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Don't give up the fight, you paid for the appraisal, you should receive a copy of the appraisal and a list of reasons why it was adjusted.

I attended a talk by an appraiser of 24 years on Thursday night. His talk was about how I, as a loan originator, can assist an appraiser to provide a complete and comprehensive appraisal. Why is it up to the homeowner (or loan originator) to assist the appraiser? Because whereas an appraiser might have earned $350-450 for an appraisal in the past, they now earn $250, the difference going to AMCs (appraisal management companies), the middleman inserted into the process pursuant to HVCC (Home Valuation Code of Conduct).

He said at $250, appraisers have practically uniformly adopted a "quick 'n dirty" approach to appraising; otherwise, they can't make a decent living. If a homeowner wants adjustments made to his work product, it's up to the homeowner or loan originator to provide the reasons why the appraisal should be adjusted, not the other way around. In other words, don't expect an appraiser to provide you with a copy of his appraisal and a list of reasons why he appraised your home as he did. Ain't gonna happen.
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