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Appraisals are done at the front end of the process. Not appraising will break some deals in a hot market, but it will be early in the process.

OK, I give up. Have it your way. The industry needs to straighten up and fly right. Oppressive legislation's got nothing to do with nothing. You, the consumer, are fully in control--or ought to be. After all, you're paying fees! Uh huh.
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