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to a third party; and then someone from Maryland, Northern Virginia or D C. comes out and has no clue. When the appraisal comes back and it is low, we, the mortgage broker or the homeowner, cannot talk to anyone. That is the way it came in and that is they way it stays.
Second, the appraisal fees also have gone from S300- $350 to $400-$500. They have to be paid for in advance with a credit card, they cannot be put into a borrower’s closing costs. This whole process take a minimum of three weeks.
1 have had an appraiser go to a client's house at 7 a m. to do an HYCC appraisal so she can go to her "real job," because she cannot make any money doing appraisals now She has gone from doing 15-20 a month to two or three This is the worse she has seen it
Third, this rule only applies to conventional mortgages; it does not apply to FHA mortgages. If you want to do a FHA loan, you can hire your own appraiser. But FHA mortgages mean
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