Appraisal Question

Preface: the new forum format seems to have trashed all the comments and answers to similar past questions, so forgive my asking a question I know has had many answers in the past. Given the new appraisal rules which create the lottery system , and the low appraisals folks have been seeing, which banks/lenders have folks seen the best results from? I know Wells Fargo has the reputation for having really low appraisals and for being very inflexible. I think they are trying to use the rules to force people into 203k construction loans instead of conventional loans, but I can’t prove this, but it unfortunately seems to be a new breed of redlining. Which banks/lenders have folks experienced as being the best to deal with in getting the best appraisals on a conventional loan?

Javi80

in Appraisals 13 years and 11 months ago

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michaelmilesryan | 13 years and 9 months ago

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ask my broker Vanessa Thatcher 631 6724113 she got my loan through when three others couldnt

 Vanessa rocks if she says she can do something believe it!!!! After
THREE mortgage brokers promised all sorts of things nd wasted 16
months of my life on a whim I followed up on a post I saw on this site
and tracked her down thinking id just sound her out on a few things
that didn’t seem right. Because God know the last thing I ever
intended to do was go through another application process {I actually
had the commitment at that point but terms were suddenly changing}  By
about 30 minutes into that call I was forwarding her a tenth of the
documents the other broker wrung out of me and she had submitted my
application with an understanding that I could hold on to my
commitment until she delivered what she promised.
What did she promise? That that was all the documents I would have to
submit ,that I would have an answer in a week,that I would get a rate
half a point lower than I was being offered and instead of paying 4
points I was going to be paid two points towards closing costs, that I
could put less money down,That the loan would be placed and accepted
by a nationally recognized lender rather than the sub prime outfits I
had been led to believe were my only option and which had been putting
me through the wringer. She promised to be open and honest about her
fees and the behind the scenes fee structure even opening  the current
rate sheets to allow me to decide on whether to take more money for
closing or get my rate  lower than the thrilling rate of 4.37
fixed.when a couple of snags  came up she handled them like an air
traffic controller- literally hiring little old ladies over the phone
in a small town I had a second home in 3000 miles away to track down
documents in county clerks offices for $50 and overnight them. She got
the new lender to accept my already done appraisal and title
insurance. she found a government targeted zipcode grant I was
entitled to.she knew when to bully and when to flatter people like the
sellers attorney and realtor.and suggested creative structuring of
things like contract concessions to shepherd the closing through.
Did she deliver on her promises ? EVERY DAMN ONE OF THEM !!!!!!!!!
she literally had me processed approved and poached the loan number
from the other lender and got me closed in less than three weeks while
this other clown who had jerked me around for 8 months was still
trying to find some documents he had lost once again.Boy was he
surprised when he called to tell me he had extended my lock and I
would be charged a fee and I told him I was already close! Now that
was FUN!
FULL DISCLOSURE
I promised Vanessa I would sing her praises on here. But Gods honest
truth she truly rocks. she is trustworthy to a degree that’s rare
today and unheard of in this sleazy real estate racket,  extremely
competent,patient with you will explain clearly and in as much depth
as you wish whatever you ask  has great relationships with lenders
appraisers and their attorneys that work in your favor. and really
knows about the business.anyone can feel free to contact me personally
for more information.

brownstoner | 13 years and 11 months ago

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