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General Discussion / Re: Forum Use
« Last post by Rick Neighbors on February 01, 2018, 11:40:08 AM »
Hey Bobby!

Well, maybe we need to bring this up again at a meeting. Teresa was the moderator, not sure who is now. It keeps kicking me off and trying to make me a "guest", so there must be some issues. I finally found where I posted my "password" so I could log back on.

This really could be a great tool for the ATA members.

General Discussion / Re: Forum Use
« Last post by Bobby Crisp on February 01, 2018, 11:20:00 AM »
Looks like Facebook is the more "preferred" internet website when communicating.  I tried to get on this forum about a week or so ago to post something, but it kept refusing my post.  Then, I'd try again, it would say, "This post has already been posted."  Yet, there was nothing.  Oh well....
General Discussion / Forum Use
« Last post by Rick Neighbors on February 01, 2018, 11:01:32 AM »
Well, it seems that no one is using the forum anymore, myself included.  :(

Sure hoped this would be a source of both information and entertainment.

What happened? :)  Facebook taking all our free time??  ;)

General Discussion / Ft. Worth Meeting on 7/21
« Last post by Rick Neighbors on January 18, 2017, 11:03:02 AM »
Sure hope to see a nice turn out for this meeting!

Looking forward to seeing everyone.

General Discussion / First Domino Has Fallen
« Last post by Alan on December 27, 2016, 06:50:58 AM »
This is a follow-up to the thread:

I was unable to post the attachments on this forum, so I'm including a link to another web site where they are available:

buene suerte.
General Discussion / Re: FHA Appraisals
« Last post by Alan on December 26, 2016, 11:23:53 PM »
HUD/FHA Handbook 4000.1 Updates Begin CYA:

Based on a recent TALCB complaint ruling, the HUD Handbook issues (and other client specified SOW requirements) may be dismissed by the Appraiser and are no longer relevant.

First Domino Has Fallen:
General Discussion / FHA Appraisals
« Last post by Rick Neighbors on November 11, 2016, 09:42:51 AM »
As we know by now, the guidelines for FHA work has been revised somewhat.

Do you think this is because quiet a few appraisers quit doing FHA work, or just because they thought better of the original guidelines?

From conversations on here, on the other forums, and with appraisers in general, there sure was a lot of differing opinions as to just what was expected of us in doing FHA work.

At least now, it seems to me, they have backed off of the guidelines enough that I have decided to give FHA work another try.

What say you?   :)

General Discussion / Scope of Work
« Last post by Rick Neighbors on November 11, 2016, 09:38:26 AM »
Received a request for fee and TT to do an HECM appraisal for an AMC/Lender.

After submitting my fee, they sent the assignment.

However, it does not mention HECM, just FHA Appraisal.

I'm concerned that this will bite me later, as the Scope of Work is not exactly what they asked me for initially.

They said their Chief Appraiser said it was no problem......but I am still not sure.

Any thoughts?


General Discussion / Re: First Domino
« Last post by Rick Neighbors on March 29, 2016, 07:37:17 PM »
Interesting, keep us posted.

Personally, I have not done any FHA assignments since the inception of 4000.1, with the exception of 1 new construction, and 1 that I required a copy of the Inspection Report.....which I deferred to in my appraisal report.

General Discussion / First Domino
« Last post by Alan on March 25, 2016, 02:26:44 PM »
I posted this elsewhere on the web, thought this forum would be a good place too.


The FHA HUD 4000.1 Handbook was updated on September 14, 2015. Since that time, the Appraiser User Community Members have been discussing and arguing about the impact of the Handbook updates. The entire Appraisal User Community knows the updated Handbook Appraisal inspection requirements are far beyond an Appraiser’s expertise and no Appraiser is complying with them.

The updated Handbook impact on Appraisers will be determined by the state appraisal licensing boards. It’s time to get them involved and let them rule on the issue.

A complaint has been filed with a state licensing board regarding an FHA Appraisal. The complaint is under review by the board. The board’s decision will be available when the complaint has been resolved. The estimated resolution date is not known.

I’ve discussed the complaint’s general issues with Appraisers and consultants across the country. I believe this is the first complaint in the country submitted on this topic. The board’s ruling will set a precedent for FHA Appraisals and related disciplinary action.

If the board upholds the complaint, then most (if not all) FHA Appraisals performed since Sep 14, 2015 have been performed improperly and the Appraiser performing the assignment is subject to disciplinary action. The FHA Staff will be forced to rewrite the Handbook 4000.1 Appraisal inspection requirements.

If the board dismisses the complaint, then the Board subverts USPAP and provides Appraisers a get out of jail free card by adding generic denial statements to the appraisal report and allowing the Appraiser to do whatever they want. The Handbook 4000.1 may be thrown in the trash can since the Appraiser may rewrite the assignment scope of work and ignore the Handbook.

Regardless of which way the Board rules, their decision will impact the Appraisal User Community Members. The board decision will provide the basis and defense for Appraisal User Community Members on future appraisal activities.

The submitted complaint applies to most (if not all) FHA appraisals performed since September 14, 2015.

The complaint’s general issues are:

  •The assignment was an FHA Appraisal.

  •The scope of work included the Handbook 4000.1 Appraisal requirements. This requires the Appraiser to have competency in structural, mechanical, plumbing, electrical, etc systems.

  •The Appraiser stated in the report their expertise was in determining value only.

  •The Appraiser stated in the report they did not have expertise in structural, mechanical, plumbing, electrical, etc and made the extraordinary assumption the items beyond their expertise were ok and recommended the client should consult an expert in the field if they have questions.

  •The Appraiser stated in the report they complied with the client’s scope of work.

The USPAP Competency Rule states an Appraiser must:
 (1) be competent to perform the assignment;
 (2) acquire the necessary competency to perform the assignment; or
 (3) decline or withdraw from the assignment.
In all cases, the appraiser must perform competently when completing the assignment.

According to USPAP, if an Appraiser does not have the competency to perform an assignment’s scope of work, then the Appraiser must acquire the competence or decline the assignment. The Appraiser cannot admit they do not have the competency to perform the assignment scope of work, then perform the assignment anyway.

The USPAP Ethics Rule states an Appraiser:
 - must not use or communicate a report that is known by the appraiser to be misleading or fraudulent;

The Appraiser admitted they did not have the competency to perform the assignment scope of work, then claimed they complied with the client’s scope of work in the report.

These are blatant violations of the USPAP Competency Rule and the USPAP Ethics Rule.

The submitted complaint is the first domino. Regardless of which way it falls, there will be a far reaching impact on the Appraisal User Community Members.

I’m eagerly awaiting the Board’s decision.
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