide the information is that "...THE BANKS AND FANNIE WANT TO PLAY 'Let's trick the appraiser!!!"
2327Ronald AndrycOH11/13/2014 12:56 PM
2326Kenneth Wolf NY11/13/2014 12:55 PM
2325Norma ClementMI11/13/2014 12:52 PM
2324Matthew FrenthewayUT11/13/2014 12:42 PM
I think it critical we have access to the same data that will be used to scrutinize our work. Especially since appraisers are the ones providing it in the first place. The playing field needs to be level and equal.
2323sue sauerCA11/13/2014 12:39 PM
I believe that the Appraisers Should have access to this data. We are the originating source. You are judging us against each other based on this data - so let us see it. Just because one appraiser writes a report with "No Red Flags" - does not make that the "Correct" Opinion of Value. Appraising is not a "Fill in the blank/form filling assignment" - ONE SIZE DOES NOT FIT ALL. UAD is not a Quality check - it is ONE SIZE FIT ALL FIT.
2322D FNJ11/13/2014 12:35 PM
With all due sarcasm, I don't know why appraisers are complaining. I mean, after all, we will have total access to this data just as soon as the banks turn it into a product (a la NDC and "comp data verification" services) and offer it to appraisers AT A MONTHLY FEE!. See problem solved. We all win. wait... what..?!?
2321Zohar ElazarFL11/13/2014 12:34 PM
2320Doug CrossLA11/13/2014 12:33 PM
Joining together for a unified cause!
2319William BaconMA11/13/2014 12:33 PM
2318Bryan CooperCA11/13/2014 12:33 PM
2317Edward VeytsmanCA11/13/2014 12:32 PM
2316Paula Litzau-LombardoMI11/13/2014 12:32 PM
It is imperative to the future of all appraisers to have access. Who better to access this data then the appraisers who furnished it. It was provided with good intention and should not be allowed to come back at us in any negative form.
2315Jay HartmanID11/13/2014 12:32 PM
2314Terri HartmanID11/13/2014 12:31 PM
2313Matt WoodsAL11/13/2014 12:31 PM
2312Chantale MerrickWA11/13/2014 12:29 PM
2311Thomas LopezMD11/13/2014 12:23 PM
2310Eduardo MataMI11/13/2014 12:23 PM
This is actually valuable information. I would love to be able to go to this for comparable data. I could get accurate data for all my comps from the appraiser that was inside the house instead of relying on Public Records and Real Estate Agents. No more partially finished basement. Now I'll know how much of the basement is actually finished and what rooms are down there. I'll know the real condition and not what the agent tells me. I'll know items the agent may of left of the MLS Sheet or doesn't want to promote. I don't care what amount the computer tells me I should be adjusting for a fireplace. I will continue to do adjustments to the best of my ability no mater what. I know many appraisers and there are a limited number that when looking over adjustments on reports that I would agree with. I can only imagine where we are heading on this but I would love to have this for my data. When I have a comparable that is a bi-level that the agent says is 2,500 square feet I could punch in an address and get the actual above grade square footage from the appraiser that was in there. That would be pretty awesome.
2309Melanie HenningerPA11/13/2014 12:19 PM
2308Susan DenbowUT11/13/2014 12:16 PM
2307David BowmanCA11/13/2014 12:16 PM
2306ROBERT LLOYDMI11/13/2014 12:16 PM
2305Alan GilesUT11/13/2014 12:11 PM
Hope signing the petition will not cause Fannie and others to somehow retaliate against forward thinking appraisers. The massive pubic and quasi-public systems keep track of everyone.
2304Christopher GladysNC11/13/2014 12:07 PM
2303Louise BraunMI11/13/2014 12:06 PM
2302Dana HensonGA11/13/2014 12:05 PM
2301Christopher ChiarlanzaPA11/13/2014 12:04 PM
Making appraisal data available to appraisers is common sense.
2300Judith GaynorIN11/13/2014 12:00 PM
It is ridiculous that we would even have to petition for our own information! You want better product and more control then provide us with better tools. Try sending in an electrician without a screw driver and see if you get power. What a bunch of bureaucratic bs!
2299Janet GordonPA11/13/2014 11:59 AM
2298Patrick GeorgeWA11/13/2014 11:59 AM
It is difficult to understand how RNMA can provide a tool to those untrained in appraisal practices to hold judgment over trained appraisers. If underwriters and management companies are to received these tools then it would be reasonable to also provide them to the same appraisers who will be judged by them. After all the process should be in place to improve the quality of appraisals not as a tool for punishment.
2297Karen LongMI11/13/2014 11:56 AM
Tired of being the fall guy for poor lending decisions and leadership
2296Teri DoscherNY11/13/2014 11:53 AM
2295Joseph MierLA11/13/2014 11:49 AM
This only makes sense as we are the ones that have supplied and would use this data to make our reports stronger.
2294Dan FalliauxCO11/13/2014 11:47 AM
2293Dyana MorganKS11/13/2014 11:47 AM
2292David HesidenzPA11/13/2014 11:47 AM
Since the data came from appraisers through their own individual efforts, time, cost and intellect, I'm hoping this information would be sent back to the appraiser without any further fees.
2291Michele CookFL11/13/2014 11:46 AM
2290Matthew BoxbergerCA11/13/2014 11:44 AM
This absolutely sounds like a 'win-win' - utilizing the previous research and conclusions of multiple appraisers in a market to provide benchmarks and guidance for new appraisals going forward. Greater public confidence in our work, and greater assurances of "proactive" quality control would be immediate benefits.
2289Nicole KumpelisMI11/13/2014 11:42 AM
2288Gina BuchheimCA11/13/2014 11:42 AM
It is important for appraisers to have access to as much information as possible.
2287Jeanne HesidenzPA11/13/2014 11:41 AM
2286Andrea WhiteMI11/13/2014 11:41 AM
2285Richard HardyHI11/13/2014 11:41 AM
Not only should this information be made available to the appraisers who created it, it should be MANDATORY! If the GSE's want Good Quality Appraisals, why not provide the appraiser with the appropriate tools?
2284Michael CascardoMI11/13/2014 11:40 AM
2283Jane SperrHI11/13/2014 11:40 AM
2282Suzanne PuckettTX11/13/2014 11:39 AM
2281David LaufmanNY11/13/2014 11:39 AM
2280John BullardNC11/13/2014 11:37 AM
2279Christina SchultzMI11/13/2014 11:37 AM
2278Clint RandolphAL11/13/2014 11:35 AM
2277David SimmonsSC11/13/2014 11:34 AM
2276R Paul BrownellCA11/13/2014 11:31 AM
I cannot believe the short-sightedness of the GSE's. This is our appraisal data that we provide. We need to have free access to it - up front. IF the CU tool WORKS... it can help us provide a better quality product to the lenders; can reduce errors & red flags; reduce review times; streamline the loan process and increase confidence levels in our value conclusions. SO, who's behind this legislating common sense away... in the first place?
2275Steven EllisID11/13/2014 11:31 AM
We as appraisers have supplied all the data to Fannie & Freddie and now they will not make that data available to us and want to use it against us. Just another reason this profession is so unappealing to anyone who wants to consider this as a career. Makes no sense, very disappointing.
2274Kenneth RattetCT11/13/2014 11:31 AM
Allowing access to this data is very important. Fannie Mae, Freddie, etc are going to allowed to sell this data to others but the appraisers have no access. Crazy.
2273John WilliamsMI11/13/2014 11:30 AM
It is important for any appraiser to have all the information that is available. I support access.
2272Kenneth RossmanFL11/13/2014 11:27 AM
2271Don BeebeNV11/13/2014 11:26 AM
This Collateral Underwriter (CU)needs to be provided to the appraiser(s) at the beginning of the appraisal process... ensuring supporting transparency and improving the reporting process by reducing risk to lender(s)after posting the completed appraisal. Truly, don beebe beebster1@lvcoxmail.com
2270John WIL11/13/2014 11:26 AM
2269Barney WisdomWA11/13/2014 11:25 AM
I agree with and join in the above efforts to provide appraisers the above access.
2268David MillerMI11/13/2014 11:24 AM
2267Donna ListMI11/13/2014 11:21 AM
2266Michael OstrowskiMO11/13/2014 11:19 AM
2265Juliana HomsteadVA11/13/2014 11:19 AM
I believe that providing this data to appraisers will helps us do our jobs better and is the only fair and reasonable thing to do.
2264Mark NagyCA11/13/2014 11:19 AM
2263Heather RosenlofCA11/13/2014 11:18 AM
2262Jennifer EllenaIL11/13/2014 11:17 AM
2261Richard AppelDE11/13/2014 11:16 AM
Making appraisal data available to appraisers is common sense.
2260Christopher VirtueCA11/13/2014 11:12 AM
Making appraisal data available to appraisers is common sense.
2259Jeff FiskOH11/13/2014 11:08 AM
2258Gregg BrownFL11/13/2014 11:08 AM
How sublime...Fannie Mae and Freddie Mac aggregate data, which is supplied by appraisers, and provides this to lenders who will (guess what) use it against appraisers! And here we are...(the appraisers), asking for access to our own data. Amazing.
2257Bruce GrableCA11/13/2014 11:07 AM
2256scott johnsonKY11/13/2014 11:04 AM
2255Chris NeuswangerCO11/13/2014 11:03 AM
Without transparency as to how decisions are made this program has no accountability (and lacking that, eventually no credibility). It also allows the agencies unlimited opportunities to change the rules in the middle of the game as to what constitutes an acceptable appraisal. This also raises questions about the ability to assess unique market situations and may contradict solid decisions made by the appraiser based upon his direct knowledge of local market conditions. While lenders may (or may not) be allowed to manually override recommendations the reality is few will because doing so would open a automatic liability for the lender making the decision. PIW's were once fairly common, the agencies got rid of most PIW's for the simple reason they didn't work. This appears to be an enhanced version of PIW technology and little more than a grand experiment to overrule human judgment that may well meet the same fate.
2254Dianne RossVA11/13/2014 11:02 AM
2253Brian ClementsCA11/13/2014 11:00 AM
Share all the data. When there is more than a 5% variance, the supporting commentary also needs to be disclosed.
2252Jacqueline CullatherMD11/13/2014 10:59 AM
2251Richard ValasekOR11/13/2014 10:58 AM
2250Carol HowellUT11/13/2014 10:57 AM
Once again the issues with the industry are being dumped on the back of the appraiser. But keys to the solution are being withheld.
2249Michael RadfordNC11/13/2014 10:56 AM
2248Mark ZimmermanOH11/13/2014 10:54 AM
2247lee dombrowskiNJ11/13/2014 10:53 AM
give us a break!
2246Terrel ShieldsAR11/13/2014 10:53 AM
2245Thomas ByrneNY11/13/2014 10:50 AM
2244Orville M KelleyMN11/13/2014 10:50 AM
Yes I want access.
2243Janine DeNardoIL11/13/2014 10:49 AM
2242Ken OdenheimNM11/13/2014 10:48 AM
Makes total sense! Do it!
2241Bradley JonesIN11/13/2014 10:48 AM
2240Michael Moss, JrGA11/13/2014 10:47 AM
2239Gary WhaleyCA11/13/2014 10:46 AM
I believe withholding relevant data from the appraiser could lead up to and cause a misleading appraisal report violating USPAP, among other things. Also, I am at a loss as to why intellectual property provided by appraisers are not being shared with appraisers to better serve the public and preserve the integrity of the appraisal process.
2238David SalomFL11/13/2014 10:46 AM
This information is property of the professional Appraiser community and must be accessible to promote consistency and transparency to the field as technology allows.
2237Richard BradenOK11/13/2014 10:46 AM
2236Thomas PeevlerAZ11/13/2014 10:45 AM
If we are to provide accurate appraisals it is only fair that we are allowed to have accurate data with which to complete them. Giving us access to the data we have provided only seems like a plus for all parties involved in the appraisal process.
2235Joseph DanielsFL11/13/2014 10:45 AM
2234Viviana GaudierPA11/13/2014 10:41 AM
2233Cortney B. StrotherMI11/13/2014 10:40 AM
The GSE's have mandated that all appraisals be submitted in the UAD format, and GSE's need to provide appraisers access to this reporting data as used by the GSEs ... especially considering the fact that appraiser's are the ones who supplied the data in the first place. If the GSE's see fit to not provide this data (for free by the way ... after all it is our intellectual property), then the writing on the wall should be clear to every appraiser that our profession is in process of being systematically eliminated. Consider this folks, if only 20% of us took the time to copyright our work in bulk at the end of every year, it would throw of this type of AVM data mining because the results would be unreliable. The liability these entities would face if they chose to use copyrighted material would be huge, which would most likely change the way these entities do business ... just something to think about.
2232Kenneth CregerOK11/13/2014 10:39 AM
2231Debra CromerCO11/13/2014 10:38 AM
2230Bruce FitzsimonsCO11/13/2014 10:38 AM
2229Helen GraceFL11/13/2014 10:38 AM
If this information is provided by appraisers and you are permitting lenders to access it, it behooves you to allow appraisers access to it as well.
2228Shannon HamiltonWA11/13/2014 10:37 AM
2227Robert BlakeVA11/13/2014 10:36 AM
2226Shannon HamiltonWA11/13/2014 10:36 AM
2225Darrell WillefordAL11/13/2014 10:36 AM
2224Melinda EppolitoPA11/13/2014 10:36 AM
2223Darrell WillefordAL11/13/2014 10:36 AM
2222John DeWittLA11/13/2014 10:35 AM
Louisiana Certified Residential Appraiser License Number: R416 42 years serving Calcasieu Parish, Louisiana URL: www.johndewittappraiser.com Phone: 337-474-3594 Fax: 337-474-9155
2221Brent DavisMI11/13/2014 10:34 AM
2220James MurphyDC11/13/2014 10:33 AM
2219Patrick WilliamsMI11/13/2014 10:33 AM
If we are to provide accurate appraisals it is only fair that we are allowed to have accurate data with which to complete them. Giving us access to the data we have provided only seems like a plus for all parties involved in the appraisal process.
2218Diane LagrouOH11/13/2014 10:30 AM
2217Robert KrupitzerOH11/13/2014 10:30 AM
They are looking for the perfect appraisal. Sorry, it doesn't exist.
2216Jeffrey BeyerNV11/13/2014 10:29 AM
I like the idea of having access to this data. We all feel like we need as much data as we can get our hands on. It makes sense that we should have this access to help in producing a better report.
2215Rhonda WardTX11/13/2014 10:28 AM
I am still wondering how they are going to legally allow comparable information from Texas, since Texas is a non-disclosure state. Maybe all the Texas appraisers and others from non-disclosure states need to get together and form a class action against Fannie Mae. Just a thought.
2214Peter LoGrassoMA11/13/2014 10:27 AM
2213Darrell CummingsIN11/13/2014 10:27 AM
2212David ChoyCA11/13/2014 10:27 AM
2211Darrell CummingsIN11/13/2014 10:26 AM
2210Melody RhinehartVA11/13/2014 10:26 AM
Really like the comments and especially #37 and #130. Why does the Multiple Listing Services allow Realtors to not put square footage or proper data into the system. It is a total manipulation of the system. Have had Realtors tell me they do not know how to measure a house? Then how do you call yourself a professional? How about the new construction builders who will only put their "high" settled properties into the MRIS but will not put the "lower" sales in? What about these people??
2209Teri FisherWA11/13/2014 10:26 AM
2208HUgh FleischmannMD11/13/2014 10:25 AM
2207william gaydosOH11/13/2014 10:24 AM
2206Dennis HuberND11/13/2014 10:24 AM
Transparency prevents misuse and enhances the reliability of the analysis.
2205GUY HALLCA11/13/2014 10:24 AM
2204Sylvia G StormFL11/13/2014 10:23 AM
The GSE's have mandated that all appraisals be submitted in the UAD format, and GSE's need to provide appraisers access to this reporting data as used by the GSEs.
2203John FergusTN11/13/2014 10:23 AM
Thank you.
2202Gary WalkerWA11/13/2014 10:22 AM
2201Karl BohnhoffMI11/13/2014 10:22 AM
2200Nuno VieiraCA11/13/2014 10:19 AM
The GSE's have mandated that all appraisals be submitted in the UAD format, and GSE's need to provide appraisers access to this reporting data as used by the GSEs.
2199Shari PetermanFL11/13/2014 10:18 AM
2198Robert LambertCA11/13/2014 10:16 AM
2197Tom WagnerTX11/13/2014 10:16 AM
2196Robert RodriguezCA11/13/2014 10:15 AM
2195LuAnne LarsonWI11/13/2014 10:13 AM
It only makes sense that appraisers know what the results of this information are to better educate ourselves and in order to produce better reports!
2194Osborne BeallDE11/13/2014 10:11 AM
2193Sharon KoshiolWI11/13/2014 10:09 AM
Appraising in a rural area this data could only benefit us to provide more accurate valuations.
2192Christopher DavioMI11/13/2014 10:09 AM
Making the data available to appraisers only makes sense if, that is, the stated goall is to provide uniformity of property data. It should not only be shared but data review should be an essencial part of the analysis!
2191Robin HydingerCA11/13/2014 10:08 AM
2190Desiree MehbodVA11/13/2014 10:08 AM
2189Sarah DeversSC11/13/2014 10:07 AM
I am certified in SC & NC.
2188Joe ShucartMO11/13/2014 10:06 AM
2187Elmar BarothCO11/13/2014 10:06 AM
2186Tom RigginsNV11/13/2014 10:05 AM
2185Linda LibbeyNM11/13/2014 10:02 AM
2184Marlon SheridanGA11/13/2014 10:02 AM
2183Barbara MooreCO11/13/2014 9:59 AM
2182Alan La ValleIL11/13/2014 9:59 AM
2181Janet AbakuksAZ11/13/2014 9:58 AM
2180Eugene GogolinskiMD11/13/2014 9:58 AM
2179Paula ClarkVA11/13/2014 9:58 AM
2178Zachary NopeUT11/13/2014 9:57 AM
2177Arthur RuppeNC11/13/2014 9:57 AM
2176Kimberly TraynorMO11/13/2014 9:56 AM
2175Elizabeth SiggOH11/13/2014 9:55 AM
2174Michael BroadbentUT11/13/2014 9:54 AM
2173Michael BroadbentUT11/13/2014 9:53 AM
2172Jill NormandinMI11/13/2014 9:52 AM
2171Sara Janik SerratoreIL11/13/2014 9:52 AM
2170Alan BrownVA11/13/2014 9:51 AM
Please provide access to this information to appraisers.
2169Timothy NortonMT11/13/2014 9:51 AM
One of the largest obstacles that appraisers face when performing an appraisal is the limited availability of data. Montana is a non-disclosure state, 1 of 11, and several market areas are rural by industry standards, a lack of sales data is prevalent and it is typical that older sales or those that have to be adjusted beyond recommended guidelines are the only sales available. If UAD data was available to appraisers, appraisals would be more reliable and reflect a better consistency, this would benefit everyone.
2168Tom ArmstrongMI11/13/2014 9:50 AM
2167Chris PerdueGA11/13/2014 9:50 AM
Data is king and the more we appraisers (and realtors) have the better we will be at doing our job. I would like access to as much data as I can get my hands on. I'll even purchase it if you allow that!!
2166Frank Vander WallWA11/13/2014 9:50 AM
2165Alan BrownVA11/13/2014 9:50 AM
2164Kris TatterOH11/13/2014 9:50 AM
2163Alan BrownVA11/13/2014 9:49 AM
Please make this available to appraisers.
2162Bradley BirdLA11/13/2014 9:49 AM
The more data the appraiser has access to, the more informed he/she will be, in turn, improving the quality of the appraisal.
2161William HarbaughMD11/13/2014 9:48 AM
2160Michael R. Crowley JrIL11/13/2014 9:46 AM
This is data provided by appraisers. Having access to and the ability to utilize this data can give the appraiser the opportunity to produce stronger appraisals. I fail to see why anyone would be against this.
2159Brent BealeOH11/13/2014 9:46 AM
2158Michael ZettlemoyerPA11/13/2014 9:45 AM
2157Cindy AlbaughPA11/13/2014 9:45 AM
I totally agree that there are so many inconsistencies between Tax Assessors, Realtors and Appraisers data. If you want to improve the accuracy of the whole system, lets work together as a team to improve it. I don't think Fannie Mae should work with Lenders to remove appraisers from working before assisting them to have better data. I also don't think Fannie Mae understands how appraisers are RUSHED RUSHED RUSHED to complete appraisals by some companies and that can only result in "mistakes". We are asked to do more and more work for Fannie Mae with less time to complete at a lower fee. I think Fannie Mae should work to improve accuracy of all data systems and provide better data sources for the appraisers and also demand we have more time to complete all assignments at better fees. I also feel there is always confusion as to what Fannie Mae exactly wants from appraisers, WHY IS THAT FANNIE MAE????
2156Carmen BrocatoNJ11/13/2014 9:43 AM
2155Terre CarterKS11/13/2014 9:42 AM
2154Rick HartensteinLA11/13/2014 9:42 AM
We should have access to this information, it is in fact ours to begin with
2153Scott AirdOR11/13/2014 9:40 AM
2152Dana RoqueFL11/13/2014 9:40 AM
2151Caron MelvilleOR11/13/2014 9:36 AM
2150Sara WettawNC11/13/2014 9:35 AM
I don't understand why Fannie Mae would be working against us by not allowing us to access the data. It should be a two way street. Thanks, Sara
2149Marc MadisonCA11/13/2014 9:35 AM
2148Dennis Outlaw SC11/13/2014 9:35 AM
The Fannie Mae form and especially the UAD forms are designed for cookie cutter dwellings in large cities. In a rural environment Fannie Mae needs to amend the guidelines. It is impossible to meet the requirements due to the distance, lack of sales and diversity of properties. Yet underwriters have no clue about rural locations. It should also be mandatory that all underwriters be licensed before being allowed to review. What good is our license and training when we have unlicensed individuals who are not qualified to appraise review and require changes? This entire industry is backwards right now and the changes make it worse not better. Strict guidelines may work in dreamland but not in the real world.
2147Ingrid RuizNC11/13/2014 9:33 AM
2146Willis HallKY11/13/2014 9:31 AM
2145Charlie RobinsonFL11/13/2014 9:31 AM
2144Sheldon WicklanderWA11/13/2014 9:30 AM
This is a good thing for everyone.
2143Kenneth HarmanCO11/13/2014 9:29 AM
2142David BeloteVA11/13/2014 9:25 AM
Please allow us to do our jobs more efficiently & better serve the public's needs by allowing Appraisers access to UCDP data.
2141Joyce KellyCA11/13/2014 9:25 AM
2140Doug WalkerOH11/13/2014 9:23 AM
To protect the public trust and promote reliability of appraisals, it is imperative that this data be made to appraisers at the start of the appraisal process.
2139Alvin HollmanFL11/13/2014 9:19 AM
2138Howard BabcockMI11/13/2014 9:19 AM
Access to the data would benefit the appraisal profession.
2137JOHN PIRTLESC11/13/2014 9:19 AM
2136Courtney BallardOK11/13/2014 9:18 AM
Since we are the one's ultimately providing this data for them to use, we should have the ability to access this data as well. Providing another way for an appraiser to have supplementary data and information would assist us in our day to day jobs, insuring an even more accurate resulting appraisal. Excluding the appraiser from accessing the data that is generated by the appraiser is frankly ridiculous. It appears that the entire process, as is, is railroading appraisers and creates an environment where appraisers will constantly be worried that their data doesn't "match up" to what's previously been reported - we need to be able to recondile variances that have previously been reported.
2135Leonard BurstMO11/13/2014 9:17 AM
I helped provide this information; I want to be party to it's future use. Other wise it is no better than stealing from the appraiser's and it would hurt the overall honesty and integrity of the system.
2134Hal SheldonMD11/13/2014 9:11 AM
2133Doranne GodwinCA11/13/2014 9:10 AM
2132Sidney BleeCA11/13/2014 9:08 AM
2131Andrew GallCA11/13/2014 9:07 AM
2130Robert MitchellVA11/13/2014 9:07 AM
In order to better serve the public who better to access this data then the appraisers who furnish it?
2129Carol-Sue AustinNC11/13/2014 9:05 AM
Please allow us to do our jobs, with all the information available!
2128Alan MillardMI11/13/2014 9:05 AM
2127Carolyn KraussAZ11/13/2014 9:01 AM
2126Ryan MillardMI11/13/2014 9:00 AM
2125Beatrice McCartyAL11/13/2014 9:00 AM
2124Kevin MitchellAL11/13/2014 8:57 AM
The data should be available to appraisers before the appraisal process begins. That way the information could be used help in the process. Because it appears that the information is only being used to "get" appraisers instead of helping the actual appraisal process.
2123Michael MeadTN11/13/2014 8:55 AM
I would like access to the data that I provided through the Uniform Appraisal Dataset (UAD).
2122George SuttonGA11/13/2014 8:55 AM
2121Joseph BrimeyerCO11/13/2014 8:54 AM
2120C. Bruce MacklinCA11/13/2014 8:54 AM
Let's lay all the cards on the table. Setting aside the question of whether privacy issues were breached in creating this database; Now that it exists, its "Highest and Best Use" would be to provide appraisers with another tool that could be used to do their job better.
2119Jeffrey BassGA11/13/2014 8:52 AM
2118Lane GreerND11/13/2014 8:51 AM
2117Justin SchroederIA11/13/2014 8:51 AM
2116Edwin DietzTX11/13/2014 8:51 AM
2115Kurt SchmerbergMI11/13/2014 8:49 AM
2114Brian HarrelsonSC11/13/2014 8:48 AM
2113Edwin Hunter DietzTX11/13/2014 8:48 AM
2112Sherri CoxGA11/13/2014 8:48 AM
2111James TurnerOR11/13/2014 8:46 AM
Duh, no brainer. But the only real reason for the collection, as we all knew when the program began, was to eliminate the damned appraiser from the process. No more worrying about whether the appraiser is going to "make the value". What BS it all is - started in this god-forsaken industry in 1983.
2110MICHAEL CURRANNC11/13/2014 8:46 AM
2109Robert ReidCA11/13/2014 8:46 AM
2108Jennifer DietzIN11/13/2014 8:45 AM
2107Paricia LucasME11/13/2014 8:45 AM
2106Chris BakerCA11/13/2014 8:45 AM
GSE's should be held to the same freedom of information standards as government agencies.
2105Michael MarinoDE11/13/2014 8:44 AM
2104Travis FunkIL11/13/2014 8:43 AM
2103Lori MercierMI11/13/2014 8:43 AM
2102Richard JaegerWI11/13/2014 8:42 AM
2101Constance WarnerIL11/13/2014 8:42 AM
2100Peter GailitisMA11/13/2014 8:41 AM
2099Tiffany SprenkelCA11/13/2014 8:41 AM
2098Michael CooperCA11/13/2014 8:40 AM
2097Sibyl DanceFL11/13/2014 8:38 AM
2096Delfina MarquezCA11/13/2014 8:38 AM
Since when is information not valuable to everyone. Any and all data is helpful and ultimately should help the process.
2095Larry FranksPA11/13/2014 8:38 AM
2094Paul McNaughtUT11/13/2014 8:37 AM
2093Mary DwanFL11/13/2014 8:36 AM
2092Richard FerraroneNY11/13/2014 8:34 AM
Since when is information not valuable to everyone. Any and all data is helpful and ultimately should help the process.
2091Alan BalladaresLA11/13/2014 8:34 AM
2090Leslie DeCiccoCA11/13/2014 8:33 AM
Appraiser access to the UAD data would benefit and improve the appraisal profession and process.
2089Julie ZerkelMO11/13/2014 8:33 AM
2088Carol AdamsMD11/13/2014 8:32 AM
2087Karl WiselogelFL11/13/2014 8:32 AM
2086Shonda Leighty-WalkerWI11/13/2014 8:31 AM
2085Jim WidemanMI11/13/2014 8:30 AM
2084Gabriel PinchinsonNJ11/13/2014 8:29 AM
2083Joseph MasinNJ11/13/2014 8:28 AM
2082Joseph MasinNJ11/13/2014 8:27 AM
2081John WilliamsIL11/13/2014 8:26 AM
2080Robert BundySC11/13/2014 8:22 AM
By providing this information to appraisers we will have more data to provide the best report possible. Thank you.
2079Michele BatesAZ11/13/2014 8:21 AM
2078Robert WenzelAZ11/13/2014 8:19 AM
2077MICHAEL JOHNSONTN11/13/2014 8:18 AM
2076Nina VanLeeuwenIN11/13/2014 8:18 AM
This could add in the accuracy of the appraisal and the appraisal process.
2075Doug MaxheimerGA11/13/2014 8:18 AM
2074John WilliamsGA11/13/2014 8:17 AM
2073Shawn GaumondNH11/13/2014 8:16 AM
2072Cristy ConollyFL11/13/2014 8:16 AM
2071Nathan SchwarzND11/13/2014 8:16 AM
2070Edward MasseyNC11/13/2014 8:16 AM
Appraiser access should be available as a helpful tool in providing quality appraisals. Positive aspects of access clearly outweigh any negative. Please remember the goal is to have better appraisals.
2069Oscar HayesGA11/13/2014 8:13 AM
Everyone blames the appraisal industry for the demise of mortgage industry. The persons coming up with all the regulations for appraisal industry should look at the loans that was made to persons that that should not have been made. The mortgage industry was open up and credit standards was loosen to assist people to buy houses that otherwise could not qualify. Down payments were integrated into the loan and persons were getting onto a house with no investment. Nothing has ever been said about bad loan judgment. Fannie Mae is as much at fault as anyone, by purchasing mortgages without reviewing. Instead of putting the fault on the appraisal industry, regulations should be placed of the mortgage industry. THAT IS LIKE CLOSING THE BARN DOOR AFTER THE HORSE HAS GOTTEN OUT. Until regulations are in place to control the mortgage industry including Fannie Mae and etal the same situation is going to happen again in the future. How about putting the blame where it belongs and it is not he appraisal industry.
2068Dina HarrisIL11/13/2014 8:13 AM
2067Julia FletcherMI11/13/2014 8:13 AM
2066Kristi D CoxTN11/13/2014 8:11 AM
2065michael martinAZ11/13/2014 8:11 AM
providing this data can only improve the quality of appraisals.
2064JAY HERCZEGMI11/13/2014 8:09 AM
Government agency(s) needs to write a law for realtors that they disclose ALL CORRECT information about the property including current photos. Currently they are not responsible for listing the correct square footage when they KNOW it is incorrect! Additional data would be very useful, since the appraiser would measure the subject property. FNMA does not disclose the appraiser square footage when listing an REO for re-sale? Square footage matters in the valuation process.
2063Jose UrracaTX11/13/2014 8:09 AM
Appraisers should be allowed access to data they provided through the UAD. This will improve the appraisal process.
2062Byron DameNC11/13/2014 8:09 AM
Having access to this data will also allow appraisers to have unbiased condition and quality data, reliable GLA and basement data, instead of unreliable MLS and Assessor data.
2061Claudia DarrowNH11/13/2014 8:08 AM
2060JAY HERCZEGIN11/13/2014 8:08 AM
Government agency(s) needs to write a law for realtor(s) that they disclose ALL CORRECT information about the property including current photos. Currently they are not responsible for listing the correct square footage when they KNOW it is incorrect! Additional data would be very useful, since the appraiser would measure the subject property. FNMA does not disclose the appraiser square footage when listing an REO for re-sale? Square footage matters in the valuation process.
2059John BeitzelPA11/13/2014 8:08 AM
This should be a no brainer to let us use the data. It is our data collected from our reports. Why is it that appraisers are the only professionals in the process that cannot make use of this information to produce better reports and reduce collateral risks? Duh???
2058Lynette PoeMO11/13/2014 8:06 AM
2057Debbie ObertFL11/13/2014 8:04 AM
2056Matthew FeathersWV11/13/2014 8:04 AM
2055Scott GrayMD11/13/2014 8:03 AM
If you wish to mine my data, at allow my access to the same data.
2054Charles BernardOH11/13/2014 8:01 AM
This data should be available to all parties with a vested interest.
2053Brian PlattUT11/13/2014 8:01 AM
2052Stephen LinsdaySC11/13/2014 8:00 AM
2051Jose TaverasNJ11/13/2014 8:00 AM
The more information we have when performing the appraisal the more accurate product we can provide. And better quality appraisals mean less problems and loses for everyone. We should be entitled to have access to the data and without additional costs as we are already loosing out enough sharing our fees with AMCs....Everyone at the top is worried and expecting us to provide higher quality work, yet for some reason none of those worried seem to be trying to do anything meaningful so that we are compensated adequately.
2050Karen BesanceneyPA11/13/2014 7:58 AM
I am concerned as a rural area appraisal that you have taken what I need to come up with a value and turned it into a information for a computer and not a realistic tool for my needs as an appraiser. I compare different house and have limited inventory that I get from assorted sources wit real estate agents known for changing data in mid stream. the Condition area if it had followed Marshall and Swift with a larger variety of conditions, would make decisions for my comparables easier. I always have my scope of work supporting my current information. I understand what you area trying to do. A house changes day to day hour to hour which is why you need Appraisers. Each comparable is looked at as it compares to the subject even though it is adjusted against the other inventory. I also do not understand why we do not have access to this inventory to arrive at the best opinion of value. As I have said I have to use multiple sources, some areas have 3 MLS now where they used to be private Real Estate offices with sold books.
2049Michael SmithPA11/13/2014 7:58 AM
2048Gina DiRoccoMA11/13/2014 7:58 AM
2047Jason CraftGA11/13/2014 7:58 AM
2046Eileen HaleyNC11/13/2014 7:57 AM
2045tim EaganNY11/13/2014 7:57 AM
2044Ronald MartinNC11/13/2014 7:56 AM
It is my professional opinion that we as appraisers should have access to this tool from the start. We are held to high standards and educational requirements and should be allowed access to any and all tools which would help facilitate the profession.
2043Debra BochonPA11/13/2014 7:56 AM
2042Daniel LainoIL11/13/2014 7:55 AM
2041Rick SteinhoferWI11/13/2014 7:55 AM
2040Nye SchwartzFL11/13/2014 7:54 AM
2039Andrea ByrneMI11/13/2014 7:53 AM
2038Nancy CastroIL11/13/2014 7:53 AM
2037Cynthia SulamoCA11/13/2014 7:52 AM
If this information is deemed critical by the GSE's then it is imperative it be given to the professionals, ie appraisers, at the leading edge of the process. To not provide appraisers with any tool that is deemed of critical importance would be negligent to the public.
2036Pamela ReeseWV11/13/2014 7:51 AM
2035Teresa GibbsAZ11/13/2014 7:49 AM
Having access to past information from other professionals in the field about the houses we are appraising makes sense but that collection of data shouldn't be used to tell appraisers they got it "wrong"; but rather to collaborate and let us know their perspective on it so we can learn and grow in this ever changing world of excess data and technology together.
2034Stephanie FosterNC11/13/2014 7:49 AM
2033Eric VanderWaalWA11/13/2014 7:49 AM
2032Patrick BrooksAZ11/13/2014 7:47 AM
Critical data that should be provided to all vested parties.
2031Sharon MonsenTX11/13/2014 7:46 AM
Please allow appraisers access to the data for the Collateral Underwriter
2030William NicholsOH11/13/2014 7:46 AM
2029Jennifer SnyderMD11/13/2014 7:44 AM
2028Mary BodratoNJ11/13/2014 7:42 AM
2027Mary BodratoNJ11/13/2014 7:42 AM
2026susannah traywickSC11/13/2014 7:41 AM
Many rural sales are "By Owner" and this data would be a tremendous help to appraisers and result in stronger reports.
2025Kara SedlakFL11/13/2014 7:40 AM
2024Marta StoefflerNJ11/13/2014 7:40 AM
HELLO!!!!!????? This "profession" has been destroyed. And maybe, JUST MAYBE we will have access to this VITAL information BUT for a fee. Just add it on top of ALL your other pertinent fees to work; Doesn't leave much. What's after this?
2023Tim FogertyWA11/13/2014 7:37 AM
2022Michele WrightFL11/13/2014 7:36 AM
2021Ronald SmithNM11/13/2014 7:36 AM
We need this data to do a better job. Especially in the more rural areas and in non disclosure states where less data is available. If we are going to be held responsible for meeting the requirements that it is used to develop then it is only right that we have access to the data.
2020Sharon SchoolmeestersWI11/13/2014 7:36 AM
2019Leigh McKinnonGA11/13/2014 7:35 AM
2018Richard RobeyFL11/13/2014 7:35 AM
2017Cindy HigginbothamMA11/13/2014 7:35 AM
2016Richard BarnesNC11/13/2014 7:33 AM
2015W. Bruce WilkieNE11/13/2014 7:32 AM
2014Gerald SeiberthFL11/13/2014 7:31 AM
Will be an interesting item to watch, as I was wondering what they were going to do with this information, since most would consider at least some was confidential.
2013Ann CiardelliOH11/13/2014 7:31 AM
2012Thomas HartleyGA11/13/2014 7:31 AM
Typical government mindset: Use the mushroom theory.
2011Debra BoschPA11/13/2014 7:31 AM
2010Richard FoleyMD11/13/2014 7:29 AM
2009William StillwagonSC11/13/2014 7:28 AM
2008Joel PerryNE11/13/2014 7:25 AM
2007Gregory BarnetteMI11/13/2014 7:23 AM
2006JAMES GRANERMO11/13/2014 7:23 AM
This will do well to achieve your stated goal of consistency.
2005Mark SearlesME11/13/2014 7:21 AM
2004Tara WrightFL11/13/2014 7:21 AM
2003JOHN NICHOLSONIN11/13/2014 7:20 AM
2002Gerard CalongneLA11/13/2014 7:20 AM
2001Mark JohnsonMD11/13/2014 7:20 AM
2000Jill KinnairdOH11/13/2014 7:18 AM
Perhaps this could assist with determining the accuracy of data utilized not only with appraisals but auditor/recorder/etc information as well.
1999Christopher StewartIL11/13/2014 7:17 AM
1998Herbert CurryMD11/13/2014 7:16 AM
1997Thomas LinsinKS11/13/2014 7:14 AM
1996Michael GrayOK11/13/2014 7:14 AM
Data is just as important to us
1995John GurganusAL11/13/2014 7:13 AM
1994COLEEN MORRISONMD11/13/2014 7:12 AM
Transparency has been the "magic" word for us over the past 5 years and now, with our data, they don't want to share. It seems to be one-sided when it comes to the GSE's.
1993Jack BoylesCT11/13/2014 7:12 AM
Equal transparency for all stakeholders please!
1992Teddie ZinkNC11/13/2014 7:11 AM
1991Richard SchreepPA11/13/2014 7:10 AM
1990Joy ColeTX11/13/2014 7:10 AM
I agree that appraisers should have access to this information as well since we are the ones who provided the data.
1989Jerry CurrieWI11/13/2014 7:10 AM
1988Judith LeachPA11/13/2014 7:09 AM
1987Michael OrrMI11/13/2014 7:09 AM
1986David BramuchiFL11/13/2014 7:09 AM
1985Scott DiPietroPA11/13/2014 7:08 AM
1984David BarrasasIN11/13/2014 7:08 AM
1983Linda BestKY11/13/2014 7:08 AM
1982Daniel ConawayFL11/13/2014 7:07 AM
1981Alan HuettnerIN11/13/2014 7:07 AM
1980Robert JonesTX11/13/2014 7:07 AM
Give us the data!!!
1979Ellen HassellNJ11/13/2014 7:04 AM
1978Robert SchwartzFL11/13/2014 7:03 AM
Everybody in the industry wants transparency, however, the GSE's want to keep us in the dark. This make absolutely no sense at all.
1977Jeff KrimpleKY11/13/2014 7:02 AM
1976Randy CohenNJ11/13/2014 7:01 AM
1975Daniel JohnsonMI11/13/2014 7:01 AM
1974Alana WilsonIL11/13/2014 7:01 AM
1973Christopher HeinzerlingWI11/13/2014 7:01 AM
1972R. Gregg MitchellNE11/13/2014 6:57 AM
General Certified Appraiser Credentialled in Nebraska and in Iowa.
1971William MooresFL11/13/2014 6:57 AM
1970Christine CastroMI11/13/2014 6:55 AM
1969Jon J. MeyersOH11/13/2014 6:55 AM
1968Lonnie HewardMI11/13/2014 6:53 AM
If this information is being used to "grade us" and it is available to the lenders it should be available to the appraisers also.
1967Roger L. WhittleseyMA11/13/2014 6:51 AM
1966RD DurhamTX11/13/2014 6:51 AM
We work hard to verify and use accurate data. My hard work is copyrighted.
1965Karl BabcockMA11/13/2014 6:50 AM
1964William DebsMA11/13/2014 6:50 AM
1963John TaftMI11/13/2014 6:50 AM
1962Jerry HelmVA11/13/2014 6:48 AM
1961Charles SwansonMI11/13/2014 6:46 AM
1960Arthur KasperNY11/13/2014 6:45 AM
1959Robert FarleyME11/13/2014 6:43 AM
1958Frank D. FloresTX11/13/2014 6:42 AM
1957Frank D. FloresTX11/13/2014 6:41 AM
1956Mary Ann WrightMI11/13/2014 6:40 AM
Appraisers are only trying to do the best job possible and in every direction we are being "blocked" or set up to fail. What possible reason could you have to block the very people who have provided this information other than trying to further push us out of an industry that we have worked so hard to stay in and make credible. Please make this information available to us and please work with us instead of against us.
1955Perry ReisertKY11/13/2014 6:39 AM
1954John DenmarkFL11/13/2014 6:38 AM
1953Julie HewardMI11/13/2014 6:38 AM
1952C. Brett SpauldingTN11/13/2014 6:37 AM
Transparency, transparency, and transparency!!
1951Richard MitchellME11/13/2014 6:34 AM
1950Robert MillerNC11/13/2014 6:32 AM
1949Randall GrinsteadCA11/13/2014 6:30 AM
1948victoria gillNJ11/13/2014 6:27 AM
1947peter mcguirkNY11/13/2014 6:26 AM
1946Gayle WoodumTX11/13/2014 6:26 AM
The denial of information that could improve the appraisal process is beyond understanding. Data should be available to all.
1945Paul HarrisNJ11/13/2014 6:26 AM
This is the data being provided for clients appraisals by appraisers, this information should be made public to the people who are providing the service, the appraisers.
1944Hammond BowermanMD11/13/2014 6:26 AM
1943Marcella RodgersFL11/13/2014 6:25 AM
The GSEs have established a set of criteria for appraisers using our own information, yet refuse to share the data that would help us to comply. It's like buying the gun for the person who intends to shoot you.
1942Kevin MuhammadTX11/13/2014 6:22 AM
1941craig bakerTX11/13/2014 6:19 AM
1940MARVIN COLEMANNC11/13/2014 6:19 AM
1939Janet WatsonNJ11/13/2014 6:18 AM
Why wouldn't this information be available to the appraisers ? After all, we the reason you have this data to begin with.
1938Nathan MorrisAZ11/13/2014 6:18 AM
1937Ronnie FlowersOK11/13/2014 6:18 AM
Why not may the Collateral Underwriting module available to appraisers?
1936Kathleen CroweOK11/13/2014 6:17 AM
1935Joel KirbyNE11/13/2014 6:12 AM
Appraisers are the very boots on the ground that gather this data. It is only right that as appraisers we have access to this data. It will create more transparency and will help prevent mistakes in the appraiser profession.
1934douglas thoresonOH11/13/2014 6:12 AM
why would you not share this data?
1933Frank CoppolinoPA11/13/2014 6:11 AM
1932douglas thoresonOH11/13/2014 6:11 AM
why would you not share this data?
1931douglas thoresonOH11/13/2014 6:09 AM
1930Lynn GalloFL11/13/2014 6:04 AM
1929Connell GriffinIL11/13/2014 6:04 AM
They need to stop treating appraisers like we're the problem.
1928Yevgeny GritsmanNJ11/13/2014 6:02 AM
1927Derrick CarbonCA11/13/2014 5:58 AM
1926Matthew MagdziarzIL11/13/2014 5:58 AM
1925Mark SkapinetzGA11/13/2014 5:55 AM
1924Scott HivnorOH11/13/2014 5:53 AM
1923Damianos GliatisVA11/13/2014 5:51 AM
Appraisers across the Nation collected importand data and provided all that information through UAD format. Fannie Mae's CU performs automated risk assessment of appraisals submitted to the UCDP based on the data "Appraisers" provided in the past. The GSE mandates that all appraisal are in a UAD format (not surprise there) and the data not to be available to Appraisers. So the GSE not only keeps that data away from the appraisers but also uses it against appraisers. Well, I guess it all makes sense why the CU will be available the first half of 2015. It is plenty of time to eliminate the appraisal profession. There will be few appraisers left the second half of 2015. Maybe I will sit out the first "half" of 2015 and watch the appraisal profession go down the tubes. At minimum i will protect my reputation and license number from so called "blacklist" and/or "do not use list" by Fannie Mae. I am with #28 Gregory Matson. Good luck and God bless!
1922Louise JeffersPA11/13/2014 5:47 AM
1921Mike HegerIN11/13/2014 5:40 AM
1920Paul SchwartzIN11/13/2014 5:37 AM
1919THOMAS MESSINANY11/13/2014 5:34 AM
1918Javier RancierPR11/13/2014 5:25 AM
1917Patricia KirkpatrickMS11/13/2014 5:21 AM
1916Mary MoserTX11/13/2014 5:18 AM
1915Joel FrostUT11/13/2014 5:10 AM
This information is going to be useful to all appraisers, and will instantly increase accuracy and validity of valuations. Please allow us to access the most current information available for valuation. This information serves the public trust.
1914Michael SmithMI11/13/2014 5:09 AM
1913Pat Turner VA11/13/2014 5:02 AM
How about compensation for our intellectual property?
1912Danny BordasCA11/13/2014 5:00 AM
I'd even be willing to pay a small fee, say $20 a month to have access to this data. Even more if there's a good software interface for searching and loading comps into our appraisal form report programs... Think about it, every licensed appraiser in the nation paying for access would see the GSE's not only solvent, but turning a profit too...
1911gary oakleyMA11/13/2014 4:54 AM
1910Gary HuntFL11/13/2014 4:43 AM
Since we all share the same goal,an accurate appraisal,sharing this information would be in everyone's interest.
1909William PenwellIN11/13/2014 4:42 AM
1908William PenwellIN11/13/2014 4:41 AM
1907William PenwellIN11/13/2014 4:40 AM
1906Barbara BerndtNJ11/13/2014 4:11 AM
how do you make a better product is you don't know what is considered to be incorrect.
1905Terrence P KellyCA11/13/2014 4:10 AM
The fair and just move by the GSE's would be to provide the data to us up front. It was gathered by the efforts of appraisers. Its really OUR data. Let us use it to provide better appraisals.
1904Antonio BagnaraNJ11/13/2014 2:22 AM
1903Gretchen EtzoldCA11/13/2014 2:17 AM
1902shahnaz sonboliCA11/13/2014 12:43 AM
I believe some of these rules & regulations are to scare away more & more appraisers out of the industry, and not necessarily tolls to produce more credible reports.
1901Steven AndersonFL11/13/2014 12:40 AM
1900Greg CrispinOR11/13/2014 12:33 AM
1899Robert BaughCA11/13/2014 12:20 AM
1898Charles KeimCA11/13/2014 12:14 AM
1897Ed LambertMD11/13/2014 12:09 AM
1896Dean SmithWI11/12/2014 11:46 PM
Fannie has been creating a box that they want to have appraisals fit into. Give us the box so we can figure out how to fit the appraisal into it. If the CU is made available to appraisers they can determine if the data is realistic and make the logical comments so that the completed appraisal will not be rejected by the computer program. It is only logical that the people creating the appraisals should have access to the data required to create the appraisal. In the end the CU is going to cause people who have no geographic competence or knowledge of the appraisal process to try and control what the appraiser does in order to fit appraisals in the box. I am sure I will have some 20 year old calling me up telling me which comps to use and what adjustments to make because the Great and Powerfull CU told them so.
1895bryan gartinCA11/12/2014 11:46 PM
1894Laura ZinkUT11/12/2014 11:28 PM
1893Daryl GoehringCO11/12/2014 11:18 PM
1892Joe UrbanPA11/12/2014 11:13 PM
1891Gregory MatsonCA11/12/2014 10:57 PM
I'm with #132 Clarence F. Schaub, we might as well be throwing spit balls at a battleship! I'm 66 and began in 1980, it was either become a Realtor or an Appraiser. I felt being an Appraiser was the way to go, independent and in charge of my destiny. I had hoped to work in my retirement but that's not going to happen now! With all the spare time I have now I am working toward another income stream and can only hope to leave the industry with my good name intact. I don't expect to be appraising this time next year. Sad to say so but good riddance to it and best of luck to those that remain. I too believe both the government and the financial sector will monopolize all of it and we will be standing there with our ***** in our hands wondering what happened? My only solace will be when they run the economy into the ground again and they will, THEY will have no one but themselves to blame for it because they killed the goose. Remember 11/19/2013 last year with JP Morgan and Chase got nailed for 13 billions and the suit for the million owed many apprasiers was thown out. Who else today noticed Chase and other Big Banks got nailed in some more skullduggery- Banks fined $4.3B in foreign exchange probe USA TODAY‎ - 13 hours ago traders attempted to manipulate the world's $5.3-trillion-a-day foreign exchange currency-trading market to boost trading profits. Read the rest of it here http://www.usatoday.com/story/money/business/2014/11/12/forex-investigation-settlements-announced/18885767/ They never learn, or learn too well that they are too big to fail and if they do the feds will get us to pony up the dough to bail them out again, what a deal for them. For me though, so long and thanks for all the fish! If you haven't read the "Hitchhikers Guide to the Galaxy" well just Google the line. Best of Luck to you all!
1890Shayne GreenLA11/12/2014 10:53 PM
1889James PurdyTX11/12/2014 10:42 PM
1888Lynne GardnerOR11/12/2014 10:22 PM
The more info an appraiser has, the better the appraisal product. Seems to me that's what Fannie Mae wants, as do appraisers. So sharing information is a no brainer!
1887Frank LeVerePA11/12/2014 10:21 PM
1886ALICE SPRINGERNM11/12/2014 10:11 PM
1885Milvi LaanCA11/12/2014 10:10 PM
1884Patricia WilsonFL11/12/2014 10:07 PM
1883Scott DillCO11/12/2014 10:07 PM
1882Linda BrownNV11/12/2014 9:58 PM
1881Mary Ann NeillTN11/12/2014 9:47 PM
1880Brooke PattersonAZ11/12/2014 9:46 PM
How is this even legal? Sharing information is a violation of confidentiality. Using the appraisals for data minding is NOT the intended use of the appraisals. In no way shape or form is this a legal use of OUR appraisals by ANYONE.
1879Karl SpanglerMD11/12/2014 9:41 PM
1878Patricia DebsMA11/12/2014 9:31 PM
1877Kathleen AlanMI11/12/2014 9:29 PM
1876Jane FosterLA11/12/2014 9:29 PM
1875TIMOTHY HANKSCA11/12/2014 9:29 PM
Review should be available to appraisers before appraisal is submitted to improve the quality of reports and transparency of the review process.
1874Howard BouchardWA11/12/2014 9:26 PM
Please pass the data-- back.
1873Deborah BurtTX11/12/2014 9:19 PM
1872Michael DacontiNJ11/12/2014 9:18 PM
more regulations less money.
1871Pamela PaulWI11/12/2014 9:17 PM
If appraisers could have equal information maybe we can all be on the same page.
1870David EatonCA11/12/2014 9:15 PM
Lets have some transparency unlike the current Administration in Washington.
1869Mary PawlakIL11/12/2014 9:03 PM
1868Patricia LeahyFL11/12/2014 9:02 PM
1867Coy DavisFL11/12/2014 9:01 PM
Why is it not being made available in the first place?
1866Lawrence TappaWI11/12/2014 9:01 PM
Any information published through this report needs to be shared with all appraisers
1865Terry BiesterfeldIL11/12/2014 8:45 PM
1864Gwen EllisTN11/12/2014 8:43 PM
1863Chris FullerTN11/12/2014 8:42 PM
1862Linwood GilbertFL11/12/2014 8:42 PM
1861Gerald EhlersWA11/12/2014 8:40 PM
1860Andrew WatsonAL11/12/2014 8:38 PM
Having a consistent report stacking order would help. At least we can all locate our rebuttals to the CU in the same place creating some efficiency
1859James ScrivensNH11/12/2014 8:34 PM
Never has an automated valuation product been anything but unreliable, especially in anything but sales rich developed areas, furthermore, prohibiting access to appraisers, the people who not only provided FNMA with the data to run the review algorithm, but the people whose work load will inevitably be increased (and fees driven upwards) by addressing issues brought up by this software, is inane.
1858Cheryl JonesCA11/12/2014 8:34 PM
1857Tim BrownCA11/12/2014 8:24 PM
1856Tim BrownCA11/12/2014 8:24 PM
1855Andrew Mantovani IINY11/12/2014 8:22 PM
1854Gary ThomasCO11/12/2014 8:21 PM
1853David CraskeIL11/12/2014 8:20 PM
1852Julius Baumgardt JrNY11/12/2014 8:18 PM
Appraisers need to be included and have access to this information.
1851Michael VogtMO11/12/2014 8:14 PM
1850Deborah FoutsAZ11/12/2014 8:09 PM
1849Douglas QuenzerWI11/12/2014 8:04 PM
1848William StricklandNC11/12/2014 8:03 PM
1847DEANNE SAABPA11/12/2014 8:02 PM
1846Tyson FinleyTX11/12/2014 8:01 PM
1845Rodger FryCO11/12/2014 7:55 PM
1844Laura BarnettMS11/12/2014 7:50 PM
1843Edwin NolesNC11/12/2014 7:39 PM
1842M Theresa GodwinMI11/12/2014 7:39 PM
1841Edwin NolesNC11/12/2014 7:38 PM
What is wrong with appraisers having access to the data? It could provide better appraisals, which is what everyone wants? Right ?? or is this another process to blame the appraiser for the bad loans that should have never been made in the first place
1840Phillip FordNC11/12/2014 7:37 PM
1839Ellen ShilshtutNJ11/12/2014 7:34 PM
1838Eric HolmesFL11/12/2014 7:32 PM
1837Brian BrooksOR11/12/2014 7:24 PM
1836Christine MacDonaldAZ11/12/2014 7:18 PM
1835Ralph FerraraNY11/12/2014 7:16 PM
1834Sondy LawrenceGA11/12/2014 7:12 PM
This is something we need to know up front.
1833Jan WhittonNH11/12/2014 7:12 PM
1832Amy HaasOH11/12/2014 7:10 PM
1831Rafal ScharfIL11/12/2014 7:09 PM
1830Bryan MeridethOR11/12/2014 7:08 PM
Fannie Mae is to big and too ignorant to have sole access to data that the appraiser should have and then use that restricted information against appraisers. Just because three appraisers view something one way does not mean that the fourth appraiser viewing it differently got it wrong.
1829Eric LeeNV11/12/2014 7:07 PM
1828Karen KoreskoNY11/12/2014 7:06 PM
1827Dann CannKY11/12/2014 7:03 PM
The more data I have available the better job I can do to produce a credible estimate of market value for the subject property.
1826Terri BradyDE11/12/2014 7:02 PM
1825Keith MercerTN11/12/2014 6:57 PM
1824Gerald KitchensIN11/12/2014 6:56 PM
1823Paul Kostishak, SRAMI11/12/2014 6:56 PM
it is quite unreasonable and also foolish to construct a national database of comparable data, then withhold it from the ones who supply not just the data but also the verification sources for this data. To instead use it as a secretive method to discover potential offenses serves to only tear down this profession rather than to support it. May God help the competent appraiser who dares to use sound research and judgment and produces a comparable which is accurate but not consistent with whatever got copied from an MLS listing
1822Edward FisherMN11/12/2014 6:55 PM
Please help all parties ensure more accurate analysis by including appraisers in the loop of standardized data collected through the CU UAD process.
1821REGINALD SEARCY JRIL11/12/2014 6:53 PM
1820Kevin NielsenUT11/12/2014 6:51 PM
1819Lauren BuddMD11/12/2014 6:47 PM
1818Melanie TuftsGA11/12/2014 6:46 PM
1817Thomas MyersCA11/12/2014 6:45 PM
1816William BaileyTN11/12/2014 6:44 PM
Appraisals need to have copyrights by their author.
1815Timothy SavageCO11/12/2014 6:44 PM
FNMEA, please be reasonable and stop trying to regulate appraisers out of business.
1814Adam ReynoldsFL11/12/2014 6:41 PM
1813Tracy WheelerTN11/12/2014 6:41 PM
1812Scott MoyesWY11/12/2014 6:38 PM
1811John FriendCA11/12/2014 6:38 PM
1810William SchallNY11/12/2014 6:35 PM
If anyone has access to this data it should be appraisers as was obtained through appraisal provided by said appraisers. What is the sense of giving this information to Lenders and not the appraiser? All this means is more work and clarifications for the appraiser for the same amount of money. Condition and quality if an opinion not a definite. What is average to me maybe good to some one else. We should be able to see this information to justify our conclusions and opinions. What are we going to get now? Appraiser 1 said subject is a C2 and you said it is a C3 why? Who says appraiser 1 was correct, don't make sense.
1809Douglas RoserOH11/12/2014 6:34 PM
This would truly result in transparent level of data accuracy and a win win situation for all involved.
1808jim hobsonMS11/12/2014 6:32 PM
1807Robert CalatrelloCA11/12/2014 6:32 PM
By the way, that's not your data, it's ours.
1806Adam MaytonMI11/12/2014 6:31 PM
1805Roger BlahaVA11/12/2014 6:31 PM
1804Lynne JohnsonCA11/12/2014 6:30 PM
1803Herbert KiddMS11/12/2014 6:29 PM
1802John MessnerPA11/12/2014 6:27 PM
1801Hansel DobbsTX11/12/2014 6:25 PM
If our reports are going to be judged or graded by a tool that is comprised of information that we provided then we need to be able to run that tool against our own reports before submitting them to our clients.
1800Livingston CooperNJ11/12/2014 6:21 PM
1799Rick StifleCA11/12/2014 6:20 PM
As appraisers we aid the GSE's in accumulating this information, and we do that at no added cost to them. That information should be made available to the appraiser while developing an opinion on a property. Wouldn't it seem that this would increase the credibility and reliability of the report?
1798Robert NibleyUT11/12/2014 6:20 PM
1797Jeff BartaWI11/12/2014 6:17 PM
If increased quality of appraisal reports was important to FNMA there would be no need for a petition. Providing access to data, tools to develop and support adjustments, and specifically providing examples of best practices would lead to better valuations and increased professionalism. Hopefully FNMA will see the value of working with the appraisal community rather than potentially putting all appraisers on double secret probation without knowing the criteria for evaluation nor the specific expectations of work product. If FNMA is not getting what they need in their products they should actually specifically let us know what they need.
1796Robert SheetzKS11/12/2014 6:16 PM
1795Carl MartinFL11/12/2014 6:14 PM
1794Elizabeth GlynnIL11/12/2014 6:13 PM
The Uniform Data Set drawn from the UAD information is meaningless without the now required extensive commentary to "explain & describe" what the subject and comps actually are. There is no "transparency" in the UAD code. Attempting to make real estate a commodity is an exercise in futility.
1793Gerald GoldmanNY11/12/2014 6:11 PM
1792Lacey Fouts-CoffmanAZ11/12/2014 6:08 PM
1791Matthew BeiseigelFL11/12/2014 6:08 PM
1790John ScalaNY11/12/2014 6:08 PM
More data available to all parties involved in the process will be of benefit to the professionals involved in every aspect of this industry and ultimately the public rather than just a few who may be more concerned with a tool used for punitive purposes rather than information that will improve and advance the appraisal process.
1789George PetroffMI11/12/2014 6:06 PM
1788Julie WilliamsCA11/12/2014 6:04 PM
1787Edward FalkowskiDE11/12/2014 6:02 PM
1786Lou MunozTX11/12/2014 5:57 PM
Good luck with this. I suspect it will be posted on someone's bulletin board at FNMA's HQ just to keep track of the no good dissenting or querying appraisers. But ultimately, as it has been doing since the advent of computers back in the 1980's, FNMA will yawn, smirk and ignore this petition. FNMA's masters are on Wall Street. Some answering is done on occasion to the congress and executive branches when they come frothing over the latest financial skullduggery and corruption, but really, it's all about the money and who controls it, and who runs it past FNMA so they too can make their profits. At the end of the day, Wall Street is pushing to eliminate ANY appraisal requirement. This will happen. I predict within fifteen (15) years, residential appraisals will no longer be required and called for, except for the most odious properties or for loans over $750,000. Everything else will be an AVM with perhaps a walk through inspection of some random selections with the appraiser asked to 'certify' the plumbing, electrical, roof, equipment and code compliance is all A-OK, under penalty of lashes and lawsuit. Appraisal fees will then be at about $300. max, for anything regardless. The walk through's will be no more than $60. All done by certified general appraisers, 'natch. Good luck anyway.
1785Derek LewisMD11/12/2014 5:56 PM
Appraisers should be allowed access to the data that we have provided which is the only reason the database even exists. If appraisers are not allowed access to the data, there is no transparency and the appraisal industry will continue to suffer from no fault oh our own.
1784Tobin WestonMI11/12/2014 5:56 PM
1783William FerrisNV11/12/2014 5:54 PM
1782Linda WilliamsPA11/12/2014 5:51 PM
1781Tracey DietzLA11/12/2014 5:50 PM
1780Eric PetersonNY11/12/2014 5:50 PM
1779James StarettTX11/12/2014 5:49 PM
As appraisers we aid the GSE's in accumulating this information, and we do that at no added cost to them. So why can that information not be made available directly to the appraiser while developing an opinion on a property upfront, to streamline the process, and increase the credibility and reliability of the report?
1778Thomas WilliamsOR11/12/2014 5:49 PM
1777rick jonesAZ11/12/2014 5:48 PM
1776Ken MaurerFL11/12/2014 5:46 PM
1775Richard KachadorianCA11/12/2014 5:46 PM
1774Stephen BlanchardOH11/12/2014 5:43 PM
1773Jon BarkleyMO11/12/2014 5:39 PM
1772W Russell HarrisMA11/12/2014 5:37 PM
1771Ronald SextonWA11/12/2014 5:36 PM
1770Armando MalangaCA11/12/2014 5:34 PM
I retired from the appraisal business in 2013, after 36 years in residential appraising. I was Certified from day one after licensing took effect in 1991. Even though this does not affect me, I support the current day appraisers, some of who I still know, because of the negative treatment appraisers are and have experienced from the lending industry and AMC's. Good luck to all in your efforts.
1769Penny HillSD11/12/2014 5:34 PM
1768Stephen SchmidtMI11/12/2014 5:33 PM
1767Penny HillSD11/12/2014 5:33 PM
1766Zohar ElazarFL11/12/2014 5:32 PM
1765John TaftMI11/12/2014 5:30 PM
1764kelley Booth RI11/12/2014 5:30 PM
1763gregory fieldsCA11/12/2014 5:30 PM
1762Clarence F. SchaubOR11/12/2014 5:30 PM
1761Frank CoboFL11/12/2014 5:28 PM
1760John TaftMI11/12/2014 5:28 PM
1759Frank CoboFL11/12/2014 5:28 PM
1758John TaftMI11/12/2014 5:27 PM
1757Clarence F. SchaubOR11/12/2014 5:27 PM
It never ends as appraisers get blamed for everything related to lending money on real estate. So the pay does not increase but the work load and the reporting requirements continue to increase requiring more time and input. As we are getting slammed and blamed for everything the Realtors, the loan officers, the lenders, the underwriters, the reviewers, the parties to the contracts all get a free pass. Then they wonder why the old guys leave the appraisal profession but very few young guys step up to fill the void. Does not matter as we are going to be an electronic valuation system led by a governemtent agency that they want to shut down.
1756Robert AbbottCA11/12/2014 5:26 PM
1755Daryl WashechekSD11/12/2014 5:25 PM
1754Robert GillCA11/12/2014 5:25 PM
1753Myra LillardIN11/12/2014 5:22 PM
1752Alistair LethamHI11/12/2014 5:20 PM
1751Richard MarshallSC11/12/2014 5:19 PM
1750MARK MEIERMI11/12/2014 5:19 PM
Data collection from my copyrighted appraisal reports for other purposes is an actionable offense. If this data is collected for commercial profit and/or for private data bases that exclude the providers of the data is further evidence of tortuous activity. Intellectual property rights shared within the Appraisal process must be transparent and available to the participants in the collection and publication process.
1749PAUL TELLEFIN11/12/2014 5:18 PM
I think a lot of good appraisers are going get tired of being harrased my meaningless rules and decide to do something more rewarding financially. When the economy recovers there will be an overload of assignments an few to do do them. In 1986 it was common to be over two months or more out on reports.
1748Albert ThutFL11/12/2014 5:18 PM
I've been appraising for over thirty years and have seen many changes, none that I recall have resulted in any improvements in quality and reliability. This is not something that can be mandated by a government agency, yet each time the market corrects and values fall, appraisers are the ones held accountable, regardless of any culpability. This latest rule is just another of the posturing our elected officials are so fond of. It will not have any positive effects and will likely drive more seasoned, well trained appraisers from the business.
1747Kent VandiverOR11/12/2014 5:16 PM
1746David Brent LoupeLA11/12/2014 5:12 PM
This is outrageous, you got the data from us, so we should have access also.
1745David DiamondSC11/12/2014 5:12 PM
1744BD YeagerWA11/12/2014 5:11 PM
I already have to filter data from 3-5 sources --two MLS areas that overlap, the online GIS (sometimes from 2 different counties), and my private publication for all closed sales in the county. Data (in and of itself) can be very misleading when you don't verify conflicting information. Does anyone else find it unsettling that most real estate analist (pun intended) seem to think the MLS data is "gold" and always accurate? Now we will have another data source that will be considered infallible by the finance industry, and the automated programs that use that data. I will continue to verify my data as I always have, but it would be nice to have "Access" to Fannie's data too. I am more concerned about being blacklisted for making an honest data entry error - or having my reports red flagged because they don't meet some "parameter" contained in the risk assessment software.
1743mary WilliamsVA11/12/2014 5:10 PM
1742Brett ModeerCA11/12/2014 5:08 PM
1741Hermin GardensWA11/12/2014 5:07 PM
1740Ronald NeSmithGA11/12/2014 5:05 PM
1739Marilyn WadeMI11/12/2014 5:03 PM
We take great care in producing good data. We should have equal access to our peers data so that we can continue to produce a great product. We shouldn't have to petition to receive what was ours to begin with.
1738James KramerFL11/12/2014 5:02 PM
1737SCOTT MANGUMCA11/12/2014 5:02 PM
The CU intent is to make appraisals better and make appraisers accountable. Duh! Give us access to the data!
1736Bailey KlassenOR11/12/2014 5:02 PM
1735Michael SchreinerCO11/12/2014 5:01 PM
There's more to be done than this petition. I urge everyone to contact your U.S. Reps and Senators. At the rate things are going, I'll likely be out of business within a year. What used to take me 2-3 hours is now taking 3-5 hours; and they still want more. I've loved this job for 29 years. Too bad I've been doing it for 29. I'm 67 years old
1734Frederick SpencerAZ11/12/2014 5:00 PM
1733Randall DavisMI11/12/2014 5:00 PM
Per Fannie Mae Selling Guide (4/15/2014) B4-1.1-05 Disclosure of Information to Appraisers Disclosure of Information "Any and all information about the Subject property that the lender is aware of must be disclosed to the appraiser. The appraiser must determine if the information could affect either the marketability of the property or the opinion of the market value of the property." Hmmmm! Now what?
1732RICHARD MIRICKME11/12/2014 5:00 PM
1731Douglas SmithTN11/12/2014 4:59 PM
1730Susan WalshMA11/12/2014 4:56 PM
We cannot charge what we deserve and now what? I give up/ 3 years experience and they are still blaming appraisers.
1729Gary JohnsonCA11/12/2014 4:55 PM
1728Lucy PedegoMO11/12/2014 4:55 PM
1727Laura ReedCA11/12/2014 4:53 PM
In 2015 I will have been an appraiser for 30 years. Man do I miss "the good old days" when we were treated like professionals. Now we are ordered around like flunkies not to mention our own country and people( government interventionist) have destroyed our livelihood.
1726Joanne WhitingMI11/12/2014 4:53 PM
1725Michael DippolitoPA11/12/2014 4:52 PM
1724Daren NelsonWA11/12/2014 4:50 PM
1723Terri HerringtonFL11/12/2014 4:50 PM
1722Gary JohnsonCA11/12/2014 4:49 PM
1721Robert IsaacIL11/12/2014 4:49 PM
1720robert jonesIL11/12/2014 4:48 PM
Why can't we have access
1719Brian TadlockTX11/12/2014 4:48 PM
1718Roseanne MakarNC11/12/2014 4:48 PM
1717Cory BagozziUT11/12/2014 4:47 PM
1716robert jonesNJ11/12/2014 4:47 PM
The question is WHY can't we have access?
1715Jeff SchwabMI11/12/2014 4:47 PM
1714Staci Benno OH11/12/2014 4:47 PM
Appraisal reports should be classified as Intellectual Property, and NOT be allowed to be used or distributed without permission and additional compensation (for this added use) to the preparer! Not letting the creator the use of their own product is un-American!
1713Jeff SchwabIL11/12/2014 4:46 PM
1712Roseanne MakarNC11/12/2014 4:46 PM
1711Christine HowardKY11/12/2014 4:45 PM
1710M. Brook NipkoUT11/12/2014 4:45 PM
1709Shannon JulianNC11/12/2014 4:42 PM
1708donald silvaMA11/12/2014 4:42 PM
Complete transparency is needed for both sides. Its not us against them, I take pride in what I do and want to know how this will work.
1707FREDERICK GAMBINOMI11/12/2014 4:42 PM
If we are to be judged by our data, we should have access to our data.
1706Sherryl AndrusWI11/12/2014 4:41 PM
1705Joyce ReddenKY11/12/2014 4:40 PM
1704Tony McCombieIL11/12/2014 4:38 PM
Of course we should be able to see it.
1703David HowardMI11/12/2014 4:37 PM
1701David WheelerCA11/12/2014 4:34 PM
What is wrong with appraisers having access to the data? It could provide better appraisals, which is what everyone wants? Right?
1700David SchmidtWA11/12/2014 4:30 PM
More data will make for better reports.
1699DEMETRIOS BOGRISNJ11/12/2014 4:29 PM
Sharing the data with appraisers, will serve to improve the appraisal process.
1698Benjamin ParkerOH11/12/2014 4:29 PM
There's more to be done than this petition. I urge everyone to contact your U.S. Reps and Senators. At the rate things are going, I'll likely be out of business within a year. What used to take me 2-3 hours is now taking 3-5 hours; and they still want more. I've loved this job for 21 years. Too bad I've been doing it for 25. I'm 57 years old...Hell, we're all 57 years old!
1697Frank DouglasAL11/12/2014 4:27 PM
1696Christos LawareFL11/12/2014 4:26 PM
The lenders are corrupt. They will miss use the data and interpret it to meet their needs. It must be made available to the appraisers to help ensure is not being manipulated. They threaten appraisers the AQUB makes it tougher and tougher to become appraiser. I have been an appraiser for over 10 years. I personally only like to do appraisal for home owners looking for competent value for a home they are buying for sell or for another entity looking for real value. The banks are corrupt and always looking to lay blame for the damage cause by their own greed.
1695Todd KuechleMN11/12/2014 4:25 PM
1694William OnufrychukVA11/12/2014 4:24 PM
1693Gerald MartinCO11/12/2014 4:24 PM
availability of data is essential to the appraisal process
1692Keith LeonFL11/12/2014 4:24 PM
Sharing the data is the only fair and transparent way to go, and it will help us all if we are on the same page about this data.
1691DAVE BEEKENWA11/12/2014 4:24 PM
The appraisers will be more cooperative with this process if they are included from the beginning and supplied with all information that everyone else will have access to.
1690Stu CrudenCO11/12/2014 4:23 PM
1689Judith DavisNH11/12/2014 4:23 PM
too much interference by non-appraisers in the appraisal process!
1688DENISE ARNOLDTX11/12/2014 4:22 PM
1687Deborah Simon-MurrayWA11/12/2014 4:22 PM
1686Shirley WeaverCA11/12/2014 4:22 PM
Hiding data from the appraiser seems like entrapment.
1685judith davisNH11/12/2014 4:21 PM
too much interference in the appraisal process
1684Michael RobertsonWI11/12/2014 4:21 PM
Sharing the UAD data with appraisers is the right thing to do and is in the best interests of the GSE constituent clients. First, it's our data to begin with. Second, enhancing the accuracy of the 99% should be the priority rather than policing the errors of the 1%. Third, if the appraiser's top goal is to uphold public trust in the valuation process, then CU is working against that goal.
1683Doyle SchillingOH11/12/2014 4:20 PM
Dues paying member of OCAP, Ohio Coalition of Appraisal Professionals. Thanks for the chance to be included in the process. I have not read or heard why appraisers have not been included in the process. It is our job to value the collateral. I believe that if we as a profession do not stand up and be heard we will be squeezed out of the process.
1682Allen BottigerKS11/12/2014 4:20 PM
1681Elizabeth BuchananMS11/12/2014 4:20 PM
1680Travis WilliamsCA11/12/2014 4:20 PM
1679Robert SurnsMI11/12/2014 4:20 PM
1678Philip KaiserWI11/12/2014 4:20 PM
1677barb akeyIL11/12/2014 4:19 PM
1676Charles HolbrookTX11/12/2014 4:18 PM
1675ryan horneckMN11/12/2014 4:17 PM
1674Wayne ValliereMA11/12/2014 4:17 PM
1673Charles HolbrookTX11/12/2014 4:17 PM
1672michael mullaheyNY11/12/2014 4:16 PM
1671George StavriNV11/12/2014 4:14 PM
1670DAVID ROTMANNY11/12/2014 4:14 PM
1669Terrance D FinnellFL11/12/2014 4:13 PM
1668Charles ArriolaCA11/12/2014 4:13 PM
Only positive information will prevail from allowing the appraiser access to this vital data base, so why not!
1667Craig GaspardTX11/12/2014 4:12 PM
1666George BurkeOH11/12/2014 4:12 PM
1665Michael T. FoxPA11/12/2014 4:12 PM
1664G Richard CoadOH11/12/2014 4:11 PM
1663Jeffrey SchnabelNJ11/12/2014 4:11 PM
If the legislators in this country truly care about their respective constituents, then they should move poste-haste to be certain that all appraisers have access to the UAD GSE data that will protect the value of the greatest financial asset most of those constituents have; their home. It is unconscionable that data that can truly assist appraisers in valuation of properties will be kept from them even though the very same appraisers generated that data! Making this data available to the appraisers that created the data will protect consumers from unscrupulous individuals and incompetence when the consumer enters into a financial transaction relating to their greatest asset; their home. Jeff Schnabel
1662John D MooreMI11/12/2014 4:11 PM
With regard to the question of whether appraisers should have access to the data that they and other appraisers have submitted is fair and correct. It would only benefit the loan process and provide more accurate and reliable valuations moving forward.
1661Richard WarnerGA11/12/2014 4:11 PM
1660Gary FreeseAZ11/12/2014 4:10 PM
1659Anthony MagliaroNJ11/12/2014 4:10 PM
Access is necessary.
1658Bryan VirgaLA11/12/2014 4:10 PM
1657William ClarkNM11/12/2014 4:08 PM
1656J. Randall BroadfootMI11/12/2014 4:08 PM
1655Joel A BresslerFL11/12/2014 4:08 PM
The GSE's do not want transparancy. The appraiser profession is dying or should I say being killed so the banks and GSE's don't have to deal with us. As our numbers dwindle, the cries will go out, "There are not enough appraisers, we need to find a new way to safely close our loans". Drones will be used for photos. Too bad statistics don't show mold, subsidence, or 4 point issues. Sooner or later, we will come back because there is no other safe way to secure a loan without educated eyes on the subject. When we do...it gonna cost them. Big Time. God bless America.
1654Joyce GibsonCA11/12/2014 4:07 PM
1653C. Richard SargeantFL11/12/2014 4:07 PM
1652Katherine KoconMN11/12/2014 4:07 PM
Appraisers must have the opportunity to review this information before submitting a report in order to address any variations in the appraisal report itself, not respond to the information weeks later when the lender questions the variation from the market norm or average this data set will generate.
1651Bryan SuttlesGA11/12/2014 4:06 PM
1650Steven ThommesIL11/12/2014 4:06 PM
1649antonio gonzalezCA11/12/2014 4:05 PM
1648Janet TamCA11/12/2014 4:05 PM
1647James FaurOH11/12/2014 4:04 PM
1646Scott PickellCA11/12/2014 4:04 PM
It is important for appraisers to be able to see their score and be allowed an opportunity to rebut or correct any issues that may arise. Scoring will be a positive item for those appraisers who are quality-oriented; but technology tends to not account for those anomalies that come up occasionally.
1645Rick StrelowMN11/12/2014 4:03 PM
1644Michael ChunHI11/12/2014 4:03 PM
1643Kenneth FIXMO11/12/2014 4:03 PM
1642James WhitfieldIN11/12/2014 4:02 PM
1641Jacqueline FotiNV11/12/2014 4:02 PM
1640James WhitfieldIL11/12/2014 4:01 PM
1639joseph spinogattiNJ11/12/2014 4:01 PM
1638Nancy BaileyOH11/12/2014 4:00 PM
1637Bruce JohnkCA11/12/2014 4:00 PM
Allow appraisers access to the Collateral Underwriter.
1636Randolph BergWA11/12/2014 4:00 PM
1635Xavier EscarenoCA11/12/2014 3:59 PM
1634Stanley JohnsonCA11/12/2014 3:59 PM
1633Ron MorganAL11/12/2014 3:58 PM
As appraisers, we are all scapegoats since no one in DC is ever at fault. they always blame the low man on the totem pole. Sure, there are some bad appraisers and I'll bet their bad appraisals will also be used in the automated data that Fannie & Freddie will employ. How can a computer program replace a competent appraiser? After 31 years in the business, I'll be getting out because I'm tired of being crapped upon.
1632Andrew MillsMO11/12/2014 3:57 PM
Please add my name to this petition.
1631ali mohajertabriziCA11/12/2014 3:56 PM
1630Julie RhodesMD11/12/2014 3:56 PM
1629Mark BallardCO11/12/2014 3:56 PM
Thank you, Mark Ballard
1628Julie CarpenterCA11/12/2014 3:56 PM
1627Bill CaudellVA11/12/2014 3:53 PM
If the data is so good why would you not share it with Appraisers?
1626EDWARD MORSECT11/12/2014 3:52 PM
1625Lora CrockerIL11/12/2014 3:52 PM
1624john forsytheMN11/12/2014 3:50 PM
1623Marc LucarelliPA11/12/2014 3:50 PM
All I see here is another try of this constipated government including the GSEs, banks, AMCs trying to eliminate appraisers and appraisals from the lending process. Computer automation will eventually takeover. The lax mentality years ago of Fannie, Freddie and whoever else shows that they are still trying to push the their responsibility on the little guy since it is much easier. Unless these GSEs are done away with, I'll still be looking for a career change like thousands of other appraisers. I hope I get lucky as this is a joke.
1622Travis PettengilFL11/12/2014 3:49 PM
1621Denton JacquesMD11/12/2014 3:49 PM
1620Allan RodrickOR11/12/2014 3:49 PM
Unless the GSEs provide this information to appraisers, for free, it will only serve to eliminate appraisers rather than educate them to the process. Though it is apparent that most lenders would prefer to remove appraisers from the lending loop completely, who will be left to blame when there is another real estate collapse?
1619Scott ClowardUT11/12/2014 3:49 PM
1618John DenderTN11/12/2014 3:49 PM
1617Carol RodrickOR11/12/2014 3:48 PM
1616Michele WattsFL11/12/2014 3:47 PM
1615Timothy NeadOH11/12/2014 3:47 PM
1614Robert KienbaumMI11/12/2014 3:47 PM
This data needs to made available to all appraisers. It will allow us to provide a better product to the GSEs
1613Larie St. JohnCA11/12/2014 3:47 PM
Better data will lead to better appraisals. It only makes sense that this data, generated by appraisers, be made available to appraisers, free of charge, thus assisting in improving the integrity and quality of the data.
1612robert reillyMA11/12/2014 3:47 PM
1611Robert McNamaraIL11/12/2014 3:46 PM
1610Angela AdamsFL11/12/2014 3:46 PM
1609Kathy Allen-GrayMO11/12/2014 3:46 PM
1608Matt HaaschWI11/12/2014 3:44 PM
1607Cynthia JudgeMD11/12/2014 3:44 PM
Transparency helps all with consistency which of course makes for better more accurate appraisals. In the end is this not what we are working towards?
1606Matthew BullCA11/12/2014 3:42 PM
1605Brian JenkinsMS11/12/2014 3:42 PM
1604Elizabeth DamkoehlerFL11/12/2014 3:41 PM
1603Robert FeldermanIA11/12/2014 3:41 PM
1602patrick gallesIL11/12/2014 3:40 PM
1601Allan RodrickOR11/12/2014 3:40 PM
Unless the GSEs provide this information to appraisers, for free, it will only serve to eliminate appraisers rather than educate them to the desired process. Though it is apparent that most lenders would prefer to remove appraisers from the lending loop completely, who will be left to blame when there is another real estate collapse?
1600Stephen RobertsGA11/12/2014 3:40 PM
1599Douglas CrerarFL11/12/2014 3:40 PM
It is very important to the overall appraisal process that appraisers understand not only the full requirements of the service engagement letter, but also how the appraiser is being reviewed. If the appraiser understands exactly how their work is being viewed, then they have the opportunity to modify their future reports to satisfy the client and FNMA/FMAC requirements.
1598Douglas BeanIA11/12/2014 3:39 PM
Not having appraisers have access to the data denies them a great learning tool. Actually seeing the results of the way we are currently doing things can make the point of the whole process ( UAD) more clear and understandable
1597John ThermosCA11/12/2014 3:39 PM
This is just one more reason that during the last 5 years over 5,000 California licensed appraisers have not renewed their appraiser licenses.
1596Kathleen RohdeWA11/12/2014 3:39 PM
1595Douglas SpearsCO11/12/2014 3:38 PM
1594James BlahaWY11/12/2014 3:37 PM
1593Barry WilliamsCA11/12/2014 3:37 PM
1592DENNIS BAKEROH11/12/2014 3:35 PM
1591Lawrence CromieNY11/12/2014 3:34 PM
1590kelley cookseyMA11/12/2014 3:34 PM
1589Judith WallisNC11/12/2014 3:33 PM
1588Vicky ThompsonGA11/12/2014 3:32 PM
It is in everyone's best interest for the appraisers and AMC's to have this information upfront. It will ensure getting the best appraisal for the lender and Fannie/Freddie. Information is important to the process and it doesn't seem it should be witheld from the important people in the process.
1587barbara combsWA11/12/2014 3:32 PM
1586Sheryl DiazTX11/12/2014 3:31 PM
1585Orban Winton, Jr.NM11/12/2014 3:31 PM
1584George BeaverVA11/12/2014 3:30 PM
This data needs to made available to all appraisers.
1583Thomas SinkusMI11/12/2014 3:30 PM
They want us to be accountable for the data without any review of it's integrity and if a conflict arises as usual appraisers are "guilty" until proven innocent. The playing field is far from level.
1582Douglas MeyerIN11/12/2014 3:30 PM
Public trust begins with the data be shared with appraisers.
1581Mark CookNC11/12/2014 3:29 PM
1580Linda FilliosID11/12/2014 3:29 PM
It is only right and fair that the data from the appraisals the GSE's have used for years be provided to appraisers. To eliminate the appraiser from your data and give it to underwriters or others who are not appraisers is a travesty to our profession and the mortgage industry.
1579Jeffrey PateMD11/12/2014 3:28 PM
1578justin scarboroughNV11/12/2014 3:28 PM
1577Michael ManganaroFL11/12/2014 3:28 PM
This data if released must be available to appraisers.
1576Jeffrey PateMD11/12/2014 3:27 PM
1575Kenneth AdkinsOH11/12/2014 3:27 PM
How much are they going to expect us to pay for data, before the appraisal, that will be given to us free, after the appraisal, when THEIR comps (and adjustment differences) aren't the same as what is in the report? If they don't give it to us free and we refuse to pay for it, addressing the differences may slow the process down to a snales pace that neither side can live with. Any guesses on who would give in first?
1574Catherine WilliamsMO11/12/2014 3:27 PM
1573Collie EckelsCO11/12/2014 3:26 PM
1572Tammyq LuckenbillIA11/12/2014 3:26 PM
1571William KaminskiIL11/12/2014 3:26 PM
1570Sue ClementsCO11/12/2014 3:26 PM
1569Gloria DonatoPA11/12/2014 3:25 PM
1568Michelle DammaschkeUT11/12/2014 3:25 PM
1567Gustavo DiazTX11/12/2014 3:23 PM
This data needs to be provided to appraisers at the beginning of the appraisal process if the goal is to actually improve appraisal reports
1566DOUGLAS FABIANONJ11/12/2014 3:23 PM
It always amazes me at the hubris of those who think they can standardize something as complex as a real estate market. What do you suppose is the margin of error of all of those "C's" and "Q's" and "GLA's" etc, within an appraisal report? I don't care if you make this "big data" available. It is as reliable to me as it will be to you. And I will give any scrutiny of my work based upon it the same respect that I give to a "QC checker" that asks me to comment on why the "value is above/below predominant value for the neighborhood" or add a comp to bracket unadjusted sales prices, or any other such nonsense. Oh and how much will the increase to our fees be when the new worksheets are required to show all support for each adjustment and the accompanying paired sales or cost basis reference materials and calculations?? Just curious.
1565mark ehrhardtNY11/12/2014 3:23 PM
1564david coskloPA11/12/2014 3:23 PM
1563Kathleen ThommesIL11/12/2014 3:22 PM
1562kevin hescockOR11/12/2014 3:21 PM
1561Andrew WidenerAL11/12/2014 3:20 PM
We provided the data. If accuracy is the true goal, why not let us be the most accurate we can be?
1560Gregory GroverMI11/12/2014 3:19 PM
Appraisal software providers should be able to access this information and allow for the appraiser to utilize this "stored UAD data" to be input at no additional charges.
1559James WaltmanMN11/12/2014 3:19 PM
And they wonder why the average age of an appraiser is in the upper 50's. What young person would want to get into this profession.
1558Frank CabaIL11/12/2014 3:19 PM
1557David ThompsonTN11/12/2014 3:17 PM
1556R. Scott WhaleyTN11/12/2014 3:16 PM
It is very important for appraisers to have access to that data from the beginning of the appraisal process.
1555Dena PriserIL11/12/2014 3:14 PM
Just as we were never able to get get "fair and equitable pay" after HVCC we are now forced to give information for free that will now be used against us.
1554Penny PierzinaCO11/12/2014 3:14 PM
1553Holly AndersonOH11/12/2014 3:14 PM
1552Amby EllisWA11/12/2014 3:13 PM
1551Pamela PittmanMD11/12/2014 3:13 PM
1550Nathan WardSC11/12/2014 3:12 PM
1549Elizabeth McFaddenME11/12/2014 3:12 PM
1548Matthew LemanCO11/12/2014 3:11 PM
1547Gillian KaiserNY11/12/2014 3:11 PM
1546Cathy ChaseMI11/12/2014 3:11 PM
1545Daniel DuvallAZ11/12/2014 3:11 PM
More and More paperwork will not create a better Appraisal! More scrutiny should fall on the lenders and Loan officers to make sure that the Buyers are capable. A good lender should have a capable staff to verify the Appraisers Value. Making the Appraisers out as the fall guy because the lender is not doing his due diligence, is Just Wrong.
1544Ben MickelsonCT11/12/2014 3:11 PM
1543Leslie BrightwellIA11/12/2014 3:11 PM
1542David KendallNC11/12/2014 3:10 PM
1541MIKE GUYTONMS11/12/2014 3:10 PM
1540Leslie BrightwellIA11/12/2014 3:10 PM
1539John UttleyOH11/12/2014 3:10 PM
1538DAVID FUHRMANIN11/12/2014 3:09 PM
1537Bill ShermanGA11/12/2014 3:09 PM
1536Larry WilsonLA11/12/2014 3:09 PM
I'm surprised it took them this long...just a continuation of the Dodd-Franklin mentality...one shoe fits all
1535ROBERT KOUNTZMANMO11/12/2014 3:09 PM
1534Lynn FreedmanCT11/12/2014 3:09 PM
1533patrick millardMI11/12/2014 3:07 PM
1532Thomas MillerMD11/12/2014 3:06 PM
1531Regina StuckeyOH11/12/2014 3:06 PM
1530Thomas TerwilligerIA11/12/2014 3:06 PM
1529Cheryl WeeksID11/12/2014 3:05 PM
This new "CU" is just another part of Fannie Mae's witch hunt against appraisers. Now we are going to be required to justify/prove all of our adjustments. Of course, we will not be compensated for the additional work required.
1528David SpurgeonOR11/12/2014 3:05 PM
With confidentiality maintained, this data should be readily available to licensed or certified appraiser's.
1527Timothy BrowningPA11/12/2014 3:05 PM
1526Eric EickhornFL11/12/2014 3:05 PM
1525Susan MerrickCA11/12/2014 3:05 PM
Thank you for giving us a forum to be able to make our voices heard. Hopefully we will get the attention of those that make decisions that affect all of us.
1524Joseph LynchCA11/12/2014 3:04 PM
1523Kathy BashoreIL11/12/2014 3:03 PM
If the appraisers are going to be expected to consider or discuss sales found by an U/W as a result of this CU product, then this product should be sent along with the order. The lender could block out any estimated value information but the data that will be expected to be known or discussed by the appraiser should be provided up front to avoid the appraiser having to go back to address additional sales at a later date.
1522RAY CHRISTWI11/12/2014 3:02 PM
Transparency by it's definition is something that can be seen by all parties involved in the process. Not allowing the appraiser access to this information is a deliberate attempt to hide critical information from valuation professional.
1521Geoffrey BaileyOH11/12/2014 3:02 PM
1520Brian LazarusCA11/12/2014 3:01 PM
1519Anthony GrassCA11/12/2014 3:01 PM
1518Elizabeth SteinCA11/12/2014 3:00 PM
1517David EdwardsWA11/12/2014 3:00 PM
1516Elizabeth SteinCA11/12/2014 2:59 PM
1515Richard B DuffnerIL11/12/2014 2:59 PM
I have been appraising single family and 2 -4 residential properties for over 20 years. Never before have I seen such government interference to the point that it is not an appraisal process but rather a fill in the blanks with answers provided by the government so that they can quickly help complete the sale process. Ha! Good luck with that!
1514Gary ManginoIL11/12/2014 2:59 PM
This is important to our industry.
1513David BallmanOH11/12/2014 2:58 PM
1512Anthony SmithPA11/12/2014 2:58 PM
1511Gene KeySC11/12/2014 2:57 PM
1510Paul WoolleyOR11/12/2014 2:57 PM
1509Brian DeSantisPA11/12/2014 2:56 PM
1508Ron BrownUT11/12/2014 2:56 PM
1507Rita PowersAZ11/12/2014 2:56 PM
1506Linda SochaTX11/12/2014 2:56 PM
1505douglas carnevaleMI11/12/2014 2:55 PM
1504Laura JagtWA11/12/2014 2:55 PM
1503James KuykendallTX11/12/2014 2:54 PM
There is a lot of blame to go around for the housing meltdown, mortgage brokers were the major reason, with no oversight, and they mostly got off free. Too much blame on the appraisers and that hasn't changed. The UAD, as designed, needs LOTS of changes.
1502Mary GrayNY11/12/2014 2:54 PM
Whether appraisers should have access to this data (which was supplied by the appraisers in the first place) should not even be a question. It should be accessible to all appraisers for FREE. Most appraisers are trying very hard to work within the new UAD regulations but we are thwarted at every turn by the vague Q&C ratings, lack of access to reliable data, unrealistic turn times and low fees. If the situation is not dealt with effectively, there will be no good appraisers left. Why not include the appraisers in these policy decisions since we are part of the process? Is the GSE's goal to eliminate appraisers and introduce computer generated values? It appears that way as we are neither consulted nor considered in these changes.
1501Brad Mullen, SRAUT11/12/2014 2:53 PM
The negative impact AMC's have had on our livelihood pales in comparison to what is about to happen with this nonsense. Hang on everyone. You ain't seen nothing yet!
1500James BoydFL11/12/2014 2:53 PM
1499Jean BlackPA11/12/2014 2:52 PM
We need to be allowed to access this data
1498Lori CarboPA11/12/2014 2:52 PM
1497Michael DilioWA11/12/2014 2:52 PM
Access to data prior to submission is a common sense idea, beneficial for accuracy and reliability. Please include the appraiser in this process prior to submission of the appraisal report.
1496AUGUSTUS WILLIS,IIINC11/12/2014 2:51 PM
1495Thomas BoyleCT11/12/2014 2:51 PM
It's an obvious choice to allow appraisers access to the UAD database. Not only is it the appraiser's information that makes the data available; it is in the interest of all concerned to provide access to the very practitioners that can make the best use of the data. Access should produce better appraisals and better info for the GSE's.
1494Elizabeth JadwisiakOH11/12/2014 2:51 PM
1493Frank RentzAL11/12/2014 2:51 PM
It seems to me that having this data on the front, might eliminate some of the government jobs, and streamline the process.
1492Frank SchrammTX11/12/2014 2:51 PM
1491Denis VollmerID11/12/2014 2:51 PM
Help!!! You cannot know to much. Release the data to the appraiser....,
1490Vanessa KeySC11/12/2014 2:51 PM
1489Carl FinneyCO11/12/2014 2:50 PM
Transparency by it's definition is something that can be seen by all parties involved in the process. Not allowing the appraiser access to this information is a deliberate attempt to hide critical information from valuation professional.
1488Patrick LambertMN11/12/2014 2:50 PM
UAD and other changes made after the financial, (housing), collapse has done nothing to cure the underlying problem. The banksters want control of the appraisal and ultimately the appraisal fee. Our work in giving them the data will eventually result in the elimination of the appraiser except as a glorified inspector. What the banksters really want is the fee. They will charge normal appraisal fees to the borrower, order an AVM for $30-$50 and keep the rest. They view it as another profit center.
1487Matthew FarringtonNC11/12/2014 2:49 PM
1486ROBERT LLOYDMI11/12/2014 2:49 PM
1485Shane NovichAR11/12/2014 2:48 PM
1484Mirko SrdanovichIL11/12/2014 2:48 PM
1483Jason BelangerFL11/12/2014 2:48 PM
1482Christopher VigilNM11/12/2014 2:47 PM
1481Donald HoffmannNY11/12/2014 2:47 PM
1480Cheryl DejnoUT11/12/2014 2:47 PM
1479Laura cottrellWA11/12/2014 2:47 PM
1478Lura DuvallNV11/12/2014 2:47 PM
1477andrew dallinMA11/12/2014 2:47 PM
1476Tim HerronNC11/12/2014 2:46 PM
1475Holly McGlothlinFL11/12/2014 2:46 PM
1474Judy Lee SalmonsonCA11/12/2014 2:46 PM
1473Arthur RuppeNC11/12/2014 2:45 PM
1472Arthur RuppeNC11/12/2014 2:45 PM
1471Bobby KestersonAR11/12/2014 2:44 PM
1470Stephen MetzgerKY11/12/2014 2:44 PM
As others have said, We provided the data and we should be able to use it to help verify appraisal quality prior to submission. We all want to do a great job. Help us instead of simply finding another way to find fault with honest work. I'm really sick of this "Gotcha" mentality...
1469Jesse BequetteCO11/12/2014 2:44 PM
1468Bret HoganKY11/12/2014 2:44 PM
1467Terri BoundsAR11/12/2014 2:44 PM
1466Gloria SheppardGA11/12/2014 2:44 PM
We already have reviewers with a high school education and no idea about the appraisal process telling us how our appraisals must be written to match a checklist, regardless of the property type, location, or complexity. Now they will be "suggesting" to us what comparables to use and what adjustments to make, all the while cutting into our fess and demanding unreasonable turn times. In what sense is this appraiser independence?
1465Michael TookerCA11/12/2014 2:44 PM
1464John GreenTN11/12/2014 2:43 PM
1463Timothy NemecWI11/12/2014 2:43 PM
1462Robert CurryTN11/12/2014 2:42 PM
1461J. Shelton BoundsMS11/12/2014 2:41 PM
1460Simon PalaciosTX11/12/2014 2:41 PM
Sure seems that the bank will have there own value in mind and it will not make any difference what the appraiser value comes in at.
1459Arnold SchwartzGA11/12/2014 2:41 PM
1458JULIE WillertND11/12/2014 2:41 PM
1457Patrick BerdingOH11/12/2014 2:40 PM
1456Brian PoettIN11/12/2014 2:40 PM
1455R. Paul BrownellCA11/12/2014 2:40 PM
We appraiser's should have access to the UAD datasets we are required to provide. Since we provide it, we shouldn't have to pay for access to it either! We should have access at the beginning of the appraisal process to avoid after-the-fact problems, red flags or BLACK LISTING by the GSE's. This will also enhance the quality of our work product and streamline the review process.
1454Ronald ThompsonWA11/12/2014 2:40 PM
1453James AnthonyMN11/12/2014 2:40 PM
Never has one industry been completely railroaded as those who practice the appraisal profession. What a country! Thanks to all those politicians (Cuomo, et al) for essentially crapping on a what was once an honorable profession.
1452George ArchambaultIL11/12/2014 2:39 PM
1451James VanEttenMI11/12/2014 2:39 PM
1450Derek LamkinIL11/12/2014 2:39 PM
1449Cari RinehartIN11/12/2014 2:38 PM
1448Scott Kimball, SRAUT11/12/2014 2:38 PM
1447Walt BoneyFL11/12/2014 2:38 PM
1446Randall ThomasTN11/12/2014 2:38 PM
This most certainly appears to be just another government effort to screw up what was once a reasonably honorable profession.
1445Samuel SchackowFL11/12/2014 2:38 PM
1444Larry KingMN11/12/2014 2:37 PM
1443Fred ContiME11/12/2014 2:37 PM
Call me a cynic................but the chance of us getting access to OUR data is slim to none.
1442John TonderaPA11/12/2014 2:36 PM
1441Chad BairdUT11/12/2014 2:36 PM
1440Edward McDevittPA11/12/2014 2:36 PM
1439Debbie ManningCO11/12/2014 2:36 PM
1438Shawn BandleyUT11/12/2014 2:36 PM
1437Lori TonderaPA11/12/2014 2:36 PM
1436Wayne FeinbergNY11/12/2014 2:35 PM
1435Thomas HalversonMT11/12/2014 2:35 PM
Appraisers spend much of their professional life and expertise gathering the data to be used in this process. Therefore it is only fair for this information be provided to the appraiser to insure the information is accurate, and to enable the appraisal process to be conducted more efficiently. This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
1434Pia LoeperCA11/12/2014 2:35 PM
AND, it needs to be provided to appraisers FREE of charge, just as it is for lenders: free of charge. The ONLY way the lending system is going to work efficiently and honestly, is if ALL appraisers, underwriters, lenders and real estate agents have access to the SAME information, without discrimination. Information provided by appraisers, should be available to appraisers at no charge.
1433Richard BeckmanAL11/12/2014 2:34 PM
1432Ed Delacruz CA11/12/2014 2:34 PM
1431Adam FullmerID11/12/2014 2:34 PM
Fannie Mae’s Collateral Underwriter (CU) will be available in the first half of 2015. The CU performs automated risk assessment of appraisals submitted to the Uniform Collateral Data Portal based on information that you provided through the Uniform Appraisal Dataset (UAD). The CU provides a risk score, flags, and messages to the lender. The GSE’s have mandated that all appraisals be submitted in the UAD format; however, currently there are no plans to provide appraisers access to this data. This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
1430Gene BellWA11/12/2014 2:34 PM
To be judged on an unknown, especially when its available to others, is an egress error on the part of the GSE's. When the goal is to make better loans, the answer is to put everyone on the same page, are you doing that? Gene
1429leroy turnerMD11/12/2014 2:33 PM
1428James BaysIL11/12/2014 2:33 PM
1427Keith MooreCA11/12/2014 2:33 PM
I earned my AG designation in 1990 and practice specializing in commercial and remodel/renovations/use-converted properties here in central California yet, residential is a big part of my business. This new wrinkle is yet but another government attempt to patch up a botched system that just can't be patched. It was flawed from the beginning and will never work well as long as government is in charge (just my opinion).
1426Starlyn DupreeAZ11/12/2014 2:32 PM
The GSE’s have mandated that all appraisals be submitted in the UAD format; however, currently there are no plans to provide appraisers access to this data. This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public. Not providing this information to appraisers is obstructive to the appraisal process and detrimental to the lending industry. It will penalize appraisers for not having information that is not being made available to them. There is no credible reason for not providing this information to the professionals who need it to produce a reliable report.
1425maureen maeTN11/12/2014 2:32 PM
1424Gabrielle MellottCA11/12/2014 2:31 PM
Thanks for your hard work on this. This is dangerous. Transparency is key. Seems sneaky. Once again we have very little say. Im not a fan of UAD at all. I don't get how we got roped into it in the first place. Especially here in southern California. Cant always fit a square peg into a round hole. That's UAD. Good luck in your efforts I hope we are successful
1423Chris KirkerMD11/12/2014 2:31 PM
1422Juan ZamudioFL11/12/2014 2:31 PM
1421Jan CollinsWA11/12/2014 2:31 PM
1420CLIFFORD JORDANFL11/12/2014 2:31 PM
As you continue to promulgate more rules and/or ways to collect data regarding the appraisal process, it seems to me the same data should be made available to individual appraisers. Personally, if I've made a mistake, I'd like to know about so it doesn't happen again. Unless this information is made available to me, how am I to know?
1419John ErneOH11/12/2014 2:31 PM
1418William TriebwasserND11/12/2014 2:30 PM
1417Bruce GoffSC11/12/2014 2:30 PM
As an Appraiser, I would like to benefit by the knowledge of an Appraiser who has inspected and measured a property so my use of that property as a comparable is more reliable and my clients' benefit by that knowledge. We should be working together to avoid Lending issue rather than on a witch hunt. Oh by the way, UAD is not perfect just a way of mining data.
1416Chris RussoLA11/12/2014 2:30 PM
1415JAMES HORTONMI11/12/2014 2:29 PM
This strongly sounds like valuation pressure on the appraiser. A computer generated program is picking comparables and adjustments for a pre-determined value. This is illegal by Federal Law.
1414Walter SambiOH11/12/2014 2:29 PM
1413Thomas MarkoskiMI11/12/2014 2:29 PM
By providing the mortgage producers with analytical tools to essentially apply attempts of "self doubt" is not a positive tool for the appraisers. By not including the field appraiser with this product rollout essentially is disingenuous and obvious as to the Agency/Producers attempt for not including the "independent appraiser" in the process-and how could any honest person state that it is? The saying goes that history repeats, but not in the same way. If implemented as intended - why bother going through the motions- just let the Banks value they own deals, and take the Appraisal industry to the back of the barn. The intention here is that obvious.
1412Lee CoxSC11/12/2014 2:29 PM
1411William ODonnellMD11/12/2014 2:29 PM
Information provided BY appraisers, should be available TO appraisers.
1410James BradleyUT11/12/2014 2:28 PM
Please provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public
1409Cory BurdDE11/12/2014 2:28 PM
1408Christopher ColdironOH11/12/2014 2:28 PM
The entire lending community & homeowners would benefit by the sharing of this information with appraisers. Please allow appraisers to use this very useful information. Thank you.
1407Barry CleverdonCA11/12/2014 2:28 PM
I am a USPAP instructor. Also teach other continuing education and some basic education classes. Teach at college. Also a 33 year practicing appraiser. Really think appraisers would benefit from this information to improve their capacity. www.appraisertraining.com
1406Rocco Clementi Jr.NJ11/12/2014 2:28 PM
Any time I will sign these petitions any time as something must be done to stop all these rules and regulations against us thank you
1405Michael HoegenSC11/12/2014 2:28 PM
1404Mark DlugIN11/12/2014 2:27 PM
share the data, as more data = more value confidence & less back&forth
1403Kelly PoettIN11/12/2014 2:27 PM
1402Richard WinchesterMA11/12/2014 2:27 PM
1401Brian FrostNH11/12/2014 2:27 PM
Transparency is the way to go. Appraisers should definitely have access to the CU data. It would result in better quality/more accurate appraisals going forward. I also think there should only be a nominal fee, if any, for access as we provided the data.
1400Denise EstherMI11/12/2014 2:26 PM
1399Ernest HodgesAR11/12/2014 2:26 PM
The fact that we do not have access is an outrage and should have been addressed by our State Boards a long time ago.
1398Gerard NugentTX11/12/2014 2:26 PM
1397Raymond LeeIL11/12/2014 2:26 PM
1396Michael Crowley, Sr., SRAIL11/12/2014 2:26 PM
1395Kathryn NiemeyerTX11/12/2014 2:25 PM
1394Larry TuckerMN11/12/2014 2:25 PM
Recent California Appraisal case state the paties are limited as to who can use the appraisal, how does this new requirement effect that ruling?
1393Jorge GarciaFL11/12/2014 2:25 PM
1392DARCIE BREAZZANONC11/12/2014 2:25 PM
I believe transparency will improve the process and that includes the data source (appraisers!).
1391Deborah McGlynnNY11/12/2014 2:25 PM
1390Christy BarnettGA11/12/2014 2:25 PM
1389Michael HodgesAR11/12/2014 2:25 PM
I will be contacting my senator, congressmen, and state representatives as well.
1388Terry FreemanPA11/12/2014 2:25 PM
1387Cindy WelleCO11/12/2014 2:25 PM
1386Chester BrowneCA11/12/2014 2:25 PM
1385Richard ButlerOH11/12/2014 2:25 PM
I would appreciate access to the data
1384Mike FerroneNJ11/12/2014 2:24 PM
1383Duke Prentup, SRACO11/12/2014 2:24 PM
This is just another reason that I do NOT take any mortgage lender related assignments. Haven't done so for over 10 years now. I've never utilized or filled out the insidious UAD form or any of other newer related forms --- and I never intend to.
1382Thomas BarthMN11/12/2014 2:23 PM
1381Douglas Leff OH11/12/2014 2:22 PM
1380Richard OwensNM11/12/2014 2:22 PM
1379Douglas PeekMI11/12/2014 2:22 PM
1378Sis OliverMA11/12/2014 2:22 PM
Were is the transparency? We provide the data, we need to know how it will be used. Who will be checking for accuracy? Why can't we work together to improve this industry?
1377Eugene WieczorekPA11/12/2014 2:21 PM
1376Sean LefeverPA11/12/2014 2:21 PM
1375Barry BrownSC11/12/2014 2:20 PM
1374William Barnes, SRAAK11/12/2014 2:20 PM
The right of due process and a fair trial is embedded in the US Constitution. Secrecy is un-American. How about some transparency? NEWSFLASH to FNMA/FREDDIE MAC, without appraisers keeping the system honest, your operations would be completely fleeced within months, just like the Iraqi National Bank and their national museum. Show us some respect.
1373William O'DriscollPA11/12/2014 2:20 PM
We, the appraiser's, are the basis of the information which has developed this data base. If our work is to be evaluated, we should have access to any additional market data available, which would assist in developing the most credible and reliable report possible.
1372David FullerNY11/12/2014 2:19 PM
1371Michael HockensmithKY11/12/2014 2:19 PM
1370Kathy TuckerVA11/12/2014 2:19 PM
1369Michelle DawsonWA11/12/2014 2:19 PM
1368Roger CaldwellCO11/12/2014 2:19 PM
1367Thomas CoppolaOH11/12/2014 2:19 PM
1366Kevin LitchkeMN11/12/2014 2:19 PM
1365Kathleen PanosFL11/12/2014 2:18 PM
1364Debra WallaceCA11/12/2014 2:18 PM
Since we are supplying the data we ought to have access to it.
1363Joseph DeckerSC11/12/2014 2:17 PM
1362ROBERT CoffeyNY11/12/2014 2:17 PM
We have been the ones ( appraisers ) that have collected this data and we should be entiltled to the use of it.
1361Cynthia WuestefeldOH11/12/2014 2:17 PM
We have been required to supply this data. It is our work file data and we should have access to it.
1360Michael BourgeoisLA11/12/2014 2:17 PM
1359Robert PremeczPA11/12/2014 2:17 PM
GIGO. If the first person supplying data to your Collateral Underwriter is wrong and all others submitting correct data are subsequently questioned and you don't supply this data, you're only creating more problems than solving them. As a reviewer, I have seen all forms of due diligence in the data gathering process. Having actual appraiser data versus county or MLS data should be the goal or gold standard for property information. Please decide to be transparent and be sincere about wanting to reduce risk to lenders and the general public by sharing the data at the beginning of the process. You already acquired from us, so why not make it available to all appraisers so we can work together to keep it up-to-date and accurate. Your decision will speak volumes on whether you consider appraisers your ally in this process or someone that needs to be eliminated.
1358Dirk CampbellCO11/12/2014 2:17 PM
unless the Dodd/Frank bill is repealed; this profession is dead. Suggested guidelines will not allow appraisal through the UAD. What happen to the law that only state certified appraiser can do a review?
1357MARY THOMPSONGA11/12/2014 2:16 PM
It makes no sense to provide this data to Lenders and Not Appraisers. Are we not in this for the common good? Why should Appraisers be the only ones in the Dark? It seems this is an effort to find more fault with the Appraiser or Appraisal in a "Gotcha" type of effort. We are here to protect Lender Risk and since we must follow Lender and GSE Conditions, the review Data should be made available for the Appraiser UP FRONT BEFORE Delivery, so they can respond to any automated review points or RISK factors that are noted in the report at THAT time. Why should there be yet another delay in the process, whereby the Appraisal is submitted and then The review results are sent back to the appraiser for reply, further delaying the process. Why not have the Appraiser HEAD any concerns off at the pass and deal with the review issues up front. Most Appraisers have a REVIEW option in their software allowing them to double check their report before submission to the client. Let's do the same thing here. ALSO, Our Appraisal DATA is being used for the CU, Appraiser should not have to PAY for this data or if they do...It should be a very nominal fee as Appraisers already have to pay for Deliver fees for every appraisal they submit via Appraisal Portals, AMC's etc. Thank you!
1356Robert CoyneCO11/12/2014 2:16 PM
Why are we blacklisted from access to the tool compiling this data and the information it is generating? Why are the LENDERS the only ones with access?
1355Bob SturgeonCA11/12/2014 2:16 PM
1354Joanne JohnsonIL11/12/2014 2:16 PM
1353Jerrod GatesMN11/12/2014 2:16 PM
If they want to provide all the adjustments and comps why do they need an appraiser. Is the CU going to take responsibility in a court challenge to an adjustment that the appraiser was forced to use to get the appraisal to meet the Fannie Mae requirements. At what point does this become adverse influence on the appraisal process.
1352John ClarkWI11/12/2014 2:15 PM
This is a no brainer. The more data appraisers have the better our appraisal reports will be.
1351Larry StreetTX11/12/2014 2:15 PM
1350Brian HietpasWI11/12/2014 2:15 PM
1349Sibylle LetzelterCO11/12/2014 2:15 PM
1348Joanne JohnsonIL11/12/2014 2:14 PM
1347Constance ScottCA11/12/2014 2:14 PM
Why are they working against us instead of with us. I don, t understand the logic. Give us appraisers a break help us to help you with a better product. Share with us what we have shared with you. Its the right thing to do.
1346Dennis PaylorCO11/12/2014 2:13 PM
1345Ronald MedlinLA11/12/2014 2:13 PM
1344Thomas TitusOH11/12/2014 2:12 PM
1343Gerald HarveyTN11/12/2014 2:12 PM
1342August SchultzLA11/12/2014 2:12 PM
We need to have access to all information available.
1341Lillias BradyDE11/12/2014 2:12 PM
We have been required to supply this data and it is being used against us. It is our workfile data and we should have access to it.
1340Stephen FisherCT11/12/2014 2:12 PM
1339Joyce Potts, SRA, AI-RRSFL11/12/2014 2:12 PM
1338Mike GustafsonMN11/12/2014 2:12 PM
1337George PostMI11/12/2014 2:11 PM
Transparency need not be only a buzzword. Appraisers are held to task to provide as fair and unbiased a product as possible to the lender. Does it not stand to reason that we are privy to the very data we have been providing? Would this not aid in the process to improve the product from the start? I believe we should have access to the same tool that is being used to monitor our performance, and potentially be used to discredit or bar us from practicing this profession.
1336Michael BergenIL11/12/2014 2:11 PM
Full access can only provide the appraiser a chance to do the best job possible for the client. In addition, an automated review tool such as this is going to slow the loan approval process down especially on complex assignments were the CU will flag anything that is outside suggested guide lines. It will also result in many appraisers simply rejecting those assignments that will set the CU off. It may end up being as ineffective and despised as the Dodd/Frank bill was for the appraisal professional!!
1335Jeff UlibarriUT11/12/2014 2:11 PM
Again here we go, driving the car from the back seat. We drive it and they tell us where to go. Appraisers need to drive it from the front with help from the back.
1334Alexander FurmanCA11/12/2014 2:11 PM
Better data will lead to better appraisals. It only makes sense that this data, generated by appraisers, be made available to appraisers, thus improving the integrity and quality of the work.
1333Cory MurphyVA11/12/2014 2:10 PM
While I still believe that the majority of appraisers are competent I also know all too well that there are a significant number of appraisers that take every shortcut available and end up creating less than credible appraisals. I feel that if appraisers had the opportunity to access this tool it would likely improve the quality of the end product and ultimately the appraisal process in general by making sure the appraiser addresses specific concerns prior to lender submision and automated review. If access is granted, would every appraiser use it? Absolutely not, but its likely there would still be an added benefit for the industry as a whole.
1332Jimmy ChavezCA11/12/2014 2:10 PM
1331Shannon SlaterTX11/12/2014 2:10 PM
Allowing appraisers access to this data will give us tools to provide quality appraisals. Let's work together.
1330Lori PlanzCA11/12/2014 2:10 PM
It seems this is one more attempt to force appraisers out of their chosen profession- we are already bombarded by multiple reviews and audits which are often in conflict and now have to contend with the absence of data which might assist us in GSE specific requirements.
1329A Joseph WolfKY11/12/2014 2:10 PM
This is another effort by "Big Brother" to affect the eventual demise of appraisal as we know it. However, as with AVM, BPO, etc., etc., etc., this too shall pass. The Quality & Condition ratings as we are now subjected to are absurd. Further, if we are compelled to "prove" EVERY adjustment within the sales comparison analysis, there will be very few of us around in a very short period of time. Not because we are not capable of doing so (proving the adjustments) but fees will need to at least double. I'll be happy to prove EVERY adjustment within a separate analysis grid for a $1,200 fee for a single family detached home in a neighborhood with ample data. I've been in the appraisal business for over 35 years. Seen many, many changes in the business during that time period primarily as a result of poor practices of lenders and government agencies. This too will fade away.
1328Stanley ReaneyLA11/12/2014 2:10 PM
1327Theresa LandfairMO11/12/2014 2:10 PM
I do not support the UCDP since I view it as a faulty system full of subjective loopholes designed to deflect liability in the first place. However, since the system was supposedly put in place in order to ensure consistency, transparency, and accuracy, then please allow us access so we can improve our quality of work. Allowing us to see where inconsistencies may arise gives us a chance to comment on, reevaluate or reconsider our own data.
1326Teresa MartinOR11/12/2014 2:10 PM
1325John ParadisoMI11/12/2014 2:09 PM
The appraiser is an integral part of this process providing all of the data into this system. We should have unimpeded access at no cost.
1324john nagyCA11/12/2014 2:09 PM
stop score keeping or give access to data
1323Joe OttIA11/12/2014 2:09 PM
1322Darrel ClarkUT11/12/2014 2:09 PM
1321Kari LaneMI11/12/2014 2:09 PM
1320David GravesCA11/12/2014 2:08 PM
Transparency benefits all.
1319Joseph OttIL11/12/2014 2:08 PM
1318Michael NeimeierOH11/12/2014 2:08 PM
1317Parham ParsadoustMD11/12/2014 2:08 PM
If the true intent of this new layer of review is the improvement of appraisal quality; it stands to reason that the most valuable exercise for this tool is in the preliminary preparation of the appraisal report. please make this available to all appraisers for the betterment of the industry. Thank you, Par Parsadoust Consolidated Appraisers
1316Scott HothCA11/12/2014 2:07 PM
1315Diane GustinWI11/12/2014 2:07 PM
Appraisers should be given free access of the collateral underwriter since we are the people who gave the information so it could be created.
1314Dan MillerGA11/12/2014 2:07 PM
1313James CarlsonCA11/12/2014 2:07 PM
As it relates to value, Appraiser should have access to all relevant data. Withholding data which could easily be readily available appears to be adversarial and punitive in nature when the data could easily be addressed within the report-correct/incorrect and here is why.
1312Yan FeilerCA11/12/2014 2:07 PM
1311John De GraffNC11/12/2014 2:07 PM
If the true goal is to ensure higher quality and more accurate appraisals, access to the data by appraisers at no charge, who provided this data to begin with is the most important and critical step necessary toward that end goal
1310jon evjenCT11/12/2014 2:07 PM
1309Henry ZyckAZ11/12/2014 2:07 PM
1308Darryl GorhamAZ11/12/2014 2:06 PM
1307Corina RollinsCA11/12/2014 2:06 PM
I work in a very complex marketplace. The need for FNMA/FREDDIE MAC to assure a solid portfolio is obvious but when an appraiser is asked to take complex properties and make them fit into round holes, it belies the reality of the marketplace. Markets are, by their very natures, imperfect. This tool, without appraiser access, makes the appraiser WRONG if their property doesn't fit the "norm" when, in fact, the "norm" may not fit the property. In addition, the statistical program once again appears to assume, as did the risk analysis that led to the demise of the collateralized Real Estate market, that the data in is reasonably correct. With appraisers pressured on fees and turn times, the careful research required is not being completed with sufficient accuracy for a statistical regression analysis to be able to capture all of the subtleties of any property. If appraisers are to be held to this formulated result they at least should be given the tools to understand the criteria that are being used to develop the formula.
1306Raymond KnappWA11/12/2014 2:05 PM
All this down on Appraisers...but nothing on Real Estate Agents who can't seem to enter accurate data the WE have to base our appraisals on? An early retirement looks better every day!
1305Steve MillerCO11/12/2014 2:05 PM
1304Natalie CastanedaNC11/12/2014 2:05 PM
1303Michael SchulteTX11/12/2014 2:05 PM
1302Scott RhodesFL11/12/2014 2:05 PM
I hate to say it but the residential appraiser will be a thing of the past very soon. :(
1301Kathryn BerryMN11/12/2014 2:05 PM
1300Laura BishopCA11/12/2014 2:05 PM
1299Dominick DiMaggioIL11/12/2014 2:05 PM
1298Lori KaiserAL11/12/2014 2:05 PM
1297Simon WolpoffIL11/12/2014 2:04 PM
It needs to work both ways with appraiser notification about any problem or corrections in appraisal reports
1296Troy BuscemiMA11/12/2014 2:04 PM
If standards of quality are so important AND we are submitting our data for free, we should have free access to all appraiser's data for the most accurate reports. In Massachusetts, MLSpin markets without considering the difficulty appraisers have verifying data: $40,000 parking spaces, below-grade living area, decks and patios are sometimes included in sale prices with verification time consuming. I have no issue with appraisers using my inspection as reliable comps. I would use other reports IF measurements conformed with ANSI standards. If lenders want free risk assessment tools, they should participate cooperating by releasing data to appraisal industry. The whole CU appears skewed when considering these factors.
1295Laurel BoyerCA11/12/2014 2:04 PM
1294Adam HowellCO11/12/2014 2:04 PM
1293Anne HurleyIN11/12/2014 2:04 PM
Better data will lead to better appraisals. It only makes sense that this data, generated by appraisers, be made available to appraisers, thus improving the integrity and quality of the work.
1292Sarah HowellCO11/12/2014 2:04 PM
1291DOUGLAS DUFFYVA11/12/2014 2:03 PM
If the purpose of this CU is truly to generate higher quality appraisals, than it should also be in the hands of the appraiser as well.
1290Scott WachterMO11/12/2014 2:03 PM
1289Rudy DuplissisME11/12/2014 2:03 PM
Appraisers should have equal data available
1288John HannahanMN11/12/2014 2:03 PM
1287David HowarthMI11/12/2014 2:03 PM
1286Michael WalkerIN11/12/2014 2:03 PM
How are they going to keep their information that they take from us up to date after we are ran out of business?
1285Jason HudsonAR11/12/2014 2:03 PM
1284Richard CarmichaelVA11/12/2014 2:03 PM
1283Rose AlettaCT11/12/2014 2:03 PM
Allow access to this data or stop collection and score keeping.
1282Charlene Lane ThorntonVA11/12/2014 2:02 PM
1281Michael O'BrienCT11/12/2014 2:02 PM
WE provide you the UAD data, WE should have FREE access to it. More accurate appraisals and increased transparency should be the goal for all!
1280Thomas TannerCT11/12/2014 2:02 PM
1279Robert ParkerGA11/12/2014 2:02 PM
1278Larry PinkertonNC11/12/2014 2:02 PM
1277DENNIS MCLOUGHLINNC11/12/2014 2:02 PM
1276Diana NytkoCT11/12/2014 2:02 PM
1275Kenneth BarberCA11/12/2014 2:02 PM
1274Terri GallWA11/12/2014 2:02 PM
1273Bill WheatTX11/12/2014 2:01 PM
1272Daniel CoffeyOH11/12/2014 2:01 PM
Open and honest is the best policy for all parties involved. Stop making the appraiser's the last to know, while being the most liable. Doesn't make sense.
1271william jacobsTX11/12/2014 2:01 PM
the knee jerk reaction to what wall street, lending institutions, brokers and don't forget our elected representatives did to almost flush our country down the toilet will only be exasperated by continual recalibrating appraisal requirement. well in a few words it is needless and damaging. why don't we concentrate on campaign reform so these things or others don't happen in the future??????
1270Gary GallWA11/12/2014 2:01 PM
Equal access to all data the appraisers provide should be mandated.
1269charles kunzmannNY11/12/2014 2:01 PM
The more data available to an appraiser, The more credible the appraisal
1268Stuart SprattGA11/12/2014 2:01 PM
1267Kenneth BarberCA11/12/2014 2:01 PM
1266M Susan PryorTN11/12/2014 2:01 PM
I totally agree this data needs to be provided to appraisers at the beginning of the appraisal process. In doing so, this will ensure transparency and improve the process by reducing risk to lenders and the general public.
1265Bryan LongOH11/12/2014 2:01 PM
1264carolien coulterNC11/12/2014 2:01 PM
1263Dale LintCA11/12/2014 2:01 PM
1262Bryan LongOH11/12/2014 2:01 PM
1261tina lawheadFL11/12/2014 2:00 PM
Please add me to this online petition to allow appraiser access to the data that they provided through the UAD
1260Douglas WebbME11/12/2014 2:00 PM
1259michal amidonFL11/12/2014 2:00 PM
Please add me to this online petition to allow appraiser access to the data that they provided through the UAD
1258Jeff PedersenWA11/12/2014 2:00 PM
At least let appraisers in on the front end of this assessment so we don't have to figure out the Collateral Underwriter rules by trial and error.
1257Colin WakefieldTN11/12/2014 2:00 PM
1256JOHN DWYERMA11/12/2014 1:59 PM
1255Kim WhitingMI11/12/2014 1:59 PM
1254Joseph ClancyIL11/12/2014 1:59 PM
1253Robert GrahamCA11/12/2014 1:59 PM
1252Gerald SautterOH11/12/2014 1:59 PM
1251Robin SmithLA11/12/2014 1:59 PM
1250Kris HeiserFL11/12/2014 1:58 PM
1249Gladys OeiCA11/12/2014 1:58 PM
1248Andrew CloseCA11/12/2014 1:58 PM
1247William WilsonTX11/12/2014 1:58 PM
1246Kenneth GrahamCA11/12/2014 1:58 PM
1245Andrew NeevesVA11/12/2014 1:58 PM
1244Bruce LAZARPA11/12/2014 1:58 PM
the opportunity to rectify or explain is paramount! this industry needs a voice to lobby for us. the regulations and lack of pay increases to cover the additional work needed to be in uad compliance is truly insulting.
1243Cliff R. TroyanskyNY11/12/2014 1:58 PM
It would be beneficial to all parties involved in the process to have access to this data. There would be less requests for changes if the appraiser had this information PRIOR to submitting reports to clients.
1242Michael OlsenUT11/12/2014 1:58 PM
1241Jesse MesserUT11/12/2014 1:58 PM
1240Ronald CaruthersFL11/12/2014 1:57 PM
1239Adele SchnabelNJ11/12/2014 1:57 PM
This appears to be more punitive than productive! If the industry really cared about the quality and true appraisal values, this information would be made available AT NO COST. This appears to be the start of a new money making industry.
1238Alisa DeliceMD11/12/2014 1:57 PM
1237David IvinskasMI11/12/2014 1:57 PM
1236Timothy CallahanTN11/12/2014 1:57 PM
If the purpose of this is public service and higher quality appraisal reports this data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
1235Michael FedirkoMI11/12/2014 1:57 PM
1234Dewey Lane GibsonMS11/12/2014 1:57 PM
To have access to FSBO data would be HUGE in Mississippi.
1233John HarmonAR11/12/2014 1:57 PM
1232Clint SullivanWV11/12/2014 1:57 PM
1231Steven WinterCA11/12/2014 1:56 PM
1230Nancy LacerdaMA11/12/2014 1:56 PM
1229don peakerWA11/12/2014 1:56 PM
Every report we do will be automatically reflagged as we appraise in a 6,600 sq mile area with only about 9 people per sq MILE!!! That right..only 2 families per sq mile. I can't in any way beleive that this will be a good thing for us.
1228Neal JacobsCA11/12/2014 1:56 PM
1227Thomas SineathFL11/12/2014 1:56 PM
It would be good to know in advance to what will your work is compared.
1226James DunnWA11/12/2014 1:56 PM
It appears that this is going to be used as "MAEBL" - Master Appraiser Evaluation & Black List. If an appraiser does not fall within the Computer Model he/she is put on the "MASTER DO NOT USE LIST."
1225Dave SovereignNE11/12/2014 1:56 PM
1224Dean KellyPA11/12/2014 1:55 PM
1223Jeffrey JorgensenUT11/12/2014 1:55 PM
Everyone benefits from the appraiser having the best data to work with.
1222Robert BrownNC11/12/2014 1:55 PM
1221Donna ArcherMO11/12/2014 1:55 PM
1220Judith WinterCA11/12/2014 1:55 PM
1219Michael FitzpatrickFL11/12/2014 1:55 PM
Who didn't see this coming? Data mining could have only one result and FNMA the tools to destroy any appraiser's career and years of work and I believe it has the potential to destroy the appraiser industry. (Notice I didn't use the word "Professional" as I don't believe we're regarded as such anymore.) Take pictures of running water? A light bulb? and now prove every adjustment. Good luck with that. I predict that there will be many fewer adjustments and well-maintained/upgraded properties will be appraised lower than they should be and vice versa for deficient properties which will be appraised higher than they should be.
1218Chatles TuttleCO11/12/2014 1:55 PM
1217Lanny WilkersonTX11/12/2014 1:55 PM
1216Richard DeardorffOH11/12/2014 1:55 PM
1215Robert ValentinCA11/12/2014 1:54 PM
1214PHILIP MALLILONY11/12/2014 1:54 PM
1213James ConnellyIL11/12/2014 1:54 PM
1212Tim GoessmanFL11/12/2014 1:54 PM
The next step in automation of the valuation process. I can only point out the previous automation tools developed by the GSE's nearly 20 years ago. DeskTop Underwriter (DU) and Loan Prospector (LP). Real live Underwriters became nearly obsolete in the following years and how did the loans made from 2003 - 2007 work out ? Already the GSE's are instructing appraisers to report all markets to be homogenous in almost every respect. Regardless of the obvious truth that all markets, especially the real estate market, is imperfect. Are appraisers on the same path of exinction as mortgage underwriters, probably.
1211Robert TaylorWA11/12/2014 1:54 PM
Absolutely it must be a requirement that appraisers have access to their own data and the data of others, particularly if another appraiser has actually inspected a property that we are using as a comparable. Any of us are only as good as the accuracy of the data we are using in our reports.
1210Dudley TysonME11/12/2014 1:54 PM
1209Anthony SciscioliNJ11/12/2014 1:54 PM
It is clear by the number of comments that appraisers are fed up with being taken advantage of. Under paid and over regulated
1208Michelle KroitzshME11/12/2014 1:53 PM
1207Jimmy MorseNC11/12/2014 1:53 PM
An ounce of prevention is worth a pound of cure! If the goal is to have the highest quality appraisals possible it seems prudent that the appraiser be a part of the complete process.
1206Steven ProtheroeNV11/12/2014 1:53 PM
It appears to be another outside influence on the appraiser opinion possible resulting in loss of work or even their license. If it is going to go into effect then the appraiser should be able to see the "score" of the appraisal before sending so there is an opportunity to correct or comply before being submitted.
1205Jeffrey BreidensteinNY11/12/2014 1:53 PM
This data must be provided to appraiser's for transparency and to help improve appraisal quality.
1204Brian GanderVA11/12/2014 1:53 PM
1203Tammie ScheibPA11/12/2014 1:53 PM
1202William ColeUT11/12/2014 1:53 PM
1201Jeffrey GutheilWA11/12/2014 1:53 PM
1200Keefe TidwellAZ11/12/2014 1:53 PM
1199Gregory HobaicaNY11/12/2014 1:53 PM
1198Tim CressNC11/12/2014 1:52 PM
It seems that the government is trying to work their way in to more businesses as well as our private lives. I am one who believes that we need less government and less regulation. History has proven time and time again that the government cannot operate anything efficiently and the last thing the government needs to do is to be in the banking business.
1197Michael LoweryAL11/12/2014 1:52 PM
All appraiser's need the ability to view the UAD data provided to the lenders, and possibly AMC's, that would use this information for or against the appraiser. This is simply a "right to know" what information has been gathered and the potential use of this information.
1196Hoyt BaileyGA11/12/2014 1:52 PM
1195angela hobbsFL11/12/2014 1:52 PM
1194William MillettWA11/12/2014 1:52 PM
It's about time, this has cost appraisers a lot of unnecessary time, expense, disinformation, in doing our job .
1193Joseph BruneauNC11/12/2014 1:52 PM
Various and numerous private and or public entities, companies, etc. have for years, been collecting the data we provide in our reports and using it to their own benefit and profit with no compensation provided to the original source of the data, the Appraiser. At a minimum, we should have access to the entire pool of data. Preferably, we should all be compensated specifically for providing you with the data necessary to your UAD endeavors.
1192Debra LeaftyMD11/12/2014 1:52 PM
I think the appraisers should have access to all their own appraisals and see how they are being reviewed.
1191Donald TreadwellMI11/12/2014 1:52 PM
1190Andy MartindaleIA11/12/2014 1:52 PM
1189John HammWI11/12/2014 1:51 PM
If the true goal is ensure higher quality and more accurate appraisals, then access to the UCDP data by appraisers is the most important and critical step necessary toward that end. Let's show all parties involved that the goal is reducing risk through enhanced/improved collateral analysis and valuation, not the elimination of the appraiser's dedication and developed skills from the mortgage lending process. Open UCDP to appraisers as immediately as possible. If this program is really about improving quality and minimizing risk, there should be no good reason NOT to allow appraisers access to the data to improve consistency and reduce risk of conflicting data. This will only add to the appraiser's already increased level of scrutiny, liability and ever increasing scope creep while fees have declined. One wonders why a tool was developed to improve the appraisal process and then withheld from those who have the most input on an appraisal. I copied and pasted these statements from other Appraisers, so I can not take credit for the truthfulness, but agree with everything that is stated.
1188Nancy MoringAR11/12/2014 1:51 PM
It is evident by our research that the only information that is truly correct is the information obtained from a physical inspection. Yet, we are continually measured against county records and MLS (Real Estate Agents) neither of whom are held accountable for their data. Please make the data collected through UAD available to those of us who are required to use it and held accountable for the accuracy of the information we use.
1187James CaramanelloCT11/12/2014 1:51 PM
1186monir moshashaieVA11/12/2014 1:51 PM
1185Mona PattersonNJ11/12/2014 1:51 PM
1184Janet ArbeterPA11/12/2014 1:51 PM
1183Robert McCutcheonNC11/12/2014 1:51 PM
1182Brian Estes TN11/12/2014 1:51 PM
1181JEFFREY MARCELYNASCT11/12/2014 1:50 PM
Please allow access to the data I helped provide.
1180David BurrupCO11/12/2014 1:50 PM
1179Regina LankfordMD11/12/2014 1:50 PM
It's easier to address questions that might arise from the beginning rather than after the appraisal is done. It will benefit the whole process by providing, the appraiser, the data that the CU is going to compare against our appraisals.
1178Tony ParkinsonUT11/12/2014 1:50 PM
1177Tammy DyeTN11/12/2014 1:49 PM
1176Donald DonkNY11/12/2014 1:49 PM
I find it very unnerving that FNMA is treating appraisal professionals as 'outsiders' and taking yet another step to alienate the profession. It would make much more sense to allow access to the Collateral Underwrite to appraisers BEFORE they send the report to the lender, which could in turn improve the quality of the appraisal instead of FNMA taking the 'Gotcha' approach of only allowing access to the lenders.
1175Sonia McNairCA11/12/2014 1:49 PM
1174Richard NegroPA11/12/2014 1:49 PM
The database should be open to all appraiser's at no cost, withholding the data is counterproductive. As far as rating an appraisal for risk, the GSE must recognize that risk does not equate to fraud or quality of the appraisal. An appraisal is a problem being solved by a professional, which in many cases requires actions that are beyond FNMA and industry best practices and or guidelines. These actions may increase the risk factor in an appraisal, but are not factors that relate to quality or accuracy. The loan should be priced based on risk actors including the appraisal, the appraiser should not be penalized for appraisal that fall outside of industry guidelines.
1173Dustin RobinsonOR11/12/2014 1:49 PM
1172Burkhard KleinFL11/12/2014 1:49 PM
It is essential to allow appraiser access to that.
1171Seth RobertsVA11/12/2014 1:49 PM
1170Yves BouwensHI11/12/2014 1:48 PM
1169Jim GarrettFL11/12/2014 1:48 PM
Every appraiser should have the best tools available for property evaluations instead of being held hostage by the sometimes erroneous or paltry info provided in the local MLS by realtors, whom are not held to the same level of scrutiny or accountability for their input as I am.
1168Thomas GayleLA11/12/2014 1:48 PM
1167Janice RidgewayGA11/12/2014 1:48 PM
1166David BurrupCO11/12/2014 1:48 PM
1165Tommie CrowellTX11/12/2014 1:48 PM
Texas is a very strict non disclosure state; therefore, access to this information would actually enhance the intent and usefulness of the UAD program.
1164Richard RasmussenID11/12/2014 1:48 PM
1163Victor DaddisFL11/12/2014 1:48 PM
1162John BonatoMD11/12/2014 1:48 PM
Appraising used to be fun and enjoyable, now its misery. UAD and its secrecy is horse manure! All of us appraisers were good appraisers until all this regulation, now all we do is make corrections. The CU will just add more thankless work hours! Get out of our Profession. Its Pathetic!!!!
1161Thomas GayleLA11/12/2014 1:47 PM
1160Kent WilkeyUT11/12/2014 1:47 PM
1159Juan VuittonetID11/12/2014 1:47 PM
1158William WebsterCO11/12/2014 1:47 PM
This is most important so that if the local market is not fitting into an automated process that may take into account information that is not relevant to the present appraisal problem, it benefits all that any concerns or differences be addressed up front and an appraiser that may have done an exemplary job is not considered guilty until proven innocent. Thanks you.
1157Alan GjengdahlMN11/12/2014 1:47 PM
Spread the love, and the data.
1156Sheri WarnerWV11/12/2014 1:46 PM
1155Karen WhiteMI11/12/2014 1:46 PM
1154William McLeanNH11/12/2014 1:46 PM
That data collected and submitted as required can serve as an effective tool for appraisers in providing quality appraisals. To not allow appraisers access to this data set would be a disservice to the appraisal industry that the GSE's rely upon. The ethics of denying appraisers access would be very questionable.
1153Debra SearsIN11/12/2014 1:46 PM
Once again the good appraiser takes the hit for the bad appraiser. A computer cannot assess a physical property. All the data available (TAX CARDS, MLS) are entered by humans that DO not assume responsibility for the work, actions and do not have any thing to risk if is incorrect.
1152Adam ConnollyNC11/12/2014 1:46 PM
Outside of the reason that appraisers supplied the data, why wouldn't everyone involved want each of us to have the absolute very best data available to perform our jobs and support our economy via the housing market; utimately, the public/American taxpayer? Less mistakes would likely be made, more difficult jobs might be a bit easier to understand in less time. Why are we using this data solely on the back end? The universal use of this information by all parties involved will not only save time, it will save money in the short and long run.
1151Ann LoRussoFL11/12/2014 1:46 PM
I don't mind at all having reports underwritten, but of course we should have transparency! If we are to be judged, it should not be behind our backs! This should be a team effort to ensure quality reports!
1150James WallaceNC11/12/2014 1:46 PM
Please let us work together and cooperatively to improve all aspects of the mortgage lending process.
1149Sharon HendricksonNE11/12/2014 1:46 PM
1148Mike PlumleeTX11/12/2014 1:46 PM
1147Jeffrey LaspinaPA11/12/2014 1:46 PM
1146brian KirkseyMI11/12/2014 1:45 PM
1145Brandon SheriffTN11/12/2014 1:45 PM
1144Dennis AndersonTX11/12/2014 1:45 PM
1143Thomas AndersenMN11/12/2014 1:45 PM
Lets start sticking up for appraisers.
1142Alan R SchwarzPA11/12/2014 1:45 PM
Fannie Mae needs to improve the appraisal process by allowing appraisers the information that has been gathered. This will allow appraisers to work with Fannie and not feel that our license is always in jeopardy.
1141Kathy BrichWI11/12/2014 1:44 PM
1140Randy WaiteSC11/12/2014 1:44 PM
1139Mark FitzgeraldCT11/12/2014 1:44 PM
1138Deborah LeaftyMD11/12/2014 1:44 PM
1137Daniel KirklandGA11/12/2014 1:44 PM
1136Christee StylesCA11/12/2014 1:44 PM
To reiterate: This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public. Thank you for your consideration.
1135Lisa GilmanMA11/12/2014 1:44 PM
1134Keith GladdNJ11/12/2014 1:44 PM
1133Robert KendallOH11/12/2014 1:43 PM
1132Daniel BukowskiOH11/12/2014 1:43 PM
Thank You
1131Luis ValdesFL11/12/2014 1:43 PM
1130Joseph HansonMI11/12/2014 1:43 PM
1129Donald PickRI11/12/2014 1:42 PM
As a Certified Real Estate Appraiser, I and my colleagues should have access to the data in the Collateral Underwriter System. Not giving access to this data to the appraisers is totally unfair, is not in the interest of the pubic, appraisers and goes against the principles of open society. We need to be assured that the data that is put into the CU is accurate and correct and that we have a right of rebuttal and appeal. This policy is unfair and short sighted.
1128Ernest PittmanFL11/12/2014 1:42 PM
Ditto to the 871 petitioners before me & Amen!
1127Robert HixsonUT11/12/2014 1:42 PM
1126Brad JonesAL11/12/2014 1:42 PM
1125Brandon RevelsNC11/12/2014 1:42 PM
1124Camille DarlingtonCA11/12/2014 1:42 PM
1123Kit Kiser Jr.FL11/12/2014 1:42 PM
I would appreciate any product and / or service that could be used as a tool to assist me in providing the highest quality appraisal services possible. It seems to me Fannie Mae should be more concerned with the development of quality appraisal products before there is a problem and less concerned with handing out punishment after the fact.
1122Wallace LeonardCA11/12/2014 1:42 PM
If this program is really about improving quality and minimizing risk, there should be no good reason NOT to allow appraisers access to the data to improve consistency and reduce risk of conflicting data. This will only add to the appraiser's already increased level of scrutiny, liability and ever increasing scope creep while fees have declined.
1121Jeffrey BlumAZ11/12/2014 1:42 PM
Since the data is "our data", how can one justify not to allow us to use it and then turn around and use it against us? Show me the data!
1120Gregory PongratzWI11/12/2014 1:42 PM
1119john johanidesNY11/12/2014 1:42 PM
considering this data was provided by appraisers not allowing appraisers access to the data they provided surely is short sighted in the quest for appraisal excellence
1118Kelli ClarkMI11/12/2014 1:41 PM
1117Deborah FiferFL11/12/2014 1:41 PM
It is vital that appraisers have access to this data especially if their performance is to be judged by it.
1116John CraneIN11/12/2014 1:41 PM
It is only right that the appraisers share the data, as it is no different from a MLS.
1115Joanne FoosePA11/12/2014 1:41 PM
We should all work together in the appraisal process, and we should be able to obtain this information in order to check on our own appraisals and that of others.
1114Lynn TuckerUT11/12/2014 1:41 PM
1113William FinlayAL11/12/2014 1:41 PM
1112Richard TaylorVA11/12/2014 1:41 PM
The playing field needs to be level for all participants in mortgage lending. If lenders, including Fannie & Freddie, have data that will useful to appraisers, we need to see it upfront and not after the fact. This will streamline reviews and reduce delays for corrections. It obviously will make our work all the more accurate, which I assume is the goal.
1111richard redingerNM11/12/2014 1:41 PM
1110John StoneAR11/12/2014 1:41 PM
1109Fred BakerTN11/12/2014 1:40 PM
1108Robert MossutoWA11/12/2014 1:40 PM
The data within this database has been provided and collected from appraisers in their respective communities. At present it appears the intent is to provide the data to lenders/investors, but not to appraisers. Therefore, I would ask if this is a ploy to chastise/oust more appraisers from the profession, eventually leading to complete extinction of the current valuation system, so big brother can do as they please. Wonder how that affects public confidence? Appraiser provided input should be made available to those that have provided it! This can only improve valuation as we know it!
1107Chris HenryMN11/12/2014 1:40 PM
1106Marc DentonMI11/12/2014 1:40 PM
1105Matthew RoderiguesCA11/12/2014 1:40 PM
1104James ZerbiMI11/12/2014 1:40 PM
If the goal is to help protect the financial system by improving the quality of appraisals used by lenders, then appraisers MUST have access to the Collateral Underwriter before an appraisal is turned in. It makes no sense at all to deny such access to the appraiser community.
1103George UlshPA11/12/2014 1:40 PM
1102Pete DziawuraAZ11/12/2014 1:40 PM
1101Joe VersenSC11/12/2014 1:40 PM
1100Cara Dalton-LarueMO11/12/2014 1:39 PM
This is not in the best interest of any lender to keep this data from the appraiser. The condition of a comparable or subject is subjective at best from the START. Grading and black listing appraisers during the collection of data & the UAD format is yet another assault on the appraiser and the industry as a whole. We have had our livelihoods taken away, we are continually beset on all sides with new rules, but the loan originators and mortgage companies are the ones who require no new rules, no new licensing requirements? I don't see the bankers having to take 48 hours of continuing education to keep their licenses, I don't see bankers in fear of every loan they make of being sued and blacklisted? Destroy the ones who protect you first....AMCs run rampant with NO accountability, yet the few hundered of us per state are constantly in fear with each report of blacklisting, with no recourse and no explanation. Why don't the banks take some of the pressure? They are the ones who sign the loan papers,giving the money away to people with no credit scores! We are more heavily licensed and regulated than doctors, who hold life in their hands EVERY DAY! We are the only skilled profession who cannot set their own industry fees, build a reputation based with in our industry of clients. The government steals our information, which is subjective, creates a few categories, and then blacklists us on what agents put in their MLS listings and photos. It is enough that every year, each state is losing up to 60 appraisers, yet the banking industry gets stronger and bigger. It is in your interest to give us access to the storehouses of data you have been taking from our reports, if you are going to destroy one person for it, we should at least have access to it.
1099Linda SlocumOR11/12/2014 1:39 PM
1098Susan WalkerNH11/12/2014 1:39 PM
1097Beverly GeyerNH11/12/2014 1:39 PM
1096Bill HeineMN11/12/2014 1:39 PM
1095George UlshPA11/12/2014 1:39 PM
1094Simon RaklerNJ11/12/2014 1:39 PM
1093Sean WilsonGA11/12/2014 1:39 PM
1092Richard WessingCA11/12/2014 1:39 PM
1091Kurt BrownDE11/12/2014 1:39 PM
exactly what we need. you can not hold us responsible for data that we do not have. You go.
1090Floyd SandersCO11/12/2014 1:39 PM
1089Anthony RaceOH11/12/2014 1:39 PM
1088Mark ZieglerWI11/12/2014 1:39 PM
Couldn't be built without our data. But when, as of late, has the obvious worked with GSE's? Seems the only thing they like to share is the fruit (debt) of their incompetence.
1087David WiseOH11/12/2014 1:38 PM
1086Jeff McMurchieMN11/12/2014 1:38 PM
In order for our appraisals to be more accurate we need access to this data bank. Isnt it the Fannie Mae's goal to keep the mortgages secure? What better way to improve the quality than to give the data to the person who is actually doing the valuation.
1085Randy JonesNC11/12/2014 1:38 PM
I support the efforts to gain access for appraisers. The intent is the provide a better product and providing access will do this.
1084Scott BaczkiewiczMI11/12/2014 1:38 PM
1083Allan SaghiCA11/12/2014 1:38 PM
1082scott thomasNC11/12/2014 1:38 PM
1081Martyn HolgateCA11/12/2014 1:37 PM
1080Julie Burkart, SRANV11/12/2014 1:37 PM
1079James RitchieFL11/12/2014 1:37 PM
1078Christopher WilsonUT11/12/2014 1:37 PM
1077Chris PierceMI11/12/2014 1:37 PM
1076James ArmourMO11/12/2014 1:37 PM
1075Douglas KussCA11/12/2014 1:37 PM
We should be entitled to all information that is done as a review of our appraisal reports and by whom and when, why and how.
1074Christopher TrimmerOH11/12/2014 1:37 PM
1073Sherry RockwellWI11/12/2014 1:36 PM
1072Skimble KimbleNY11/12/2014 1:36 PM
Thank you for putting this out there.
1071Thomas DragichCA11/12/2014 1:36 PM
1070Jeffrey HomanCA11/12/2014 1:36 PM
If our work is to be compared with other appraisals and other appraiser’s perceptions of quality and condition ratings and other adjustments, how do we know their information is accurate without having it to review? How do we know if they have performed the same due diligence in their verification of the market data and MLS listings? How many times is MLS inaccurate requiring manual correcting of the data when transposed to the report? Why don’t we simply make every state have an independent Certified Review Appraiser license and every report have to be reviewed by a Certified Review Appraiser? They can be provided the verification tools and make the judgment calls as to the quality and accuracy of the appraisal maintaining appraiser independence. Attorneys are required to share evidence before a trial. How can we stand to be prosecuted for alleged violations if we can’t review and address the potential sources instigating the potential violation and explain the reasoning for differences in our report?
1069Gregg HaarerFL11/12/2014 1:36 PM
1068Steven JonesUT11/12/2014 1:36 PM
1067Jeff HomanCA11/12/2014 1:36 PM
If our work is to be compared with other appraisals and other appraiser’s perceptions of quality and condition ratings and other adjustments, how do we know their information is accurate without having it to review? How do we know if they have performed the same due diligence in their verification of the market data and MLS listings? How many times is MLS inaccurate requiring manual correcting of the data when transposed to the report? Why don’t we simply make every state have an independent Certified Review Appraiser license and every report have to be reviewed by a Certified Review Appraiser? They can be provided the verification tools and make the judgment calls as to the quality and accuracy of the appraisal maintaining appraiser independence. Attorneys are required to share evidence before a trial. How can we stand to be prosecuted for alleged violations if we can’t review and address the potential sources instigating the potential violation and explain the reasoning for differences in our report?
1066Donald NolenFL11/12/2014 1:36 PM
1065Eileen CampagnaCA11/12/2014 1:35 PM
Transparency is key...Appraisers already have WAY too much liability!It's no wonder there are fewer and fewer choosing this career path. Over regulated and Under compensated.
1064Stacey AnfindsenNC11/12/2014 1:35 PM
1063Robert CarnelMN11/12/2014 1:35 PM
We deserve to see all the information too
1062William JansenIL11/12/2014 1:35 PM
1061Thomas DragichCA11/12/2014 1:35 PM
1060Bill PaulIL11/12/2014 1:35 PM
Are you kidding me? Get out of my data thiefs
1059Gregory ColtonMD11/12/2014 1:35 PM
If the true goal is ensure higher quality and more accurate appraisals, then access to the UCDP data by appraisers is the most important and critical step necessary toward that end. Let's show all parties involved that the goal is reducing risk through enhanced/improved collateral analysis and valuation, not the elimination of the appraiser's dedication and developed skills from the mortgage lending process. Open UCDP to appraisers as immediately as possible.
1058Christie BailiffFL11/12/2014 1:35 PM
1057Stephen SmithAR11/12/2014 1:35 PM
1056bruce andersonMI11/12/2014 1:35 PM
1055HENRY HOFFMANPA11/12/2014 1:35 PM
1054SCOTT C ANDERSONMA11/12/2014 1:35 PM
1053JESSE HOFFMANPA11/12/2014 1:35 PM
1052Larry BohnertIN11/12/2014 1:34 PM
This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
1051Joseph DuretteRI11/12/2014 1:34 PM
1050SCOTT C ANDERSONMA11/12/2014 1:34 PM
1049Michael TessinCA11/12/2014 1:34 PM
1048Daton GroteMO11/12/2014 1:34 PM
1047James DennyIL11/12/2014 1:34 PM
1046GW CorneliusTX11/12/2014 1:34 PM
1045Robert EarhartOH11/12/2014 1:34 PM
1044Inna StotlandCA11/12/2014 1:34 PM
1043Richard DesmaraisCO11/12/2014 1:34 PM
1042Gary MillerOH11/12/2014 1:34 PM
1041stacey anfindsenNC11/12/2014 1:34 PM
1040Kevin MaherFL11/12/2014 1:34 PM
1039Kimberley BurtonTX11/12/2014 1:34 PM
1038Thomas DragichCA11/12/2014 1:34 PM
1037Gerard OConnorNY11/12/2014 1:34 PM
1036Dale LeBlancAZ11/12/2014 1:33 PM
1035Dale RickertMI11/12/2014 1:33 PM
It would be a travesty to not make this information available to the appraisers who supplied the information in the first place. This tool would help the appraiser as well.
1034barry hempillNC11/12/2014 1:33 PM
1033Sharon VestTN11/12/2014 1:33 PM
Appraisers need to be included in this process and see all information in regard to an appraisal and the review of the appraisal.
1032John ConserOR11/12/2014 1:33 PM
1031Larry DavisMS11/12/2014 1:33 PM
1030Charles ClarkVA11/12/2014 1:33 PM
This is essentially stealing the fruits of an appraisers labor. If this data is important to the secondary market, then it is important to appraisers and should be shared with appraisers. Much of this data comes from sources that appraisers have to pay for. I pay over $400.00 every quarter for access to a MLS. The secondary market does not own the data they receive. It is provided for their use and may infringe on the copyright of appraisers and MLS systems throughout the country.
1029Jacob CrawfordWA11/12/2014 1:33 PM
Access should be free and available to all in the mortgage transaction including borrower's.
1028Edward WenzelMN11/12/2014 1:33 PM
1027James DaustFL11/12/2014 1:33 PM
1026Anghel AngeloCA11/12/2014 1:33 PM
1025Thomas DragichCA11/12/2014 1:33 PM
1024James SukiennikNY11/12/2014 1:33 PM
1023Shannon CulverWA11/12/2014 1:32 PM
1022Robert TottenTX11/12/2014 1:32 PM
1021Roberta LubchencoCO11/12/2014 1:32 PM
Appraiser need this data to improve transparency of properties being appraised
1020Gary RousseauMI11/12/2014 1:32 PM
1019Richard KennedyFL11/12/2014 1:32 PM
1018Michael PowersAZ11/12/2014 1:32 PM
One wonders why a tool was developed to improve the appraisal process and then withheld from those who have the most input on an appraisal.
1017Christi DeanCA11/12/2014 1:32 PM
1016donald bashamIN11/12/2014 1:32 PM
1015Mike RedlickCA11/12/2014 1:32 PM
1014Bob VanDerheydenPA11/12/2014 1:32 PM
1013Steve Ratcliff, Jr.MS11/12/2014 1:32 PM
1012John AragonCO11/12/2014 1:32 PM
1011Rodney LydenIN11/12/2014 1:32 PM
1010james jaworowiczWI11/12/2014 1:32 PM
Unless it is shared and truly use as a learning tool at the front of process - it is simply no more than a rolled up news paper used to punish the appraiser after the fact.
1009Steve SmithKS11/12/2014 1:32 PM
Yes...If it effects us then we need to have equal access to the info.
1008Robert TottenTX11/12/2014 1:32 PM
1007Darrell BachofenWI11/12/2014 1:32 PM
1006Terry RohrerMT11/12/2014 1:32 PM
The data and conclusions are being provided to lenders free of charge. I do not agree with some commentators that appraisers should be charged for this information. After all, the data that underpins this entire "thing" is the product of appraisers efforts, gained by requiring it be provided if appraisers want to remain in business. The clear intent, as so far described, appears to be punitive rather than helpful in any manner. It also has the underlying assumption that all the data is correct. I make an effort to analyze every sale I use, and I inspect them as well as possible. Has anyone done that with each data point in this trap?
1005David MacNicollNJ11/12/2014 1:32 PM
1004ERIC MICHAELNY11/12/2014 1:32 PM
I dont know why now Gov. Cuomo threw the baby out with the bath water, it seems to me that he had everyting needed to do something right but got it all wrong. Now what? Is the banks plan to squeeze every last appraiser out switch to AVM and use it for loan decisions? I can see 3 different AVM and 5 different values... Pick the one that fits your need and sell the loan, dont sweat it, us tax payers will cover the losses. Good job boble head Cuomo! Try working for one dollar before you screw up again. ABC = Anyone But Cuomo!!!
1003John PrattCA11/12/2014 1:31 PM
1002Donald BashamIL11/12/2014 1:31 PM
1001William SperoIL11/12/2014 1:31 PM
The access should be free.
1000Chris WhiteSC11/12/2014 1:31 PM
999Mark PelletierFL11/12/2014 1:31 PM
FNMA is corrupted just like the rest of our Federal Government and has no interest in the Appraisal Industry. I worked for FNMA for three years recently and the only interest they have is themselves. They should not be dictating any appraisal policy to appraisers and yes they need to be absolutely transparent or you can bet there will be fraud and in the end, appraisers will loose.
998Linda WinklerIL11/12/2014 1:31 PM
Appraisers need access to the data that THEY provided through the Uniform Appraisal Dataset in order to improve their appraisal reports. I wonder how lenders and realtors will respond when the UAD rejects thousands of appraisals for non-defensible reasons? Are realtors aware of this situation?
997Thomas CraneIN11/12/2014 1:31 PM
996Temple BrynNC11/12/2014 1:31 PM
Without a doubt, Fannie Mae will also be using this data as a way to blacklist appraisers, not being transparent will result ultimately in them using our own data against us.
995Tammy SarviMD11/12/2014 1:31 PM
994Brandon WhitcherNH11/12/2014 1:31 PM
993James MonteNJ11/12/2014 1:31 PM
Access to UAD appraisal data has the potential to improve appraisal quality.
992Mark ZellmerIL11/12/2014 1:31 PM
991Donald BashamIN11/12/2014 1:31 PM
990Christi BuieIL11/12/2014 1:31 PM
989John DanleyTX11/12/2014 1:31 PM
988Milton FreibergOH11/12/2014 1:31 PM
987Barry WilliamsFL11/12/2014 1:31 PM
986Joseph ConnellyCA11/12/2014 1:31 PM
someone please help our flailing industry
985David BerlinCT11/12/2014 1:31 PM
984Dawn O'LearyOR11/12/2014 1:30 PM
983Susan KuehnTX11/12/2014 1:30 PM
982Christie BailiffFL11/12/2014 1:30 PM
981Bryan MaggioMD11/12/2014 1:30 PM
980Jack McDanielsWA11/12/2014 1:30 PM
979Daniel DunnCA11/12/2014 1:30 PM
978Joelle BairdHI11/12/2014 1:30 PM
We should be trying to make our profession better & how can we improve if we do not understand our deficiencies. Therefore, access to the information can only improve the process for everyone.
977Mark PlummerME11/12/2014 1:30 PM
976Chris GossNC11/12/2014 1:30 PM
Charge appraisers for access - a Win-Win
975Wayne WhiteGA11/12/2014 1:29 PM
974FRED VANDER WALMI11/12/2014 1:29 PM
And I'm to be held liable for other appraisers gross negligence? your UAD for example may have 8 appraisers saying a property has 388 ft of water frontage because the 8 appraisers used the mls data. I checked the subdivision plat map and KNOW it has 198 ft of frontage. AND I HAVE TO EXPLAIN MY MISTAKE???? FU.
973Tom HornAL11/12/2014 1:29 PM
This will aid in transparency.
972Mark HastertMO11/12/2014 1:29 PM
Any additional tool we can access that improves our accuracy and the reliability of our appraisals would benefit all stakeholders.
971Susan MacDonaldFL11/12/2014 1:29 PM
970Sean DobsonCT11/12/2014 1:29 PM
969Anthony NettoNY11/12/2014 1:29 PM
968Vivian GarzoneNJ11/12/2014 1:29 PM
967Dino CupelliFL11/12/2014 1:29 PM
Firsthand knowledge of previous subject properties by appraisers could be a much more reliable data source than third-party software companies that appraisers currently rely on. This would increase the reliability and accuracy of our appraisals and should be shared with the appraiser population. After all the data is coming from appraisers and they should not be shut out from its use.
966MICHAEL HORRIGANMA11/12/2014 1:29 PM
No reason not to include us, most appraisers don't have the ability to create big data for their own files. If this is a tool improve the appraisal process there is no reason why we would not have access to this, otherwise appraiser will see this as a "gotcha tool". Our goal is serve the public through accurate appraisals so don't exclude us as we are the frontlines.
965Jeffrey GibneyIA11/12/2014 1:29 PM
964Robert SmithMI11/12/2014 1:29 PM
963Joyce WilliamsonID11/12/2014 1:29 PM
Transparency and review by professional appraisers of the data submitted and processed through FNMA's CU is imperative to ensure proper use of the correct data as intended by the professional appraisers writing the reports.
962Stephen FerraraNY11/12/2014 1:29 PM
961Robert LynchVA11/12/2014 1:29 PM
It is only fair and right that we appraisers have access to the data information.
960THOMAS KUSTAKMI11/12/2014 1:29 PM
959Alan DawsonHI11/12/2014 1:29 PM
I agree with Brett Hansen (signature #11). Couldn't have said it better.
958Gerald LawsonTN11/12/2014 1:29 PM
The government should be helpful instead of punitive. If I am to be policed, I should at least have access to the law I am policed with, in this case, the data.
957D. Becky McDaniel, SRACO11/12/2014 1:28 PM
956Wendy EisnaugleSC11/12/2014 1:28 PM
955Todd HavensAZ11/12/2014 1:28 PM
954Elden LangePA11/12/2014 1:28 PM
953Nicholas SammartinoRI11/12/2014 1:28 PM
952Joan MarlattCA11/12/2014 1:28 PM
This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
951Roger PackCO11/12/2014 1:28 PM
950Robert UpchurchNC11/12/2014 1:28 PM
949Travis BennettTX11/12/2014 1:28 PM
948Allen LarsenUT11/12/2014 1:28 PM
947Ryan TuftsGA11/12/2014 1:27 PM
946brian christieIL11/12/2014 1:27 PM
945Michael WhiteFL11/12/2014 1:27 PM
Thank you for your efforts! I agree whole heartedly the data must be provided firsthand to appraisers at the beginning of the appraisal process to ensure transparency and improving the process by reducing risk to lenders and the general public!
944Douglas SmithMA11/12/2014 1:27 PM
943John LoveMN11/12/2014 1:27 PM
942Ron MandatoDE11/12/2014 1:27 PM
941Michelle NietoNV11/12/2014 1:27 PM
940john clarkAL11/12/2014 1:27 PM
939Rob BairdFL11/12/2014 1:27 PM
We need access to this data to enhance the appraisal not replace the appraisal.
938Tim FeeneyFL11/12/2014 1:27 PM
937Debra JohnsonCO11/12/2014 1:27 PM
936Andy LeeCA11/12/2014 1:27 PM
935James HansenNV11/12/2014 1:27 PM
934Tim WeaverTN11/12/2014 1:26 PM
933Andrew RendellCO11/12/2014 1:26 PM
932Melvin BynumIL11/12/2014 1:26 PM
If this system is so transparent and reliable why not make it available to appraisers as well. With reliable data from the onset of an appraisal the process will certainly be improved and moved along at an faster pace. To use as a "gotcha" tool is patently childish
931Randall BrysonMO11/12/2014 1:26 PM
If the information we provide in the appraisals being submitted is being "shared" then sales information in their data bases should be shared with the appraisal community.
930Jimmie FarmerMO11/12/2014 1:26 PM
929Seymon HartzogLA11/12/2014 1:26 PM
Haven't you beaten us enough?
928Damon ChavezCO11/12/2014 1:26 PM
927Zhanna CrossFL11/12/2014 1:26 PM
926JOHN LEADERIN11/12/2014 1:26 PM
We need to unionize. Enough is enough.
925Steve OlesonOR11/12/2014 1:26 PM
I am for standardization and modernization of the lending process, including the valuation side of the industry. However, if we are to be held repsonsible for the data, we should have access to it to verify its accuracy.
924Judy UpchurchSC11/12/2014 1:26 PM
If we are going to be graded on our work, we should be able to see what the scores and comments are.
923Alan RobinsonOR11/12/2014 1:26 PM
Allowing appraisers access to this data will allow for more consistent and better appraisals and reports.
922Geoffrey PetersWA11/12/2014 1:26 PM
Access is a must!!!
921Lynn SilverthornCA11/12/2014 1:26 PM
We need transparency!
920Douglas SmithMA11/12/2014 1:26 PM
919Kristine TufaroCT11/12/2014 1:26 PM
With so many appraisers leaving the field because of drastic changes that always favor the bankers, isn't it time to take care of the appraisers and allow them the same access that others have? We provided it afterall!
918Amy CostonTX11/12/2014 1:26 PM
RE: Fannie Mae’s Collateral Underwriter (CU) This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
917Kelley HopkinsMA11/12/2014 1:26 PM
916Lisa DesmaraisCO11/12/2014 1:25 PM
915Patrick KlierTX11/12/2014 1:25 PM
This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
914Pamela FegleyOK11/12/2014 1:25 PM
913Donald LailTX11/12/2014 1:25 PM
912Efim GelfandCA11/12/2014 1:25 PM
911Gary CaldwellIA11/12/2014 1:25 PM
910Jeff HamricCA11/12/2014 1:25 PM
This is information that as the appraisers, we have a right to view our own data.
909Geoffrey PetersWA11/12/2014 1:25 PM
Access is a must!!!
908Jonathan Filson, SRA, AI-RRSGA11/12/2014 1:25 PM
I support this petition and agree that transparency would only help to promote public trust in our profession.
907Brett HansenUT11/12/2014 1:25 PM
It would seem to me that if Fannie Mae would like to improve the quality of appraisals and reduce risk, this would be an ideal tool to help in that effort. If they would rather increase appraiser stress levels and mete out punishment, then by all means don't provide the data to the appraisers that have supplied the data that they are using. That way the number of appraisers will continue to dwindle until they are totally reliant on something other than an appraisal to determine value for a property.
906Joseph GranatoPA11/12/2014 1:25 PM
905Linda StewartWA11/12/2014 1:25 PM
904Dax GurrUT11/12/2014 1:25 PM
903James CrossFL11/12/2014 1:25 PM
902Robin DuncanSC11/12/2014 1:25 PM
901Albert AbbottTX11/12/2014 1:25 PM
As Texas is a very strict non disclosure state, access to this information would actually enhance the intent and usefulness of the UAD program.
900Daniel GrayOH11/12/2014 1:25 PM
899Mike MangoCA11/12/2014 1:25 PM
It should be mandatory we have access to this information
898Terry GraffIL11/12/2014 1:25 PM
For the entire system to progress, appraisers should be informed and then allowed to have input. Your models will make no sense in my rural area and the process should include input from all involved. Especially the appraiser.
897Mark HansonMN11/12/2014 1:25 PM
896Khanh NguyenVA11/12/2014 1:25 PM
895Sharon DenhamWA11/12/2014 1:24 PM
894Bradley SmithGA11/12/2014 1:24 PM
893Mike GranberryCA11/12/2014 1:24 PM
892Barry LevineNJ11/12/2014 1:24 PM
891ANDREW DOTICA11/12/2014 1:24 PM
890Timothy YoungWA11/12/2014 1:24 PM
889Daniel StevensMD11/12/2014 1:24 PM
888Stephen BucknumOR11/12/2014 1:24 PM
887Martin WelchCO11/12/2014 1:24 PM
886Shawn BrubakerCA11/12/2014 1:24 PM
It's unfair to hold us to a standard, measure how well we meet the standard, then share the results with others, and exclude us from knowing the results.
885Adam BrynNC11/12/2014 1:23 PM
It is ridiculous that we provided this data and that we are not being afforded the opportunity to use it.
884Nancy HenryCO11/12/2014 1:23 PM
883DIANE LONGACREPA11/12/2014 1:23 PM
882Henerietta FraysierIN11/12/2014 1:23 PM
Appraisers are a significant part of the process and deserve equal treatment with all other components of the lending industry. We try hard to produce a good report of an accurate value estimate. As part of that we need feedback and input from those reading our work.
881George A. MalarkeyFL11/12/2014 1:23 PM
880Randall FullerTN11/12/2014 1:23 PM
879Ken VisserMI11/12/2014 1:23 PM
We want a better appraisal product more than FNMA , yet we are treated as though WE are the culprits here. Please help us to help you in reporting fairly and accurately. Putting Appraisers on a watch list does not make anything better. Thank you for your consideration.
878Thomas CottonKY11/12/2014 1:23 PM
877Carolyn DavisTX11/12/2014 1:22 PM
This appears to be a must for appraisers
876Gary IsamanMI11/12/2014 1:22 PM
Appraisers need all of the available data to best supply our lender/clients with the highest quality of work.
875Peter FerraroNY11/12/2014 1:22 PM
874EVERETT LANGPA11/12/2014 1:22 PM
873Lezlie FordAR11/12/2014 1:22 PM
Not allowing us access to our own data should be a class action suit.
872Edward DrostMD11/12/2014 1:22 PM
871David E ToledoFL11/12/2014 1:22 PM
870Edwin E FreemanTX11/12/2014 1:22 PM
Appraisers are sending this data to the GSE's and should have access to it.
869George MalarkeyFL11/12/2014 1:22 PM
868bill helsom helsomMI11/12/2014 1:22 PM
867Michael McKinleyCA11/12/2014 1:22 PM
We gather the information, we need to access it to accurately know the status of the comps we use. Of course, you only offer 6 categories, so if you have a C4 or maybe a C3, the value indicated maybe off 15%.
866john snyderMI11/12/2014 1:21 PM
I agree we should have access and transparency.
865harvey saverPA11/12/2014 1:21 PM
864Richard Danek NE11/12/2014 1:21 PM
863Thomas CottonIL11/12/2014 1:21 PM
862Djafar SonboliCA11/12/2014 1:21 PM
I’m all for improvements, but transparency is the key!
861Bruce FlanaganMD11/12/2014 1:21 PM
A transparent process benefits all.
860Jeffrey DanekNE11/12/2014 1:21 PM
859David RobertsonVA11/12/2014 1:21 PM
858Jacob GeringerMO11/12/2014 1:21 PM
857Frank RiessNY11/12/2014 1:21 PM
Attempting to fit everything in a "box" is what caused the mortgage bubble and got us where we are today. And now we are trying to fit everything (C2, Q3) in the same little box again to make sure we don't go back there. Big government at it's best...
856George MalarkeyFL11/12/2014 1:21 PM
855Thomas CottonKY11/12/2014 1:21 PM
854CHAD AICHERID11/12/2014 1:21 PM
853Daniel SmithAZ11/12/2014 1:20 PM
852Louis FusaroNJ11/12/2014 1:20 PM
851Cesar VargasFL11/12/2014 1:20 PM
850Christopher ChrisawnNC11/12/2014 1:20 PM
849Roger Lane TX11/12/2014 1:20 PM
848Joseph KochAZ11/12/2014 1:20 PM
847Gerard CalongneLA11/12/2014 1:20 PM
846Ross ForoMN11/12/2014 1:20 PM
845Michael A. MartinIA11/12/2014 1:20 PM
Without a doubt we NEED this information. All of the information has been provided by us (the appraisers) and its compilation is not only necessary, but imperative that we have access to ensure quality and accurate products to the client. That is the purpose of its collection, is it not?
844HENRY HEBERTTX11/12/2014 1:20 PM
843Dawn MillerMD11/12/2014 1:20 PM
842Kermit CompeauCA11/12/2014 1:20 PM
data gathered by appraisers should be accessible by appraisers.
841Edward LigginsKS11/12/2014 1:19 PM
840diana kanitzNV11/12/2014 1:19 PM
It seems as though the powers that be are just looking for more ways to shift responsibility and blame as opposed to truly looking to make improvements to the valuation process and increase its accuracy. If you were truly interested in improvement and accuracy you would provide this information to the very source of your information--the appraiser
839Brian HartzogIN11/12/2014 1:19 PM
838David AllenVA11/12/2014 1:19 PM
837Gerard CalongneLA11/12/2014 1:19 PM
836Doug JividenTX11/12/2014 1:19 PM
835Michael Terruso SRNJ11/12/2014 1:19 PM
834David TaylorCA11/12/2014 1:19 PM
It's our data and we should have access to it.
833Ellie ClarkMT11/12/2014 1:19 PM
832Jody RennerNE11/12/2014 1:19 PM
831Edward LigginsKS11/12/2014 1:18 PM
830Kimberly DeFilippisAR11/12/2014 1:18 PM
These efforts appear to be advancing toward removal of appraisers from the valuation process.
829Michael HouserCO11/12/2014 1:18 PM
828Dylan WoodTX11/12/2014 1:18 PM
827Steven SachsDE11/12/2014 1:18 PM
826Brian DAcontiNJ11/12/2014 1:18 PM
825Joyce AlexanderOH11/12/2014 1:17 PM
824Michael McCormickGA11/12/2014 1:17 PM
823Kevin MasseyCO11/12/2014 1:17 PM
822Janet WhiteIL11/12/2014 1:17 PM
821Jeffrey BeloteVA11/12/2014 1:17 PM
820Jacki MoyaCA11/12/2014 1:17 PM
819Jeremy KimbleWV11/12/2014 1:17 PM
818Susan JohnsonFL11/12/2014 1:16 PM
816Janet IbbetsonNY11/12/2014 1:16 PM
815John GormanCA11/12/2014 1:16 PM
814Kelly PreisserCO11/12/2014 1:16 PM
813Kevin HowellCA11/12/2014 1:16 PM
812Janet WolfeCT11/12/2014 1:15 PM
811Helen SaghyMD11/12/2014 1:15 PM
810Matthew HesterFL11/12/2014 1:15 PM
809Devin ChapmanNC11/12/2014 1:15 PM
As the unbiased, independent, 3rd party, appraisers have the right to, at times, be wrong. We of course strive to be as accurate and thorough as possible, but the CU seems to essentially demand 100% perfection. I, as does every other appraiser I've ever had a conversation with, do in fact welcome any tool, class or anything else that will help make us better appraisers. So how does the CU help to make us better appraisers?
808Jason BreseeNV11/12/2014 1:15 PM
807Michael UlmanGA11/12/2014 1:15 PM
806John UrubekIL11/12/2014 1:14 PM
Transparency promotes and benefits the public trust.
805David MaddoxNV11/12/2014 1:14 PM
804John CrossFL11/12/2014 1:14 PM
803Mike DaltonTN11/12/2014 1:13 PM
802Margie FriersonAZ11/12/2014 1:13 PM
801John StirlingME11/12/2014 1:13 PM
800Nick JohnsonMD11/12/2014 1:13 PM
799Kevin IrelandPA11/12/2014 1:13 PM
Appraisers should have been given first consideration with this data. UAD information should be shared by all, not used to punish honest appraisers. We appraisers are out there on the front line risking our necks trying to provide an honest opinion of market value using the data available to us. Give us the additional tools that will help us do the job right in the first place instead of trying to regulate the process on the back end and leave us appraisers out in the cold holding the bag.
798CALLIE McDade-StellGA11/12/2014 1:13 PM
797Stephanie HelmsGA11/12/2014 1:12 PM
796kenneth j cook-mcknightCA11/12/2014 1:12 PM
795Larry WiseIN11/12/2014 1:12 PM
Just another item to squeeze us out. I am not interested in any of it! I pay my MLS system for the access to the system.
794Josh WitherellWA11/12/2014 1:11 PM
793Kathy NormanCA11/12/2014 1:11 PM
If a weapon is to be used against us, we should at least know what it looks like.
792Kirk KraschelOR11/12/2014 1:11 PM
791Laura HullMO11/12/2014 1:11 PM
The more information, and the better information we have, the better job we can do, this is in every ones best interest!
790Damon SmithGA11/12/2014 1:10 PM
789David BurnsFL11/12/2014 1:10 PM
788Patrick MayerMI11/12/2014 1:09 PM
787John AllenIL11/12/2014 1:08 PM
786Max KrausCO11/12/2014 1:08 PM
785CASSIAN PETRELLAMI11/12/2014 1:02 PM
784CAROL JONESOH11/12/2014 12:56 PM
This doesn't appear to be fair to the appraisers. If they are using their own data base why should it be a secret regarding the information they have. Maybe another form could be added to the UAD report. Why is it being done this way?
783John SvetlikCA11/12/2014 12:53 PM
Appraisers should have been given first consideration with this data. It's common sense. We are out there on the front line risking our necks to protect the public and the financial system. Give us the tools that will help us do the job right in the first place instead of trying to regulate the process on the back end. It's a tremendous waste of time and money for all.
782Minh DichCA11/12/2014 12:46 PM
781Chris T. NunoCA11/12/2014 12:44 PM
It is bad enough the Government stopped individual appraisers their constitutional right to deal directly with banks. They created a system to mine information we turn it after being forced to split fee with AMC's. They probably will screw appraisers again and not let us have access to our information. The Government and the Banks may wonder why there are so few young people going into appraising. They even have the nerve to complain older appraisers are not training new ones. And for what? So the new appraisers can make the fees'we got 20 years ago? It is all bullshit! Chris T. Nuno
780Judith Maves-KlattWA11/12/2014 12:36 PM
779Cynthia MayhewCA11/12/2014 12:34 PM
UAD information should be shared by all, not used as a weapon.
778Troy NordahlCA11/12/2014 12:34 PM
777Joni LaytonFL11/12/2014 12:33 PM
776John RustingCA11/12/2014 12:32 PM
775Stacey SavidgeIL11/12/2014 12:30 PM
774Juan ZamudioFL11/12/2014 12:28 PM
773John DartCA11/12/2014 12:28 PM
772CAROL WATTSFL11/12/2014 12:27 PM
771kevin harriganCA11/12/2014 12:27 PM
770Camie McDonaldCA11/12/2014 12:26 PM
769JASON CROCKETTFL11/12/2014 12:21 PM
If Fannie Mae's (CU) is to be used as an appraisal review, it appears an obvious violation of USPAP Standard Rule 3. Rather the (CU) should be used as a data tool to further assist appraiser's in developing a credible report in the beginning of the process.
768Christie BondMI11/12/2014 12:14 PM
767Danny WilsonMO11/12/2014 12:04 PM
Due to some of the states being non disclosure states and when FSBO owners sell it would be good that appraiser could get that information that was provided by other appraisers. Please share the data
766Gary CrabtreeCA11/12/2014 11:55 AM
765Rajeev KaushalNJ11/12/2014 11:53 AM
764Frederic GirardCA11/12/2014 11:52 AM
763Michael WeihofenCA11/12/2014 11:48 AM
762Marshall CrawfordCA11/12/2014 11:48 AM
761LaRae HendersonNM11/12/2014 11:46 AM
760Cynthia SchwarzNE11/12/2014 11:45 AM
759Carol HolmquistCA11/12/2014 11:43 AM
758Paula SalingCA11/12/2014 11:36 AM
Please share the data with the appraisers.
757Charles HicksCA11/12/2014 11:34 AM
756Thomas AlbertCA11/12/2014 11:31 AM
As a reviewer, I have noticed that appraisers make, and/or, omit data. Having the appraiser receive feed-back, i.e. the appraisal report, it would give an opportunity to the appraisers to improve their skills.
755Daniel BustinduyCA11/12/2014 11:30 AM
I agree with the statements made above.
754KEVIN HOANGCA11/12/2014 11:29 AM
753Pam WNY11/12/2014 11:28 AM
752David PollockWA11/12/2014 11:25 AM
Every bit of information available to a property should be available to the appraiser to assit in providing the best service to the client.
751William MannionIL11/12/2014 11:24 AM
750Jim MoylanPA11/12/2014 11:24 AM
749LouAnne ConeWV11/12/2014 11:21 AM
748Christopher KujawaCA11/12/2014 11:18 AM
747Mark SpicklerCA11/12/2014 11:16 AM
746Scott ArmstrongCA11/12/2014 11:15 AM
Transparency for all, makes sense for the appraiser to see what has been said about a property before they complete their appraisal. The GSE's want consistency so they should open their doors to get the consistency they desire started.
745Laura BasileNE11/12/2014 11:08 AM
This is overregulation & not in the best interest of any lender to keep this data from the appraiser. The condition of a comparable or subject if used in a subsequent report can change & with this data the appraiser will bring that forth via a comment noting the change with in the report. Grading and black listing appraiser's during the learning curve of the collection of data & the UAD format is yet another assault on the appraiser and the industry as a whole. We have been through HVCC-gone. We have had our livelihoods taken away(mortgage brokers-gone.)Why were there not regulations and licensing requirements put on loan originators? Someone did not like the existence of this middle man, However, AMC's were given a slot. We are the only skilled profession who cannot set their own industry fee's, build a reputation based with in our industry of clients. Enough is enough.
744GERALD MORAIRTYCA11/12/2014 11:05 AM
743Marian FinneganNV11/12/2014 11:04 AM
Certified in CA too
742Michael PereiraCA11/12/2014 11:03 AM
741David GathingsSC11/12/2014 11:01 AM
740Katharine TisdaleSC11/12/2014 11:00 AM
739Scott OlsbergCA11/12/2014 11:00 AM
We all need to be on equal footing when it comes to producing our work. All GSE's need to provide us access to the UAD data base. Scott Olsberg
738Miroslav MedanovicIL11/12/2014 10:50 AM
737John GalvanCA11/12/2014 10:48 AM
Make us get an Associates degree- sure! Get a bachelors degree- sure! Already Have a degree, take a test and now your a certified appraiser with no experince- sure! Look at every appraisal we do to find a way to fine us and take our license - no thank you
736Carol BarngroverFL11/12/2014 10:46 AM
This data base system is from our work and verification and we should have full access to the data at the beginning of the appraisal process for the most complete data available.The way the system is now, the data is going to be used against the appraiser when not matching what other appraisers adjusted for,property ratings,etc. It is unbelievable that the appraiser's data is going to be used against the appraiser when the appraiser does not conform to a computer data base system that the lenders, AMC's and the government has access to while the appraiser is not allowed to have. How can an appraiser defend against a computer data base system like this? Look for even more pressure on the appraisers without regards to scope of work and experience, or be put out of business altogether as this system goes into full implementation and the appraiser has no access to this vital data. Thank you for allowing me to sign this petition.
735Michele BestPA11/12/2014 10:44 AM
If appraisers are going to be judged by this data, then it should be available to the appraiser at the beginning of the assignment. What is to be gained by hiding this information from the very people who need it the most?
734Neal JacobsCA11/12/2014 10:43 AM
733David OlsonCA11/12/2014 10:43 AM
Having Access to the data would make us all better appraisers.
732Gregory AmburgyOH11/12/2014 10:36 AM
As a group, we want to make our appraisals as accurate as possible. It seems unfair that we would not have access to this information, but would be judged by it. This is not 1995. Lender pressure is almost non-existent. Let's just get things right to increase confidence in our process and our industry.
731Edward WoodruffTX11/12/2014 10:35 AM
730Tara CarsonCA11/12/2014 10:34 AM
My concern is that a UAD report can be altered after submission as they are not protected documents.
729craig A NordalCA11/12/2014 10:32 AM
The demands placed appraisers makes this mandatory that we have full access to this data!
728Richard MedinaCA11/12/2014 10:32 AM
727Mark MyersMS11/12/2014 10:30 AM
To improve the appraisal process and reduce risk, the data collected through the UAD should be made available to the participating professional appraisers that contribute this data.
726Vincent BolandIL11/12/2014 10:27 AM
725Sylvia ColeAZ11/12/2014 10:24 AM
724David WalkerCA11/12/2014 10:17 AM
723Jeannie FitzgeraldCA11/12/2014 10:16 AM
722Dawn RingerCA11/12/2014 10:15 AM
If the goal is to improve the soundness of the loan and the security of the collateral, then keeping the data from the appraiser is violating that mandate. Truth in Lending and Transparency of the lending process should extend to all involved, not just a select few.
721William FitzgeraldCA11/12/2014 10:15 AM
720William HiltenbrandIL11/12/2014 10:13 AM
719Michael NettieCA11/12/2014 10:09 AM
718Elsie DoolittleCA11/12/2014 10:06 AM
717Alan WeinerOH11/12/2014 10:03 AM
716Bridget WeaverDE11/12/2014 10:01 AM
715Larry RibarichCA11/12/2014 9:59 AM
Appraisers feel they are under a secret target in the presentation of their work. We need all the resources available to offer good appraisal work. We all need to work together not in division where we have to look over our shoulder on every assignment
714Edward ArnettWA11/12/2014 9:58 AM
713Jay VanderbyIL11/12/2014 9:56 AM
712Rene FioreIL11/12/2014 9:53 AM
711Donald ChildressCA11/12/2014 9:52 AM
Thank you for inviting me to sign this petition.
710Konrad JagstCA11/12/2014 9:50 AM
709Pamela WilliamsIL11/12/2014 9:50 AM
708Ruben BarajasCA11/12/2014 9:48 AM
707Robert BassCA11/12/2014 9:45 AM
706David JenkinsMN11/12/2014 9:42 AM
705Paul SmithMN11/12/2014 9:41 AM
We need this data to be made available to appraisers at the beginning of the appraisal process; guarantee the clearness and improving the process by dropping the danger to lenders and the general public.
704Steven GrayCA11/12/2014 9:41 AM
Transparency is needed.
703Randy McDowellSC11/12/2014 9:41 AM
702Stephen SweeneyPA11/12/2014 9:39 AM
701Susan BeisekerMN11/12/2014 9:39 AM
This data should be available to appraisers before we begin our appraisals helping us to provide the best appraisal possible.
700Mark PowellCA11/12/2014 9:36 AM
This is a logical step in the process of providing appraisers with a much wider data set than is normally available for valuation purposes. If my own data is becoming available to all despite the fact that they are not intended users, it should follow that the data should be available to the people that actually provided it. This should be a given and not require a petition.
699Kurt StrussMN11/12/2014 9:33 AM
698Tina BurksCA11/12/2014 9:32 AM
697Douglas HaderleCA11/12/2014 9:30 AM
696Joseph NunnCO11/12/2014 9:29 AM
695Daniel AchesonCO11/12/2014 9:28 AM
694Lawrence DibbCA11/12/2014 9:27 AM
693Cynthia DwyerCA11/12/2014 9:26 AM
692Aaron PorterPA11/12/2014 9:26 AM
691Laurie BlackCA11/12/2014 9:26 AM
690Kristopher PorterPA11/12/2014 9:26 AM
689Margaret MoxleyCO11/12/2014 9:24 AM
Access to the data is particularly important to an Appraiser as we are increasingly being asked to comment on and reconcile differences that exist between the work we complete and and the work presented in a previously completed appraisal for the same property. In addition, the data in a former appraisal can provide valuable insight / knowledge regarding the amenities associated with a home when other sources (listing agents, MLS, photos, etc) are no longer available. The latter could have a profound effect on the accuracy of retrospective appraisals. The Fannie Mae data will be the largest repository of residential information and as such, should be available to the industry participants who are responsible for its contents.
688Luther LunnMO11/12/2014 9:23 AM
687Howard HackCA11/12/2014 9:20 AM
686Dixie BreithauptMS11/12/2014 9:18 AM
685Gina ZontelliMN11/12/2014 9:17 AM
684Deanna CrawfordIL11/12/2014 9:17 AM
683Lynn ZwienerIL11/12/2014 9:17 AM
682Kory CartwrightSC11/12/2014 9:16 AM
681Ludwik PacykIL11/12/2014 9:13 AM
680Mark HearnCA11/12/2014 9:02 AM
679JAMES HACKETTFL11/12/2014 9:00 AM
678Timothy RoderiguesCA11/12/2014 8:59 AM
We should not even have to ask. We should have the appraisal tool with access to the data, so that all appraisals can be previewed prior to submitting the report.
677Jay KimmelMD11/12/2014 8:59 AM
Access to this data is important to appraisers for a number of reasons. Some appraisers will have access to data for a property that other appraisers won't. An appraiser appraising a new construction home will have access to plans and specifications and other builder data which provide a whole host of information not available to an appraiser merely walking through the home 2 years later for a refinance appraisal. Public data for new homes, such as GLA, is notoriously erroneous when compared to actual measurements which are verified with construction drawings. Appraisers being judged by data kept "secret" from them only promotes fear among appraisers of the GSE holding the data secret from them. If improvement of appraisal quality is the desired result, then the access to this data is imperative. Such access will allow for more rigorous adjustment research and more thorough reporting. Appraising is largely based on the amount and quality of data available. Such a data source as this would hugely improve the available data for an appraisal thus improving the appraisal.
676Shannon WhiteCA11/12/2014 8:57 AM
I strongly support access to our data
675Gary HellerNJ11/12/2014 8:55 AM
674Cherry LinderOH11/12/2014 8:54 AM
I support access to our data
673Gregory ForbesCO11/12/2014 8:52 AM
672ann thompsonOH11/12/2014 8:51 AM
671Darryl SteffenIL11/12/2014 8:51 AM
670John WoldCA11/12/2014 8:47 AM
I support access to our data!
669Mark Hendrick CA11/12/2014 8:46 AM
668Gary7 SalaicesNV11/12/2014 8:46 AM
667Leroy ThomasCA11/12/2014 8:43 AM
Why do we even have to ask?
666Daniel SmithNC11/12/2014 8:42 AM
665Donald HendricksonAZ11/12/2014 8:41 AM
664Kent RussellCO11/12/2014 8:40 AM
Yeah and tell us who is the best appraiser!
663Wayne ShaulCA11/12/2014 8:39 AM
662Christopher BianchiCA11/12/2014 8:38 AM
661John D AshworthCA11/12/2014 8:38 AM
660Shain HashemiCA11/12/2014 8:37 AM
This information should available to all appraisers since we are being judged and our performance graded by it. If this process was developed to better the appraisals summited, then why hide the known information.
659diana morrisonCA11/12/2014 8:37 AM
Provide us you data.
658Rod HoddMN11/12/2014 8:34 AM
657Jeff StrottmanOH11/12/2014 8:33 AM
Wouldn't this information help the appraiser develop a credible report in a timely fashion? I don't see the benefit in hiding the data from appraisers... all it would do is create more underwriting issues which wastes time for the appraiser and consumer.
656David LipscombMS11/12/2014 8:33 AM
655Donald RedingtonCA11/12/2014 8:32 AM
It is time that the "government" not just take, but provide.
654carola bockMD11/12/2014 8:31 AM
653Ken FlowresSC11/12/2014 8:31 AM
652Scott StoutOH11/12/2014 8:30 AM
We need access to this data. We are under more and more regulation and requirements yet we receive nothing back.
651Richard VierzbaMT11/12/2014 8:29 AM
If we are being held accountable to this standard then we should have access to comparative data. This access will increase consistency in our profession.
650Don DerkIL11/12/2014 8:29 AM
649Michael MizokamiCA11/12/2014 8:29 AM
648Rosemary LawyerIL11/12/2014 8:28 AM
647Jerry BrookshireIA11/12/2014 8:28 AM
It seems only fair that if we are supplying the information, that we have access to it.
646Joshua JessenTX11/12/2014 8:28 AM
645Joshua JessenTX11/12/2014 8:27 AM
644Christopher LockardTX11/12/2014 8:27 AM
643Ronald LyonsCA11/12/2014 8:27 AM
642Jason RobertsMS11/12/2014 8:27 AM
641Kathy MoweryAR11/12/2014 8:26 AM
640JAMES HACKNEYNC11/12/2014 8:26 AM
639Earl WitherbyFL11/12/2014 8:24 AM
It has an effect on me as an appraiser, therefore said data should be available to me also.
638peter manningAZ11/12/2014 8:24 AM
637Bernie PedersoliIL11/12/2014 8:06 AM
636David MandrosIL11/12/2014 7:40 AM
If I have a prior file on a comparable, I use it. It is the best, most reliable information I have pertaining to a residence. My tape measure touched it, I did not rely on a ten year old listing that was "cut & pasted" by a lazy realtor, nor was the GLA gleaned from an erroneous Assessor's Office webpage with only a partial floor plan. If my accurate account of a residence is deemed a "red flag" by a program because other appraisers repeatedly rely on erroneous information, there is a huge issue. This approach will not be successful and yet again good appraisers will be punished for merely fulfilling their duties in a responsible manner. This approach is yet again an ill-conceived cure with immeasurable unintended consequences.
635don ralphTN11/12/2014 7:38 AM
634Matthew BarleySC11/12/2014 6:33 AM
633Lisa MolnarNJ11/12/2014 6:32 AM
I appraise in NJ where GLA is often not in public records. The tax assessor holds this information, and most assessors work 2 hours once a week. The data is then estimated, and the range is obviously wide and varied. All would be better served to supply this information freely.
632Jim AndersonOR11/12/2014 4:29 AM
Let's see if I understand this new system. If two previous appraisers put in the wrong information and I correct it, I'm the odd man out and will be reported to the client?
631Sandra UyeuntenCA11/12/2014 3:31 AM
We are struggling to stay in business since the UAD came into being. Our fees have been cut to where many can no longer stay in business. Since we produced this data, we should be able to view it, which would increase the accuracy of our work
630Tommy NabholzAR11/12/2014 3:17 AM
629Paxton PettitMS11/12/2014 1:02 AM
628Stephen KochisIL11/12/2014 12:52 AM
627Gary KristensenOR11/12/2014 12:37 AM
Often, in my careful research, I find out things that I am sure most other appraisers probably do not know about certain comparable properties or the market in general. This can make my analysis appear to a computer that it is not consistent with the masses of my colleagues and possibly get flagged. I fear that I am being flagged for doing more work. I feel like the lender appraisal system in general rewards the status quo of small adjustments (that may not be market adjustments) and analysis that is the same as everyone else. The system does not reward the appraisers who actually do the work to interview, find out the details, and statistically support adjustments that might seem large when compared to peers. I want to know how my clients will be perceiving what I say so that I can better communicate my findings. If there are things about my comparables that CU knows, I want to know these things so I can make my product better. Give appraisers the tools to be better appraisers rather than giving the banks more tools to catch the bad appraisers. If you do that, appraisal quality will get better and the bad appraisers will be easier to weed out.
626Anna TodaroVA11/11/2014 10:58 PM
This is such a commonsense idea, it should not require a petition!
625Lawrence BarrettIL11/11/2014 10:54 PM
624Maura AndersonMS11/11/2014 10:06 PM
623Carlos CervantesCA11/11/2014 9:26 PM
622Kathy PomeroyCA11/11/2014 9:14 PM
We are struggling to stay in business since the UAD came into being. Our fees have been cut to where many can no longer stay in business. Since we produced this data, we should be able to view it, which would increase the accuracy of our work.
621Colleen RayCA11/11/2014 9:08 PM
Please allow appraisers access to the data provided by the UAD.
620Stacy BarrMS11/11/2014 8:53 PM
619Tim SullivanIL11/11/2014 8:49 PM
618Albert HovanianCA11/11/2014 8:46 PM
617Kevin McDermottCA11/11/2014 8:13 PM
GSE imposed UAD requirements have diminished the quality of appraisal reports in the complex areas I service. Uniform Collateral Data Portal (UCDP)and now Collateral Underwriter (CU) acts like the NSA to spy on appraisers. GSE's and their rules are not the solution to the problem, they are the problem.
616Mark HamiltonMS11/11/2014 8:02 PM
615Jeff BriggsCA11/11/2014 7:46 PM
Go ahead and drive all the appraisers out of business....then we'll see where the fees go.....$$$$$ It has nothing to do with R&C. It is our business and the market sets the fees that WE should receive. Just like a loaf of bread or a gallon of milk. The market sets the price...not a bunch of know nothing middlemen.
614Lynn DusseauOR11/11/2014 7:34 PM
613Deborah Kay LancasterMS11/11/2014 7:10 PM
612David LewellyanIL11/11/2014 7:09 PM
611Steven DavisCA11/11/2014 6:54 PM
610Mark KonczOH11/11/2014 6:53 PM
609judy dowdyCA11/11/2014 6:50 PM
Since you intend on policing us more, we have a right to the data that you are collecting in order to defend ourselves and better ourselves. If you want appraisers to progress, and you believe you have come up with a system for that, than share that system to ensure transparency. Eliminate the need for us to obtain a court order for this data, since we pay for it and provide it to you. We don't need AMC's and neither do lenders. Make them non-profit.
608Mari MabusIL11/11/2014 6:44 PM
607jerome gormanIL11/11/2014 6:36 PM
606Jason FischmanCA11/11/2014 6:26 PM
605William GrafeOH11/11/2014 6:23 PM
604John ArmstrongMS11/11/2014 6:10 PM
603Paul RoweIL11/11/2014 5:56 PM
602villie fosterOH11/11/2014 5:48 PM
601Todd WhitsonMN11/11/2014 5:43 PM
600James WhiteSC11/11/2014 5:41 PM
599James ChiadoIL11/11/2014 5:36 PM
598Kendall CookOR11/11/2014 5:29 PM
597steve millbernCA11/11/2014 5:07 PM
I would like to have access to UAD appraiser verified data. Not all appraisers verify data in the same way. If my appraisal are to be rated for quality it is only reasonable that I be granted access to the information being used to judge my work. How can I comply with the rules if I can't see the data that is needed?
596Dan cochraneOR11/11/2014 5:04 PM
If the idea behind this was to truly facilitate better risk management and cleaner delivery system, one would think the priority would be to offer this to the writers of the report in an effort to avoid additional back and forth between the multiple parties now involved in the appraisal delivery process. If the appraiser was able to review the report findings prior to delivery to their client, there would be no need for a report to be returned for revisions, thusly saving previous time.
595theodore schnellerIL11/11/2014 4:30 PM
594Cynthia WillsTN11/11/2014 4:28 PM
593Mark AdamsAR11/11/2014 4:26 PM
592Linda HansenIL11/11/2014 4:21 PM
591Thomas RodgersIL11/11/2014 4:19 PM
590Thomas OberrechtOH11/11/2014 4:14 PM
I would like to have access to UAD appraiser verified data. It seems that if we the appraisers whom have been filling up this UAD data base with its data we should be allowed access to it. Not too mention we completely changed the way we report appraisals based on your asking us to, which drove hundreds of solid seasoned veteran appraisers out of the business, so we have certainly paid our dues for usage of this data, and then some. Imagine a world where the appraiser is able to utilize appraiser verified comparables and subject properties that Fannie and Freddie have been securing loans for. Having access to this data would not only improve the efficiency in which reports are completed it would drastically improve the quality of the appraisal report and without a doubt will improve turn around time. This is a WIN WIN WIN situation for all stake holders. Fannie please just give us access to it and you will see an immediate improvement in the quality of appraisals.
589Daren LillyWV11/11/2014 4:08 PM
An accurate appraisal product depends on the quality of information entered into the form. We currently used public records and realtor information, these are both notoriously inaccurate. Information entered into a form by an appraiser is most likely the most accurate information to be found. The appraiser should have access to the most accurate information so the appraisal will be creditable. It is our information so we need to have access to it. No one needs the information more than the appraisers in the market.
588Fred WatsonIL11/11/2014 4:07 PM
587Fred WatsonIL11/11/2014 4:06 PM
586Cathy HarperTX11/11/2014 4:03 PM
585Rachel MasseyMI11/11/2014 4:02 PM
Since appraisals are being used to build the database, appraisers should have access to the data in bulk that they have contributed to. If the idea is to make for stronger appraisals, then the rational next move would be to provide it to the appraisers in order for them to help strengthen the work product.
584Albert LeserraNY11/11/2014 3:56 PM
583Jeff emersonOH11/11/2014 3:53 PM
582Diane DeBellisPA11/11/2014 3:52 PM
581Diane DeBellisNJ11/11/2014 3:52 PM
580Bennie Neal, IIIMS11/11/2014 3:50 PM
579Timothy GillisCA11/11/2014 3:39 PM
578Paul BarkerSC11/11/2014 3:37 PM
577Douglas PigmanSC11/11/2014 3:33 PM
576carl davenportSC11/11/2014 3:28 PM
The information for the UAD has been data mined from the appraisal we have submitted without our consent, now this same data is being used to underwrite out appraisals. The appraisers should have the same access to the UAD underwriting review process, this will ensure uniformity for all parties involved and producing a more reliable appraisal product for the consumer.
575JOHN ADAMSONMS11/11/2014 3:28 PM
Occasionally in small markets like mine, I have done the mortgage loan appraisal for the comparable sale, & often have a different & more accurate rating for the comparable sale's condition, quality, location, view, etc. than other appraisers. These other appraisers typically base their ratings strictly on M.L.S. info, which was initially written by a listing agent to describe the property in the most favorable light, or worse yet describe it dishonestly. The current proposal would likely penalize the appraisers who actually describe the comparable property most accurately. Giving appraisers access to this data would be an improvement over the current situation, but would still penalize an appraiser who had more knowledge about a given comparable sale, than other appraisers, for accurately describing it. Therefore there needs to be a provision for explaining a different rating than the UAD provides & furnishing this information to other appraisers.
574phillip fortenberry MS11/11/2014 3:28 PM
573Nicholas MasellaIL11/11/2014 3:22 PM
572Dennis ElderOH11/11/2014 3:15 PM
571Alfred ClarkMS11/11/2014 3:07 PM
570Fred BoundsOH11/11/2014 3:01 PM
Direct feedback from this data will help us do a better job.
569Mark MondelloFL11/11/2014 2:55 PM
The information for the UAD has been data mined from the appraisal we have submitted without our consent, now this same data is being used to underwrite out appraisals. The appraisers should have the same access to the UAD underwriting review process, this will ensure uniformity for all parties involved and producing a more reliable appraisal product for the consumer.
568Carol KeehnIN11/11/2014 2:50 PM
We supply this data, seems we should be able to share it so that, above all, the process is transparent.
567Dennis SmithIL11/11/2014 2:48 PM
566Daniel CordtsIL11/11/2014 2:45 PM
565Charles GressMI11/11/2014 2:39 PM
I would like to have access to UAD appraiser verified data. It seems that if we the appraisers whom have been filling up this UAD data base with its data we should be allowed access to it. Not too mention we completely changed the way we report appraisals based on your asking us to, which drove hundreds of solid seasoned veteran appraisers out of the business, so we have certainly paid our dues for usage of this data, and then some. Imagine a world where the appraiser is able to utilize appraiser verified comparables and subject properties that Fannie and Freddie have been securing loans for. Having access to this data would not only improve the efficiency in which reports are completed it would drastically improve the quality of the appraisal report and without a doubt will improve turn around time. This is a WIN WIN WIN situation for all stake holders. Fannie please just give us access to it and you will see an immediate improvement in the quality of appraisals.
564Edward DouglassOH11/11/2014 2:37 PM
The question that needs to be asked and answered; Why would the individuals that develop the appraisal not be provided with all the pertinent data necessary to help in the development of a credible report?
563Lara DierkerIL11/11/2014 2:33 PM
562Allen MinickIL11/11/2014 2:17 PM
561Kathleen SicilianoOH11/11/2014 2:07 PM
560Jimmy LangleyMS11/11/2014 2:06 PM
this would be helpful if it can be shared but if not, sounds like they are looking for ways to not need the appraiser.
559Bruce BristerMS11/11/2014 1:53 PM
558Raymond WillisCA11/11/2014 1:42 PM
The information would have many uses that would improve the appraisals being submitted, including matching what the appraiser discovers with what others have discovered. The GSEs should explain why they will not share the information if they choose not to. The GSEs are controlled by the U. S. Govt. Why should the govt. choose not to share the information resulting in more reliable appraisals and reducing risk to the economy?
557Raymond WillisCA11/11/2014 1:41 PM
The information would have many uses that would improve the appraisals being submitted, including matching what the appraiser discovers with what others have discovered. The GSEs should explain why they will not share the information if they choose not to. The GSEs are controlled by the U. S. Govt. Why should the govt. choose not to share the information resulting in more reliable appraisals and reducing risk to the economy?
556Raymond WillisCA11/11/2014 1:41 PM
The information would have many uses that would improve the appraisals being submitted, including matching what the appraiser discovers with what others have discovered. The GSEs should explain why they will not share the information if they choose not to. The GSEs are controlled by the U. S. Govt. Why should the govt choose not to share the information resulting in more reliable appraisals and reducing risk to the economy?
555Raymond WillisCA11/11/2014 1:40 PM
The information would have many uses that would improve the appraisals being submitted, including matching what the appraiser discovers with what others have discovered. The GSEs should explain why they will not share the information if they choose not to. The GSEs are controlled by the U. S. Govt. Why should the govt choose not to share the information resulting in more reliable appraisals and reducing risk to the economy?
554Raymond WillisCA11/11/2014 1:39 PM
The information would have many uses that would improve the appraisals being submitted, including matching what the appraiser discovers with what others have discovered. The GSEs should explain why they will not share the information if they choose not to. The GSEs are controlled by the U. S. Govt. Why should the govt choose not to share the information resulting in more reliable appraisals and reducing risk to the economy?
553Leslee JohnMS11/11/2014 1:36 PM
552Donald HillOH11/11/2014 1:31 PM
551Lane DeBardelebenMS11/11/2014 1:25 PM
550Jeff TaylorMS11/11/2014 1:24 PM
549Tim LaneOH11/11/2014 1:19 PM
If we are providing you with the data for free, while our fees are being cut in half, and you are demanding the time it takes to complete an appraisal over the past 12 years essentially double, and forcing us to take on more liability; it seems the least you could do is make it available to appraisers as well.
548Rhonda BosticSC11/11/2014 1:16 PM
547Joseph BruemmerOH11/11/2014 1:09 PM
Share the data that we've collected. It's a win - win for the appraisal / lending communities
546Donald BeasleySC11/11/2014 1:09 PM
We should have access to the information that we submit through the UAD at no cost.
545Jack GazzoMS11/11/2014 1:04 PM
544Billy KellyMS11/11/2014 1:04 PM
543Roseann DufalaSC11/11/2014 12:59 PM
What is the real purpose of the GSE's in NOT providing the appraisers the data that they have collected from the appraisers themselves? Are they simply trying to be punitive; or are they are trying to streamline the loan process by slowly getting rid of appraisers by "proving" that the machine is better than the appraiser?
542Kevin BoggessOH11/11/2014 12:58 PM
541Chad BoudreauxMS11/11/2014 12:56 PM
540Randy MassengaleOH11/11/2014 12:55 PM
The goal of an Appraiser is to provide accurate, timely Appraisals. This information should be made available to Appraisers so that we can prepare better reports. The Appraisers provide the information. It should not be used in a punitive manner!
539roger hawksGA11/11/2014 12:55 PM
I will sign the petition
538Thomas HarwoodSC11/11/2014 12:55 PM
537Jeffrey HunterOH11/11/2014 12:54 PM
536Amelia LovornMS11/11/2014 12:54 PM
535roger hawksGA11/11/2014 12:53 PM
534Phillip MangrumMS11/11/2014 12:53 PM
533Jessica HaltomMS11/11/2014 12:51 PM
532Jessica HaltomMS11/11/2014 12:51 PM
531Jessica HaltomMS11/11/2014 12:50 PM
530Brian MalloryTN11/11/2014 12:47 PM
529Raymond HeunMS11/11/2014 12:41 PM
Thank you for initiating this petition!
528Raymond PuccinelliIL11/11/2014 12:36 PM
527James DouglasOH11/11/2014 12:34 PM
The Appraiser should have access to this to help us provide a better product. if our product is to be reviewed shouldn't we be able to see by what standards we are being measured?
526Blake ChiadoIL11/11/2014 12:30 PM
525John PotterIL11/11/2014 12:25 PM
524Gordona BauhanIL11/11/2014 12:24 PM
523Michael GolumbeckIL11/11/2014 12:19 PM
522Donald MartinIL11/11/2014 12:18 PM
The access to data provided by Appraisers would be of great benefit for all involved for Appraisers to have access to the data, that they created. If you are interested in consistency, accuracy, speed and keeping the costs down, this would seem to be of great value to all involved. It is our data, Appraisers data it seems greatly unfair that you would use or provide our data to other parties, but not the ones that actually created it. The data will provide an additional check source for us as Appraisers. More checks and balances, good right?
521Curtis WhittOH11/11/2014 12:16 PM
If we are to judged by the data we should have access to it!
520Jonathsn AdlerOH11/11/2014 12:12 PM
I agree. Appraisers have a professional obligation to conform to industry ethics and standards, and those who are trying to judge the industry paarticipants have the obligation to allow appraisers access to that process and policy decisions.
519Randy AndersonOH11/11/2014 12:11 PM
518ann orourkeCA11/11/2014 12:09 PM
517Robert SchmidtIL11/11/2014 12:08 PM
516Andrea McMillinMS11/11/2014 12:06 PM
515Robin BedfordKY11/11/2014 12:05 PM
514Chris MeyerKY11/11/2014 12:05 PM
How are we expected to help lower the risk if we don't have access to the same information. It only makes sense that you would want the source of the appraisal to know if mistakes are being made so they can be corrected for future assignments.
513Hugh LedfordOH11/11/2014 12:01 PM
Please demonstrate you value our services and view appraisers as a PARTNER in this critically important segment of the US economy.
512Guy WesselkamperOH11/11/2014 12:00 PM
511Michael LawrenceOH11/11/2014 11:59 AM
510Patrick BerdingOH11/11/2014 11:57 AM
509Steve SandersMS11/11/2014 11:55 AM
508Jerry BrewerMS11/11/2014 11:52 AM
507Christopher GoodwinTN11/11/2014 11:49 AM
506Wallace AshleyMS11/11/2014 11:48 AM
505John ZIMMERCA11/11/2014 11:39 AM
Please exercise common sense.
504Mark WhitsittIL11/11/2014 11:39 AM
503Steven PapinOH11/11/2014 11:36 AM
502JAMES QUINNIL11/11/2014 11:31 AM
501Carol NewtonIL11/11/2014 11:29 AM
500Jean JohnsonMS11/11/2014 11:26 AM
499Kevin AlleySC11/11/2014 11:25 AM
498Bruce RingSC11/11/2014 11:21 AM
497Angie NealMS11/11/2014 11:20 AM
496Jarrett MageeMS11/11/2014 11:18 AM
495RITA BAILEYSFL11/11/2014 11:17 AM
494Marc KrouseCA11/11/2014 11:14 AM
493Diane Van TasselIL11/11/2014 11:13 AM
Fair's Fair!
492Dustin CainMS11/11/2014 11:10 AM
491Gregory ZiebaIL11/11/2014 11:09 AM
490Angela ParrottMS11/11/2014 11:09 AM
489Justin ParrottMS11/11/2014 11:08 AM
488Charles HilbelinkMN11/11/2014 11:08 AM
487Constance WarnerIL11/11/2014 11:06 AM
486Walter Cummins JrMS11/11/2014 11:05 AM
485Marsha RabunSC11/11/2014 11:01 AM
483Jonathan McCarterSC11/11/2014 10:58 AM
482Scott McMurrianMS11/11/2014 10:56 AM
481David BatesSC11/11/2014 10:54 AM
480BROWARD STURGISMS11/11/2014 10:51 AM
The data needs to be available to appraisers who are contributing to this data and being evaluated against it. Please lift the veil of secrecy surrounding this data and provide a transparent process.
479Henry McDonaldCA11/11/2014 10:50 AM
478Kathy McIntyreSC11/11/2014 10:49 AM
477Richard WebbMS11/11/2014 10:47 AM
476Kenneth WattsSC11/11/2014 10:44 AM
475Stephen LeonardNY11/11/2014 10:43 AM
474Malcolm BurtonSC11/11/2014 10:39 AM
Access to data benefits all concerned in the valuation process. Access to this data needs to be easy and at no cost to the appraiser since it being gathered by the GSE's.
473Bryan KelleySC11/11/2014 10:38 AM
472Bryan KelleySC11/11/2014 10:38 AM
471Robert Goldt, Jr., SRASC11/11/2014 10:38 AM
Withholding data from the industry that complies the data is bad. Holding that industry to the standard of the collected data is worse. Criminalizing the professionals in the industry for not using the data they have no access to is a SIN. It is amazing that anyone would even consider NOT providing the data.
470Timothy KoyakIL11/11/2014 10:37 AM
469Dale BaileySC11/11/2014 10:36 AM
Would you judge a doctor that didn't have the right tools, even though you had them and wouldn't give them to him to do the right job?
468Betsy HanryMS11/11/2014 10:36 AM
467Ruth MahanMN11/11/2014 10:35 AM
466John NEWELLMS11/11/2014 10:32 AM
465kenneth welcherCA11/11/2014 10:30 AM
464Sarah BowdonMS11/11/2014 10:25 AM
463Christopher HallIL11/11/2014 10:23 AM
462David MillerIL11/11/2014 10:22 AM
461Janet StockwellMS11/11/2014 10:19 AM
460Michael StefanskiIL11/11/2014 10:18 AM
459Arthur NelsonMS11/11/2014 10:11 AM
458Neal JacobsCA11/11/2014 10:11 AM
457Tonya HeffelbowerIL11/11/2014 10:10 AM
The data needs to be available to appraisers who are contributing to this data and being evaluated against it. Please lift the veil of secrecy surrounding this data and provide a transparent process thereby ensuring public trust.
456Peter MaloneyMS11/11/2014 10:02 AM
455Charles ThomasMS11/11/2014 9:59 AM
We need this data.
454Scott AlmIL11/11/2014 9:58 AM
453Mary LeBlancMS11/11/2014 9:57 AM
452Jeremy BrandowIL11/11/2014 9:53 AM
451Louis ChandlerMS11/11/2014 9:52 AM
The mortgage system process and the public at large will be better served if all parties strive with integrity to perform their respective roles. It only makes since for the appraisers to have access to this property data. There should also be methods to place for the reconciliation of conflicting data. It does not make since for appraisers to have to explain or reconcile data after to performance of an appraisal along with the production of a report, when the appraiser could have access to the available data during the appraisal process to produce the best appraisal possible.
450Ken WilliamsMS11/11/2014 9:51 AM
449Slavica TimotijevicIL11/11/2014 9:51 AM
The goal is transparency
448Diana NytkoCT11/11/2014 9:47 AM
Appraisers should definately have access to the information they provide, as well as any reviews of their work.
447Annette LeeMS11/11/2014 9:40 AM
446JOHN TURNERTN11/11/2014 9:27 AM
I believe that as an appraiser, we should have access to the information that we submit through the UAD.
445William McIlrathCA11/11/2014 9:26 AM
444Joe WallaceIL11/11/2014 9:26 AM
443Robert PeaksMS11/11/2014 9:24 AM
442Brett UngarMD11/11/2014 9:22 AM
441Troy CourtneyMS11/11/2014 9:19 AM
I believe that as an appraiser, we should have access to the information that we submit through the UAD.
440Rachel TateMS11/11/2014 9:10 AM
439Marsha MohrIL11/11/2014 9:09 AM
438Betsy BaneckOH11/11/2014 9:07 AM
437Frank LundMS11/11/2014 9:00 AM
436Kathy SimpsonMS11/11/2014 8:59 AM
I believe appraisers should have an opportunity to review what they are being graded on. We have so many things that we must adhere to; however, we are not allowed to review what we are judged by. Something wrong with that picture. Data should be shared with appraisers first.
435Lee PerryIL11/11/2014 8:55 AM
434Wayne DahnkeNC11/11/2014 8:55 AM
433Lynn DahnkeNC11/11/2014 8:54 AM
Appraisers have to live under different rules from everyone else in relation to sharing data. Why then should we be judged based on data collected from appraisers, when we ourselves do not, and cannot have access to that shared data if the Realtors choose not to update closed MLS listings. This is an injustice to say the least. Computers cannot lend common sense application to the process of selecting the best "comparable" sales in an area. Appraisers know that not all "sales" are "comparable" sales, which is why we are important to the valuation process. We should not be expected to respond to a computer generated list of comparables, especially when the data was not available to us to begin with. Any and all information available to those doing the judging should also be made available to those being judged.
432Searcy CunninghamMS11/11/2014 8:52 AM
431Tom Francis, JrOH11/11/2014 8:51 AM
Past President of OCAP
430Ed GranthamMS11/11/2014 8:51 AM
429Deborah FosterOH11/11/2014 8:47 AM
We (stakeholders) are doing this collateral risk assessment together, right? For this reason professional appraisers should be allowed to access this “Uniform” Appraisal Dataset (UAD). A Point of fact will be to analyze data similar enough for a fair comparison to be made. If, this is the manifest agenda, then the benchmark data to measure a reasonable and supported value conclusion is achievable. Furthermore, our mission and objective to build public trust; is established as a team effort; and unequivocally transparent.
428Mike ConnerMS11/11/2014 8:46 AM
427Mark HaleyTN11/11/2014 8:46 AM
426Neal HaddonMS11/11/2014 8:45 AM
We are forced to comply with UAD so that our data may be mined for collateral assessment purposes and yet we have no access to that data,,,,,NO
425Peggy RichardsonMS11/11/2014 8:43 AM
How can there be consistency if appraisers have no idea what the data is that they are being judged by?
424Sherree AllenMS11/11/2014 8:41 AM
please allow appraiser access to the data provided by appraisers through the UAD.
423Harold MurphreeTN11/11/2014 8:38 AM
422kevin MurrayIL11/11/2014 8:36 AM
421DAVID HAMELCA11/11/2014 8:33 AM
If an agency or GSE maintains a list (database) with individual names of appraisers, then access to the information is a fundamental right for each appraiser. Transparency and access.
420David FreeseIL11/11/2014 8:31 AM
419Lori NobleWV11/11/2014 8:29 AM
418Curtis RobinsonMS11/11/2014 8:27 AM
417Joel HilesPA11/11/2014 8:27 AM
416Wayne ThorntonMS11/11/2014 8:27 AM
415David PerryIL11/11/2014 8:22 AM
414David BuggyPA11/11/2014 8:21 AM
413Roger SmithIL11/11/2014 8:19 AM
It should be an educational tool for improving the process. Not something to be used just for action against appraisers. As we all have made mistakes and need to improve.
412Linda SperekasIL11/11/2014 8:18 AM
411Edward PalmerIL11/11/2014 8:17 AM
410Margaret MurrayMI11/11/2014 8:16 AM
409Douglas ButcherWV11/11/2014 8:14 AM
408Merle BussIL11/11/2014 8:14 AM
The development of the UAD format was suppose to bring about a more reliable appraisal. By allowing access to the database would be a follow though of that intent. However, denying access may very well show the real intent of UAD?
407David MillerIL11/11/2014 8:11 AM
406Donna ParkerIL11/11/2014 8:09 AM
405Janet PriceWV11/11/2014 8:09 AM
404Robert WhiteMS11/11/2014 8:06 AM
403Aaron MagdziarzIL11/11/2014 8:05 AM
402Lisa KirboNC11/11/2014 8:05 AM
In order to have complete transparency, all parties involved the process, including Appraisers, should have access to this data!
401Michael MagdziarzIL11/11/2014 8:03 AM
400John JenkinsMS11/11/2014 8:02 AM
Appraisers should have access to the same information by which our work will be reviewed.
399G Daniel CorrieIL11/11/2014 8:00 AM
398Kenny AdcockMS11/11/2014 7:57 AM
397Cathy SmartMS11/11/2014 7:55 AM
396Sam RamseyGA11/11/2014 7:54 AM
395Margaret YockersMS11/11/2014 7:46 AM
Please provide to licensed appraisers, at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public
394Raymond CurtisWV11/11/2014 7:44 AM
Our profession needs to band together, restore our independence as professionals, restore our authority, advocate the elimination of the AMC model to restore free-market relations to our customers.
393Ron SpainIL11/11/2014 7:42 AM
392Jay O'BristIL11/11/2014 7:40 AM
391Libby GarrawayMS11/11/2014 7:38 AM
390Jack RoseNE11/11/2014 7:28 AM
Please give serious consideration to this petition. To provide data to the Appraisers would in turn allow the Appraisers to provide better reports.
389Michael KowalskiIL11/11/2014 7:25 AM
388Kathleen SchaidIL11/11/2014 7:16 AM
Please allow appraisers access to data at the beginning of the process to ensure transparency, inproving risk to lenders and public.
387Ramona TyackIL11/11/2014 7:10 AM
386Richard TyackIL11/11/2014 7:10 AM
385Brandon PicklesimerWV11/11/2014 7:03 AM
384Sidney CraneIL11/11/2014 7:02 AM
383Theodore WeyhmuellerIL11/11/2014 6:51 AM
382Leslie KrussowNC11/11/2014 6:43 AM
381Melissa BondMS11/11/2014 6:40 AM
380Richard WintersWA11/11/2014 6:29 AM
379Duke GarrawayMS11/11/2014 6:23 AM
I challenge all Mississippi appraisers to sign this important petition.
378Linda BoremIL11/11/2014 6:20 AM
377Kim-lucas UramMS11/11/2014 5:59 AM
376Ervin WellsNC11/11/2014 5:57 AM
375Janet VonDerHeideIL11/11/2014 5:55 AM
I am joining with my fellow certified appraiser's in signing this petition!! Please sign with us and protect our profession!! Janet VonDerHeide Reed Appraisal Services Peoria Area
374Leon DanforthCA11/11/2014 12:53 AM
GSE's and all appraisers' clients want reliable and responsibly prepared appraisal reports. When we are all playing by the same rules, it makes for a great team and everybody wins, the clients (lenders, borrowers, legal profession, etc.). The "CU" helps to level the playing field.
373Cynthia BrownCA11/10/2014 11:35 PM
372C Darrell Jones SrIL11/10/2014 11:25 PM
Please allow all appraisers' access to the data that is provided through the Uniform Appraisal Dataset (UAD).
371Eric FritzNC11/10/2014 11:00 PM
Why would there not be cooperation with the Appraisers providing the information? To provide data to the Appraisers would in turn allow the Appraisers to provide better reports? Or is this a witch hunt?
370TJ McCarthyIL11/10/2014 10:51 PM
369Ann LazarIL11/10/2014 10:45 PM
368Brian FinleyIL11/10/2014 10:42 PM
367Alan McElwainCA11/10/2014 10:31 PM
366Jeffery SomersCA11/10/2014 10:07 PM
365Irene BacogiannisIL11/10/2014 10:00 PM
364Greg WilkinsonGA11/10/2014 9:55 PM
To exclude the industry professionals that are affected the most by this data is an injustice
363Lawrence WalshCA11/10/2014 9:50 PM
If one is looking to improve the overall valuation process of residential properties, then the goal should be to obtain complete transparency. Making this available to the "appraisers" from the beginning is the right thing to do!
362Robert SmolkeCA11/10/2014 9:23 PM
Information will be provided to lenders and the GSE's based on data in our reports and other data already obtained. After which results will be provided to the lender as to quality of the report, data that was used and data that has been overlooked. Appraisers should have every opportunity to view these analysis and results during the appraisal process. This could help to provide more credible and reliable reports to the users. Provide as much help to the appraisers as you are to the lenders and GSE's in this respect.
361David LisenbeeMO11/10/2014 9:21 PM
360Rickie WolffIL11/10/2014 9:20 PM
This information would be especially helpful when an Appraiser has done the original Sale Appraisal on property and we use them as a comparable. We may have a better understand as to the real quality and condition of the property rather than having to rely on the "Sales Information" in the MLS which makes every property sound good. Also there should be a way we might be able to help correct incorrect data in the portal. Just a win situation for all involved.
359John OrinIL11/10/2014 9:15 PM
Please allow appraisers access to data and communication to the lender permitting transparency in the appraisal process.
358john CorsaIL11/10/2014 9:13 PM
357Rose FrazierMS11/10/2014 9:12 PM
356Kelly PessisCA11/10/2014 9:10 PM
355Scott DelkMS11/10/2014 9:04 PM
354Robert PikeCA11/10/2014 9:00 PM
353Paul HorejsIL11/10/2014 8:51 PM
352Curtis McMillanMS11/10/2014 8:41 PM
351Joseph HarvardCA11/10/2014 8:40 PM
350Wes McGeeMS11/10/2014 8:37 PM
349Richard lokeyMS11/10/2014 8:35 PM
348Joseph FloydMS11/10/2014 8:34 PM
If this information is going to be taken from the appraisal reports generated by appraisers in the field; then, this data should be made available to these same appraisers. This information will have information that will be valuable to the appraiser and should enhance the appraisal reports prepared by individual appraisers. I strongly support the idea that this data should be made available to the appraiser.
347Chris BraunIL11/10/2014 8:28 PM
346NICK CRUTCHERMS11/10/2014 8:27 PM
345Clay SykesMS11/10/2014 8:24 PM
344Bryan MartinMS11/10/2014 8:24 PM
343Paul HardinMS11/10/2014 8:21 PM
342Robert KingMO11/10/2014 8:05 PM
341Walter LambertAZ11/10/2014 8:00 PM
340cynthia MartinIL11/10/2014 7:57 PM
339Patrick FloydMS11/10/2014 7:55 PM
338george mcmillinMS11/10/2014 7:54 PM
337Brian PrayMS11/10/2014 7:46 PM
This is going to cause serious appraiser to not accept appRais also from these beaucrats.
336Kevin RileyIL11/10/2014 7:46 PM
335William RehmannMS11/10/2014 7:44 PM
334Michael FordCA11/10/2014 7:44 PM
1. We need free access to the data that we originally supplied you with. It will help us to avoid many 'error' notifications. 2. This CU system has the potential to become a defacto "appraisal Review" without ever complying with USPAP Standard Rule 3 governing appraisal review. 3. IF all this CU does is to trigger a review appraisal, then I have no complaint with it. On the other hand, we already know Florida, and California (along with many other urbanized areas)have inherently high 'collateral risk scores'. It should & MUST NEVER be used in lieu of a review itself; OR as the basis for requesting additional information from appraisers on appraisals long since completed. If more information is desired, then do a formal review. I urge ALL appraisers nationally to join the AGA in addition to your own state's coalitions.
333Karsten FergusonAZ11/10/2014 7:44 PM
332Karsten FergusonAZ11/10/2014 7:44 PM
331Robert WiygulMS11/10/2014 7:42 PM
330Arkadiy AgresIL11/10/2014 7:32 PM
329Ernie RamosIL11/10/2014 7:28 PM
328Susan CampIL11/10/2014 7:27 PM
It makes sense for the sharing of this data with all participants, but particularly with appraisers from whom this data was collected.
Agree and support this petition.
326Jerzy SiudylaIL11/10/2014 7:16 PM
325David CattaniCA11/10/2014 7:07 PM
324Kevin ReynoldsCA11/10/2014 7:06 PM
323Loretta LaBiancaCA11/10/2014 7:03 PM
322Nicholas MulliganIL11/10/2014 7:01 PM
321Tony SaladinoIL11/10/2014 6:59 PM
320William BankheadIL11/10/2014 6:55 PM
319Charles MorrowCA11/10/2014 6:53 PM
This data that was collected by appraisers in the course of providing required information. Appraisers have collected this information and have not been properly compensated for this additional effort. It is time for a return of investment rather being used against the appraiser, unless of course this has been plan. There is no logical reason this information should be withheld and available at the beginning of the process.
318Kim JensenIL11/10/2014 6:48 PM
317dale sheaIL11/10/2014 6:39 PM
We need to have back the data WE supplied you with!
316Lynette JonesIN11/10/2014 6:39 PM
315Emanuel PetersonIL11/10/2014 6:30 PM
314Glenn BrightMS11/10/2014 5:59 PM
313Sam MartinIL11/10/2014 5:52 PM
I affirm that the data need to be provided to appraisers at the beginning of the appraisal process. This ensures transparency, and improves the lending and appraisal processes by reducing risk to lenders and the general public.
312Rhonda DooleyIL11/10/2014 5:46 PM
311Deborah TerpstraIL11/10/2014 5:42 PM
310Rhonda DooleyIL11/10/2014 5:39 PM
309Rhonda DooleyIL11/10/2014 5:39 PM
308Daniel CaseyIL11/10/2014 5:28 PM
307Jon GutsteinIL11/10/2014 5:26 PM
306John HaslerIL11/10/2014 5:20 PM
Scoring appraisals, appraisers and increasing accountability without data access is inappropriate by any measure
305John SearsIL11/10/2014 5:15 PM
304Jay MarlowNC11/10/2014 5:12 PM
303Stephen BrushIL11/10/2014 5:08 PM
302Cornelius P GillieIL11/10/2014 4:53 PM
301Judith SimnerIL11/10/2014 4:51 PM
300Mark MedonicIL11/10/2014 4:50 PM
The data collected through the UAD should be made available to professional appraisers participating in contributing this data. Additionally, if this criteria is so vital, why hide it from the appraiser?
299Gediminas AcasIL11/10/2014 4:46 PM
298John GazdaIL11/10/2014 4:46 PM
297Donna SmithIL11/10/2014 4:44 PM
296Amanda RiveraNC11/10/2014 4:39 PM
The data should be available to appraisers, furthermore they should not be able to use the data to produce products that eliminate the need for an appraisal.
295Michael PaulIL11/10/2014 4:33 PM
This data would help the appraisal process. If it is given out to lenders, it must be made available to appraisers also. If it is not, it would be a disadvantage to the appraisal profession.
294Rey CanoCA11/10/2014 4:33 PM
293Michael PicardiMA11/10/2014 4:29 PM
292Michael MeyerIL11/10/2014 4:21 PM
291Fred DregerIL11/10/2014 4:19 PM
Please allow real estate appraisers access to the GSE data that is provided through the Uniform Appraisal Dataset
290Joseph ZazzettiIL11/10/2014 4:17 PM
If we put the data in why shouldn't we have access to the data later?
289Janet RabinFL11/10/2014 4:10 PM
288Janice HileyIN11/10/2014 4:10 PM
287Jason SelfNC11/10/2014 4:09 PM
286Cheri McGannIL11/10/2014 4:07 PM
285Terry HillerichIL11/10/2014 4:06 PM
284frank russoIL11/10/2014 4:06 PM
283Dan KoonIL11/10/2014 4:06 PM
282Tom HarmonIL11/10/2014 4:02 PM
281Jerry GavittWV11/10/2014 4:00 PM
280jeffrey planconIL11/10/2014 4:00 PM
279Steve BrennerMS11/10/2014 4:00 PM
Please give due consideration to the petition. If we (appraisers) are going to be held accountable for the information you are requiring and assessing our work against, then we should have the same access to that information.
278pamela planconIL11/10/2014 4:00 PM
277Kenneth pasekIL11/10/2014 3:59 PM
276james DendorIL11/10/2014 3:59 PM
275Beverly RussellMS11/10/2014 3:58 PM
274Leah GressMI11/10/2014 3:52 PM
273Kathleen NelsonMS11/10/2014 3:51 PM
As an appraiser located in a non-disclosure state, we don't have access to FSBO sales. Even if a sale is verified through courthouse records, there is no requirement that the sales price has to be disclosed. Also, for MLS information, one appraiser may deem the same property at a different quality or condition rating from another appraiser. I have been to classes where appraisers were shown photos and there were many differing opinions as to ratings. I know that the UAD was trying to make cut and dry ratings, but that is not entirely possible. It our reports are going to be data mined, we should have access to what other appraisers are ratings comparables.
272Darryl KowalczykIL11/10/2014 3:47 PM
271Doug JirkaIL11/10/2014 3:45 PM
270Patrick EdieIL11/10/2014 3:42 PM
269William KozikIL11/10/2014 3:40 PM
268Howard WinterIL11/10/2014 3:39 PM
Transparency in the appraisal process is paramount.
267Robert ZajacIL11/10/2014 3:39 PM
To improve the appraisal process and reduce risk, the data collected through the UAD should be made available to the participating professional appraisers that contribute this data.
266Deborah KattenbrakerIL11/10/2014 3:39 PM
265David VogwillIL11/10/2014 3:39 PM
264James D, Hobson Jr.MS11/10/2014 3:38 PM
263Kathleen PhillipsIL11/10/2014 3:38 PM
262Thomas CarrollIL11/10/2014 3:37 PM
261George WymaIL11/10/2014 3:35 PM
Appraisers provided this data. Appraisers should be able to have access to the data on the front end. Thank you
260William AntonMS11/10/2014 3:34 PM
Common sense dictates that the Appraiser should have access to this data if our work and independent conclusions will be measured against such. I have found individual appraisers interpret the broad quality and condition ratings very differently. If the actual concern of the GSE's is accurate valuations, access to this data by every Appraiser would be a no brainer!
259Dennis LangIL11/10/2014 3:34 PM
258Jeffrey OttenIL11/10/2014 3:31 PM
257BROWARD STURGISMS11/10/2014 3:29 PM
it help appraisers to provide reliable reports.
256LAWRENCE TERZOIL11/10/2014 3:28 PM
255J David CozzarrelliNC11/10/2014 3:27 PM
appraiser should have access to the information and the data should not sold or used as profit center for the GSE's.
254Charles StellaIL11/10/2014 3:26 PM
253James SwerdonIL11/10/2014 3:25 PM
252BROWARD STURGISMS11/10/2014 3:25 PM
251Paul BroseIL11/10/2014 3:24 PM
250Sean SpellmanIL11/10/2014 3:24 PM
249Marina BurmanIL11/10/2014 3:23 PM
248Jennifer BoersIL11/10/2014 3:23 PM
247Dolores WarnerIL11/10/2014 3:20 PM
246Michael SnowIL11/10/2014 3:20 PM
What possible reason could there be for this information to be withheld from appraisers. We all have the same goal of providing good reports.
245Donald EdieIL11/10/2014 3:16 PM
UAD data is capricious at best in small or diverse real estate markets
244Eric KennedyNC11/10/2014 3:15 PM
It is my belief that the CU is full of fraudulent data that has been manipulated and or omitted to bypass AMC reviewers and checklists. Many of the newer appraisers have been trained to manipulate data so that it will LOOK good and not get reviewed or sent back. Appraising someones "castle" requires more than computer models and checklists - at least for the majority of my working area which is rural and/or coastal. I fear appraisers in my market will be targeted and abused by this system for trying to be honest about that data available.
243AARON WHITEDWV11/10/2014 3:13 PM
242Philip Amoruso JrIL11/10/2014 3:11 PM
241ROBERT (B0B) MORROWMS11/10/2014 3:10 PM
240Orville HastySC11/10/2014 3:05 PM
239tom paschalisIL11/10/2014 3:04 PM
238Benjamin DetermanWV11/10/2014 3:02 PM
237Richard AndersonIL11/10/2014 3:00 PM
This only makes sense.
236William KelleyIL11/10/2014 2:59 PM
235Terrence MoloneyIL11/10/2014 2:59 PM
234Robert WackenhutIL11/10/2014 2:58 PM
233Kimberly HoganWV11/10/2014 2:55 PM
Thank you this is a right that appraisers should have. Kimberly Hogan
232Donald CochranIL11/10/2014 2:53 PM
Please allow all appraisers access to the information collected on the CU/UAD format. It will allow all appraisers to do a better job supplying the necessary information.
231GARY MASARSKYIL11/10/2014 2:53 PM
230Kathie IgnatowiczIL11/10/2014 2:52 PM
229Jean McCaqrtyMS11/10/2014 2:50 PM
This will be a valuable tool for verification of data for appraisers as every appraiser knows the MLS record and the county tax records on gla are unreliable enough to affect the value at least 50% of the time.
228Celeste PeoplesIL11/10/2014 2:49 PM
227Rebecca MillerIL11/10/2014 2:48 PM
226Jean McCartyMS11/10/2014 2:48 PM
This data set will be a very important tool for verification of data such as gla as every appraiser knows the two unreliable sources for gla is the county tax record and the MLS record.
225Dustin HakmanIL11/10/2014 2:47 PM
224Chad JohnsonIL11/10/2014 2:47 PM
223Lee CanelIL11/10/2014 2:46 PM
Keeping this information from appraisers is clearly against the public interest.
222Debi JonesSC11/10/2014 2:43 PM
This information would be an invaluable tool for the appraiser and increase the accuracy of our reports. Appraisers should be allowed access to this information so that we can prevent errors proactively instead of having to correct them later. How can we be responsible for knowing information that isn't shared with us?
221Maureen SweeneyIL11/10/2014 2:43 PM
220Hosep UtasIL11/10/2014 2:42 PM
219Barbara NovakIL11/10/2014 2:40 PM
218Nicholas BorycIL11/10/2014 2:39 PM
217Beth LazarowiczNC11/10/2014 2:37 PM
216Roy TremainIL11/10/2014 2:36 PM
There are a lot of questions as to how these rules have been developed. Are they statistically sound, are they a compilation of 20 million different appraisers opinions of what the value of a bathroom is across the country? How were these validated? If these tools are available they need to be embedded in the forms software appraisers use and TRANSPARENT to appraisers, lenders and the consumer. It is inefficient to push QC to the back end, it should be front loaded so the appraiser can use it to produce credible results that meet GSE guidelines, assuming those guidelines are relevant to the valuation process. I have yet to see a chapter in any academic valuation text book that identifies the GSE guidelines as a credible approach to value or their guidelines as the definitive rule set for comparable selection and/or applicability of adjustments. Appraisers should not be scored on UW of a Risk guideline. There are better statistical tools available to measure valuation error rates. Those error rates combined with underwriting risk can then be used to develop valuation risk insurance similar to borrower credit enhancement or mortgage risk insurance. High risk valuations would require a higher premium, the market will weed out the bad valuations. Respectfully, Roy C Tremain
215Sean McDanielIL11/10/2014 2:32 PM
214Robert MartinIL11/10/2014 2:26 PM
213Russel RiceIL11/10/2014 2:26 PM
212rOBERT GriffithIL11/10/2014 2:26 PM
211Peter ParrilliIL11/10/2014 2:25 PM
210Robert GriffithAL11/10/2014 2:25 PM
209Carl VanderWoudeIL11/10/2014 2:25 PM
208S StraleyIL11/10/2014 2:24 PM
207Donna SullivanIL11/10/2014 2:21 PM
206James OnderisinIL11/10/2014 2:20 PM
205Donna SullivanIL11/10/2014 2:20 PM
204Virginia FolkmanIL11/10/2014 2:18 PM
Having access to the world's largest database would be extremely valuable to appraisers, especially those working in areas that are rural in nature, or where many realtors do not belong to an MLS system.
203Cindy GotshallIL11/10/2014 2:18 PM
202Pedro RodriguezIL11/10/2014 2:16 PM
To ensure transparency, we need to have access to the CU data, in order to perform a more accurate report. Thank you.
201Irene MiakushIL11/10/2014 2:15 PM
200Mary ZahnIL11/10/2014 2:15 PM
If this criteria is so vital, why hide it from the appraiser? Time as an industry to work this out.
199Ron E. Dowell11/10/2014 2:15 PM
198jerry miakushIL11/10/2014 2:15 PM
197Bryan TrenholmIL11/10/2014 2:14 PM
196Linda SmithNC11/10/2014 2:14 PM
Yes, let's have equal opportunity and information please
195David BramletIL11/10/2014 2:13 PM
194Jodi SwansonIN11/10/2014 2:13 PM
193Peter Gallo11/10/2014 2:13 PM
It would make much more sense for appraisers to have access to this data on the front end, rather than having to wait until FNMA provides it to the lender after the report is complete and it comes to the appraiser after the fact in the form of UW stips. The data is being taken out of our reports in the first place, so it would only be fair for those who it is being taken from to have access to it.
192Rick Salisbury11/10/2014 2:11 PM
Sharing appraiser generated data with appraisers can only improve the process. I'm stunned this is even a question.
191Paul BrownIL11/10/2014 2:10 PM
190Kerri Ellis11/10/2014 2:08 PM
If our ultimate goal is to work together to ensure reliable lending decisions it would only make sense that we all have access to the same information. The GSEs expect appraisers' reports to be consistent with the data they already have "in house"; therefore, the appraisers need access to that data from the beginning of the appraisal process. Too often, the "red flags" raised are subject to Underwriter interpretation, which sadly results in additional requests that either incorrectly address the appraisal issues or are in violation of AIR policies. Granting this access will provide benefits to all parties involved.
189Steven EngelIL11/10/2014 2:06 PM
188Keith WolfIL11/10/2014 2:04 PM
There are a lot of questions as to how these rules have been developed. Are they statistically sound, are they a compilation of 20 million different appraisers opinions of what the value of a bathroom is across the country? How were these validated? If these tools are available they need to be embedded in the forms software appraisers use and TRANSPARENT to appraisers, lenders and the consumer. It is inefficient to push QC to the back end, it should be front loaded so the appraiser can use it to produce credible results that meet GSE guidelines, assuming those guidelines are relevant to the valuation process. I have yet to see a chapter in any academic valuation text book that identifies the GSE guidelines as a credible approach to value or their guidelines as the definitive rule set for comparable selection and/or applicability of adjustments. Appraisers should not be scored on UW of a Risk guideline. There are better statistical tools available to measure valuation error rates. Those error rates combined with underwriting risk can then be used to develop valuation risk insurance similar to borrower credit enhancement or mortgage risk insurance. High risk valuations would require a higher premium, the market will weed out the bad valuations. Respectfully Keith Wolf, SRA, AI-RRS Certified Residential Appraiser: IL Managing Real Estate Broker: Il, IN, WI,TX,GA,Ut
187Richard SnowIL11/10/2014 2:04 PM
186Russel RiceIL11/10/2014 2:04 PM
185Daniel sompolskiIL11/10/2014 2:04 PM
184Scott TerpeningIL11/10/2014 2:03 PM
183Michael RyanIL11/10/2014 2:03 PM
182Julia BurnsIL11/10/2014 2:02 PM
181Matthew LongIL11/10/2014 2:01 PM
This information should only be made available to appraisers if Fannie Mae truly wants to fix the problems that have plagued our industry for years. If we could have access to the factual data about a property that Fannie has financed we would have more reliable information when we use that sale as a comparable in our report. It appears Fannie Mae would rather play the part of big brother by telling us what to do and not focusing on a problem we all have. Give us access to better tools and we can produce more reliable reports.
180Jeffrey MooreIL11/10/2014 2:00 PM
179Mary GriffithIL11/10/2014 1:59 PM
178Randy NealIL11/10/2014 1:59 PM
177Alan RossellIL11/10/2014 1:59 PM
176Robert MeixnerIL11/10/2014 1:58 PM
We as a group have provided this data ..We as a group should be able to have access too
175Peter ThommesIL11/10/2014 1:58 PM
174Richard SchroederIL11/10/2014 1:57 PM
173Joseph BouseIL11/10/2014 1:55 PM
172stephen dalyIL11/10/2014 1:54 PM
171Bob BeckerIL11/10/2014 1:53 PM
170John PawelskiIL11/10/2014 1:53 PM
169Jeffrey AllenIL11/10/2014 1:52 PM
If FNMA is truly concerned about collateral risk, this CU data will be made readily available to the duly licensed appraisal professional. Sincerely, Jeffrey Allen
168David MillerIL11/10/2014 1:51 PM
167Richard ButlerIL11/10/2014 1:49 PM
166David MillerIL11/10/2014 1:49 PM
165Jessica SturmIL11/10/2014 1:46 PM
164Michael MinerIL11/10/2014 1:45 PM
The GSE’s have mandated that all appraisals shall be submitted in the UAD format; however, there is presently no plan to provide appraisers access to this data. This data needs to be provided to appraisers at the beginning of the appraisal process, which will ensure transparency, as well as, reducing risk to lenders and the general public. I am joining this online petition to allow appraiser access to the data provided through the Uniform Appraisal Dataset (UAD). Respectfully submitted, Michael E. Miner
163Charles MessmerIL11/10/2014 1:45 PM
162Lori NobleIL11/10/2014 1:43 PM
That didn't take long and rightfully so. Thank you ICAP!
161John YastIL11/10/2014 1:43 PM
160Charlotte PeczkowskiIL11/10/2014 1:41 PM
Please allow appraiser access to the GSE data hat is provided through the Uniform Appraisal Dataset. The GSE has mandated that all appraisals be submitted in the UAD format: however, currently there are no plans to provide appraisers access to this data. Why is that? Appraisers supply the data, we should have access.
159Paul EdwardsIL11/10/2014 1:40 PM
158JOSEPH CALVANICOIL11/10/2014 1:39 PM
157Donald NiehartIL11/10/2014 1:39 PM
156Andrew NorakIL11/10/2014 1:39 PM
please provide data to the appraisers
155Robert ByrneIL11/10/2014 1:38 PM
154Andrew NorakIL11/10/2014 1:38 PM
153Dennis WilliamsonIL11/10/2014 1:37 PM
152Vince SolanoIL11/10/2014 1:37 PM
I suggest that we copyright each report we prepare. A simple copyright statement in our reports will suffice to make it our work product that can not be used outside the loan process without our consent. If the data shows up on a national data base without our permission, we may be entitled to compensation. Consult your attorney folks. We need to protect our data and work product.
151Joseph Madziarz, MAI, SRAIL11/10/2014 1:36 PM
Great appraisals begin with great data. Please provide the same access to appraisers as the GSE's have.
150Michael ParkerIL11/10/2014 1:35 PM
149Melissa RuppIL11/10/2014 1:35 PM
148Maryia HorbachIL11/10/2014 1:33 PM
147Kristine MarquardIL11/10/2014 1:28 PM
146Kevin FergusonIL11/10/2014 1:28 PM
145Thomas EdwardsIL11/10/2014 1:27 PM
144David SchmidtIL11/10/2014 1:27 PM
143Troy VictorIL11/10/2014 1:27 PM
142Gina ReynoldsIL11/10/2014 1:27 PM
This data that we are providing should be accessible to us. I cannot understand why we appraisers are being excluded from this information. The majority of appraisers working in this industry are honest, hardworking people. The lending process is a system and to have a well running system, all pieces need to work together.
141Dennis VictorIL11/10/2014 1:26 PM
140Parker MoyerIL11/10/2014 1:24 PM
139Michael WalshIL11/10/2014 1:24 PM
138Dianne CrawfordIL11/10/2014 1:22 PM
137John WagnerIL11/10/2014 1:22 PM
136Dennis ReddIL11/10/2014 1:16 PM
135Tracy NowackIL11/10/2014 1:16 PM
134Donald PaulIL11/10/2014 1:15 PM
133Patrick DunneIL11/10/2014 1:14 PM
132Diane BishopIL11/10/2014 1:13 PM
131Ellen Nord, SRAIL11/10/2014 1:13 PM
In order for Fannie Mae’s Collateral Underwriter (CU) to be fully functioning within a short amount of time, the information was provided to them through licensed appraisers using the UAD format. Making this newly collected information available to the professionals who provided it to the GSEs in the first place will help improve the appraisal/lending process. If the information is provided back to the appraisal professionals so it can be considered and used at the beginning of the appraisal process it will further help by reducing the risk to the lenders and the general public and to help ensure transparency through further assignments with all entities involved.
130Tom SchmidtIL11/10/2014 1:11 PM
129Barbara SavitchIL11/10/2014 1:11 PM
128Hough WilliamIL11/10/2014 1:11 PM
127Michael St AngelIL11/10/2014 1:10 PM
126John JanaviciusIL11/10/2014 1:10 PM
125barbara jilekIL11/10/2014 1:10 PM
124Jeffrey JohnsonIL11/10/2014 1:07 PM
123cindy Brand-MitchellIL11/10/2014 1:07 PM
122Brian MastersonIL11/10/2014 1:06 PM
Providing of this data to the appraiser is of the utmost importance in maintaining transparency and credibility during the appraisal process and is in the best interest of the general public.
121Alida NallyIL11/10/2014 1:06 PM
I support access to this information.
120Daniel RossIL11/10/2014 1:06 PM
119Ronalde JohnsonIL11/10/2014 1:05 PM
118Charles MinzenbergerIL11/10/2014 1:05 PM
allowing Appraisers access to simple data sets other Appraisers have submitted will only improve the overall process, and serve the public better by improving the accuracy of appraisal files
117Eric MeznarichIL11/10/2014 1:04 PM
116David BinzIL11/10/2014 1:04 PM
115Raymond SablickIL11/10/2014 1:01 PM
Comparison of data gathered at earlier dates under differing market conditions by appraisers with different levels of appraisal experience, without affording the current appraiser the opportunity to review the data before submitting the final appraisal report, can negatively affect the current appraisers reputation and ability to secure additional work is patently unreasonable. The purpose of the CU should be to supply pertinent data to all users before the final appraisal is submitted so it can be reviewed by the current appraiser and used if appropriate before the final report is submitted and expedite the loan closing not to be critical of the appraiser and delay the final appraisal report and closing.
114Jeff LoringIL11/10/2014 1:01 PM
The current situation is not as beneficial to the public as it could be with proper Appraiser access to all available information at the beginning of the Appraisal Process.
113Yale EplerIL11/10/2014 1:00 PM
112Doris DeanIL11/10/2014 1:00 PM
111Andrew NorakIL11/10/2014 12:59 PM
110Frank McAteeIL11/10/2014 12:59 PM
109Tom SchurerIL11/10/2014 12:59 PM
108M.DEEN GIWAIL11/10/2014 12:58 PM
107Doug HopmanIL11/10/2014 12:58 PM
106Donald L. FioreIL11/10/2014 12:55 PM
105Bryan FranksIL11/10/2014 12:55 PM
ACT Appraisal
104James V. SmithIL11/10/2014 12:53 PM
103Darcie BradshawIL11/10/2014 12:53 PM
102ROBERT WHITEIL11/10/2014 12:53 PM
101david drobischIL11/10/2014 12:52 PM
I feel appraisers should access to this data.
100Jeffery FosterIL11/10/2014 12:52 PM
99Joseph SannerIL11/10/2014 12:51 PM
98Robert VoithIL11/10/2014 12:51 PM
This information needs to be available for appraisers to further verify comparable data.
97Edmund HildebranskiIL11/10/2014 12:50 PM
We should have the same access as our clients to the data in the Portal. This will help us provide a better valuation product and protect the consumer.
96Michael SmithIL11/10/2014 12:50 PM
95Donald DragisicIL11/10/2014 12:49 PM
This is definitely needed.
94David HallmanIL11/10/2014 12:48 PM
93Patrick ShermanIL11/10/2014 12:48 PM
I agree with this petition!
92Michael DoyleIL11/10/2014 12:48 PM
The system as it exists, seems to be a system that is more concerned with catching appraisers who may have a different quality or condition rating than another appraiser. By allowing the appraisers to view the data provided on the CU, an appraiser could address why his or her opinion may differ from the CU ratings. This system appears to be more punitive than informative. The data should be made available to the appraisers in order to be able to analyze the prior appraisal data.
91Jeffrey JacobsonIL11/10/2014 12:47 PM
90Jack SchlenkIL11/10/2014 12:47 PM
89Christopher EdmanIL11/10/2014 12:47 PM
88John GlynnIL11/10/2014 12:46 PM
If the GSE effort is to be cooperative, all appraisers who generate the data should have access to it.
87David SkibbeIL11/10/2014 12:45 PM
86Susan SchmitIL11/10/2014 12:45 PM
85Sherry KeimIL11/10/2014 12:44 PM
84Bryan K CainIL11/10/2014 12:42 PM
83Bryan Matthew CainIL11/10/2014 12:42 PM
82Carl PresleyIL11/10/2014 12:42 PM
81Mitchell CainIL11/10/2014 12:41 PM
80Barbara StarkIL11/10/2014 12:40 PM
79Deborah PawlakIL11/10/2014 12:39 PM
Appraisers should be the first to be able to see this data. This way they can report any Discrepancies right up front. This will prevent any delay in closing loans with the back and forth questions that will be asked. I can guarantee that the UW will be coming back asking why certain comps were not utilized, etc. even if they are not true comps.
78Sean DandurandIL11/10/2014 12:38 PM
I agree that this data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
77Gregory HallIL11/10/2014 12:38 PM
76James ReddIL11/10/2014 12:37 PM
75Shari VolovskiIL11/10/2014 12:37 PM
74Trent HinshawIL11/10/2014 12:37 PM
73frank GirolamoIL11/10/2014 12:37 PM
72Mark BraunIL11/10/2014 12:37 PM
71Ronald RardinIL11/10/2014 12:36 PM
70Alan ZielinskiIL11/10/2014 12:36 PM
69FRANCES ESTRADAIL11/10/2014 12:35 PM
68Lori PetersonIL11/10/2014 12:35 PM
There are so many inconsistencies between assessors, Realtors and appraisers. If you want to improve the accuracy of the whole system, lets work together.
67Torrey MeyerIL11/10/2014 12:35 PM
66Connie StewartIL11/10/2014 12:35 PM
65Francis LorenzIL11/10/2014 12:34 PM
64Courtney PrenticeIL11/10/2014 12:34 PM
63Brian FrankIL11/10/2014 12:33 PM
62Steven ZawaskiIL11/10/2014 12:33 PM
61Martin WorsleyIL11/10/2014 12:32 PM
60Gary VallanceIL11/10/2014 12:32 PM
59Brian FrankIL11/10/2014 12:32 PM
58Loray RobinsonIL11/10/2014 12:31 PM
57Steven SlojkowskiIL11/10/2014 12:31 PM
56Anthony BamertIL11/10/2014 12:31 PM
55Dan McNeillyIL11/10/2014 12:31 PM
54Rene MayIL11/10/2014 12:31 PM
53Thomas WarnerIL11/10/2014 12:30 PM
52Scott McCallumIL11/10/2014 12:29 PM
Would it not be in FNMA's - let alone the public's best interest to allow the professionals charged with such an intricate part of the mortgage process access to data?
51Larry RateganIL11/10/2014 12:28 PM
50Kevin SchulenburgIL11/10/2014 12:28 PM
49Sharon Kay StinsonIL11/10/2014 12:28 PM
48sokrartes paschalisIL11/10/2014 12:27 PM
47Alvin L Wagner IIIIL11/10/2014 12:26 PM
If FNMA is truly concerned with improving the appraisal process and reducing risk, the data collected through the UAD should be made available to professional appraisers participating in contributing this data.
46melissa diehlIL11/10/2014 12:26 PM
45Kurt HillmanIL11/10/2014 12:26 PM
44Cynthia ZazzettiIL11/10/2014 12:25 PM
This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
43Gegory SchmittIL11/10/2014 12:25 PM
42Frantz DegandIL11/10/2014 12:25 PM
41Michael Teel, SRAIL11/10/2014 12:25 PM
40Victoria KellyIL11/10/2014 12:25 PM
We need to work together as a team and not as adversaries. Allow us to see the data that you have collected from our professionals.
39H M JUNGIL11/10/2014 12:24 PM
38Todd RuhlIL11/10/2014 12:24 PM
37christopher nickellIL11/10/2014 12:24 PM
36Jeffrey BarnettIL11/10/2014 12:23 PM
35Bob McDonaldIL11/10/2014 12:23 PM
34Joan HylandIL11/10/2014 12:23 PM
33Adebayo AdanriIL11/10/2014 12:23 PM
32Geralyn EcklundIL11/10/2014 12:23 PM
31Michael McDermandIL11/10/2014 12:23 PM
30Jeffrey BarnettIL11/10/2014 12:23 PM
29John MauckIL11/10/2014 12:23 PM
28Jon GillespieIL11/10/2014 12:23 PM
27Jeffery WolfeIL11/10/2014 12:22 PM
26Terrance SullivanIL11/10/2014 12:22 PM
Fannie Mae's Collateral Underwriter needs to made available to appraisers who provide the information.
25James LovensIL11/10/2014 12:22 PM
24Richard PalmIL11/10/2014 12:22 PM
23Vito BellantuonoIL11/10/2014 12:22 PM
22Brian PalmIL11/10/2014 12:22 PM
21James FriedenbachIL11/10/2014 12:21 PM
20william paulIL11/10/2014 12:21 PM
It's our data and our livelihoodS at stake we demand access to this data
19David GulleyIL11/10/2014 12:21 PM
18Jackie Hujar IL11/10/2014 12:21 PM
17Daniel TweedieIL11/10/2014 12:21 PM
16Patrick FelveyIL11/10/2014 12:21 PM
15Keneth VegaIL11/10/2014 12:20 PM
14Jason CloudIL11/10/2014 12:20 PM
13Anthony ShermanIL11/10/2014 12:20 PM
12Rick HitonIL11/10/2014 12:20 PM
You must include the appraisers in THEIR PROCESS. It is our data and you are giving it to non-appraisers to make appraisal decisions on. Would it be better if you gave us the data and we were able to send in the file correctly the first time?!?!?!?!
11Robert JilekIL11/10/2014 12:20 PM
10james farrellyIL11/10/2014 12:20 PM
9Robert KirchIL11/10/2014 12:20 PM
8Kimberly BurnsIL11/10/2014 12:20 PM
7Matthew RayburnIL11/10/2014 12:20 PM
Fannie Mae’s Collateral Underwriter (CU) will be available in the first half of 2015. The CU performs automated risk assessment of appraisals submitted to the Uniform Collateral Data Portal based on information that you provided through the Uniform Appraisal Dataset (UAD). The CU provides a risk score, flags, and messages to the lender. The GSE’s have mandated that all appraisals be submitted in the UAD format; however, currently there are no plans to provide appraisers access to this data. This data needs to be provided to appraisers at the beginning of the appraisal process; ensuring transparency, and improving the process by reducing risk to lenders and the general public.
6Jason CloudIL11/10/2014 12:20 PM
5Jim BlaydesIL11/10/2014 12:20 PM
4Mitch ZavedukIL11/10/2014 12:19 PM
3Terry PopeIL11/10/2014 12:19 PM
2Trisha KarkiIL11/10/2014 12:19 PM
1Mark NastIL11/10/2014 12:19 PM