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Most recent emails
Email archives - 9-01
To get the very latest news,
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NOTE: some of the older links
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Search for a topic using your browser's search function.
Go to Edit, then Find in Page. Some of them have been edited from the
original to correct typos and new information! I have been sending them since June, 1994.
9/3/01 Telecom down/bad brokers/candid fotos
New this week from Appraisal Today e-news
+ AppraisalTech "candid" photos now online!
+ Apps Up
+ Telecom space vacancy down at 39% vacant
+ Appraisers in the New York Times
+ Bad broker registry in trouble
+ Heithaus moves to Prudential
+ Do you have a Web site?
>>>>>>>>>> APPRAISALTECH "CANDID" PHOTOS NOW ONLINE! <<<<<<<<<<
Go to http://www.appraisaltoday.com/Appr%20Tech%202001%20fotos.htm . Don't
miss the captions ;>
AOL Users: <a
href=http://www.appraisaltoday.com/Appr%20Tech%202001%20fotos.htm> Click
Here</a>
>>>>>>>>>> APPS UP <<<<<<<<<<
The market composite index of mortgage loan applications—a measure of loan
purchases and refinances—for the week ending August 24 increased 8.3
percent to 552.2 on a seasonally adjusted
basis from 509.8 the previous week, according to the Weekly Mortgage
Applications Survey of the Mortgage Bankers Association of America (MBA),
which was released last Wednesday. On an unadjusted basis, the application
index increased 7.1 percent and was up 75.8 percent compared to the same
week a year earlier.
Refinancing activity represented 53.7 percent of total applications,
increasing from 49.7 percent the previous week. ARM activity increased to
12.6 percent from 11.7 percent the previous week.
The average contract interest rate for 30-year fixed rate mortgages was
6.83 percent, decreasing slightly from 6.85 percent the previous week, with
points decreasing slightly to 1.31 from 1.32 (including the origination
fee) for 80 percent loan-to-value (LTV) ratio loans.
>>>>>>>>>> TELECOM VACANCY DOWN AT 39% VACANT <<<<<<<<<<
Telecom space vacancy in major markets dropped from 44.6% in Quarter 1 to
39% in Quarter 2 per a semi-annual Grubb & Ellis report.
To read the 4-page report, go to
http://www.grubb-ellis.com/Research/ResearchLocalResearch.asp?UserGroupID=&L
inkID=101&ParentLinkID=58 . Cut and paste this long link into your browser.
>>>>>>>>>> APPRAISERS IN THE NEW YORK TIMES <<<<<<<<<<
Two interesting article in the Sept. 2 issue of the New York Times - a "day
in the life of an appraiser" including AVMs and other issues, and
"Appraisers and the Pressure to Inflate Valuations," go to
http://www.nytimes.com check the archives for the past week using keyword
"appraisal." Registration is required to view the article. Thanks to
Kathleen Farrelly for posting this info at www.appraisersforum.com
.
AOL Users: <a href=http://www.nytimes.com> Click Here</a>
Don't wait to read this article as it is free now but "pay per view" after
7 days!
>>>>>>>>>> BAD BROKER REGISTRY IN TROUBLE? <<<<<<<<<<
Almost four years ago, the National Association of Mortgage Brokers
proposed a registry of "problem" mortgage brokers.
But now NAMB is uncertain if it wants to continue its participation in an
industry coalition that is working on the registry, per a August 6 article
in National Mortgage News (NMN) written by Lou Sichelman, long time
mortgage industry reporter.
Per NMN, the coalition also includes the Mortgage Bankers Assocation,
Fannie Mae, and Freddie Mac.
Controversial issues include voluntary vs. mandatory participation, and
opening data to regulators and consumers, and reporting loan level
performance data.
>>>>>>>>>> HEITHAUS MOVES TO PRUDENTIAL <<<<<<<<<<
Prudential Real Estate and Relocation Services has named John Heithaus as
senior vice president, product and partner development. He was previously
senior vice president-global business alliances and international
operations for Monstermoving.com.
Heithaus spoke at AppraisalTech 2001 on the future of appraising and
technology. For his conference bio, go to
http://www.appraisaltoday.com/Heithaus_bio.htm
AOL Users: <a href=http://www.appraisaltoday.com/Heithaus_bio.htm> Click
Here</a>
>>>>>>>>>> DO YOU HAVE A WEB SITE? <<<<<<<<<<
Two-thirds of all small businesses in the United States have Internet
access and about half of those have a Web site, according to a new survey
from Dun & Bradstreet and reported by Nua Publishing as reported by Inman
News.
http://www.inman.com/hstory.asp?ID=25986&CatType=R
AOL Users: <a href= http://www.inman.com/hstory.asp?ID=25986&CatType=R>
Click Here</a>
=======================================
If you don't already subscribe .... To get all the news, not just the
headlines and links, subscribe to my monthly "paper" and PDF Appraisal
Today newsletter for $99 per year ($149 for 2 years), call 800-839-0227 or
fax 800-839-0014 (credit card orders) or send your check (made out to RECR)
to 2015 Clement Ave., Alameda, CA. Order online or print out an order form
at http://www.appraisaltoday.com/orderfrm.htm
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========================
9/9/01 Get
help/Apps up (again)
New this week from Appraisal Today e-news
+ Sept. Appraisal Today - digital cameras etc.
+ Loan apps up 11.9% in one week
+ Loan origination over $1.8 Trillion in 2001??
+ How to get help from other appraisers online
+ AppraisalTech presentations online
>>>>>> SEPT. APPRAISAL TODAY -
DIGITAL CAMERAS ETC. <<<<<<<
New in the September issue of Appraisal Today:
- Digital Cameras - what's hot
- Automated Valuation Models - What's New?
- Increase your profits by differentiating your
appraisal business
- A new edition of "The Bible" - The
Appraisal of Real Estate(book review)
- One big appraisal organization?
- Appraiser watch
- HUD sanctions 55 lenders
- Refi boom coming?
- Freddie Mac sends fraud warning letter to
lenders
- Appraisal Institute speaks up on appraiser
pressure
- NAR against appraiser pressure
If you don't already subscribe .... To get all
the news, not just the headlines and links, subscribe to my monthly
"paper" and PDF Appraisal Today newsletter for $99 per year ($149 for
2 years), call 800-839-0227 or fax 800-839-0014 (credit card orders) or send
your check (made out to RECR) to 2015 Clement Ave., Alameda, CA. Order online or
print out an order form
at http://www.appraisaltoday.com/orderfrm.htm
AOL Users: <a href=http://www.appraisaltoday.com/orderfrm.htm>
Click Here</a>
To order a FREE sample issue or get more
information, go to
http://www.appraisaltoday.com/sample.htm
or call 800-839-0227 or fax 800-839-0014 . AOL Users: <a
href=http://www.appraisaltoday.com/sample.htm>
Click Here</a>
>>>>>>>>>> LOAN
APPS UP 11.9% IN ONE WEEK <<<<<<<<<<
The market composite index of mortgage loan
applications—a measure of loan purchases and refinances—for the week ending
August 31 increased 11.9 percent to 617.8 on a seasonally adjusted basis from
552.2 the previous week, according to the Weekly Mortgage Applications Survey of
the Mortgage Bankers Association of America (MBA), which was released last
Wednesday.
On an unadjusted basis, the application index
increased 10.8 percent and was up 92.7 percent compared to the same week a year
earlier.
The MBA seasonally adjusted Purchase Index
increased to 317.4 from 295.0 the previous week; the Refinance Index increased
to 2365.0 from 2048.4. Other seasonally adjusted index activity included the
Conventional Index, which increased to 809.4 from 724.0 the previous week, and
the Government Index, which increased to 297.9 from 265.3 the previous week.
Refinancing activity represented 56.0 percent of
total applications, increasing from 53.7 percent the previous week. ARM activity
decreased to 11.0 percent from 12.6 percent the previous week.
The average contract interest rate for 30-year
fixed rate mortgages was 6.83 percent, remaining the same as the previous week,
with points decreasing to 1.17 from 1.31 including the origination fee) for 80
percent loan-to-value (LTV) ratio loans.
>>> LOAN ORIGINATION OVER $1.8 TRILLION
IN 2001?? <<<
Wholesale Access believes 2001 will be a banner
year for the mortgage industry. They predict flat interest rates through the end
of the year, due to a sluggish economy (but no recession) and the probability of
another rate cut by the Federal Reserve.
Consumers will continue to refinance their
mortgages at a high rate. Many Americans have been encouraged by the low
interest rates and rapidly rising real estate values to take equity out of their
homes. New home sales were strong in first and second
quarter, suggesting sales for the year will be
higher than NAR's 904,000-unit projection.
During the first five months of 2001, Americans
bought more home than during any previous January-to-May period. The National
Association of Realtors (NAR) projects total 2001 sales of 5.15 million, making
this one of the biggest years in history. So far this year, sales have been
running ahead of NAR projections.
Wholesale Access is a mortgage market research
company.
To read the press release, go to http://www.wholesaleaccess.com/prs.9.4.01.shtml
AOL Users: <a href=http://www.wholesaleaccess.com/prs.9.4.01.shtml>
Click Here</a>
>>> HOW TO GET HELP FROM OTHER
APPRAISERS ONLINE <<<<
I get lots of calls from appraisers looking for
info. I usually just send them to my web site and tell them to use the search
button at the top of each page. Of course, I do spend more time with paid
subscribers to Appraisal Today ;>
But there are other places to look. I have a page
of appraiser email lists and chat boards at http://www.appraisaltoday.com/appr__online.htm
, including a link to the very popular deadbeat client list at
appraisersforum.com .
AOL Users: <a href=http://www.appraisaltoday.com/appr__online.htm>
Click Here</a>
>>>>>> APPRAISALTECH
PRESENTATIONS ONLINE <<<<<<
Speaker PowerPoint and PDF presentations are
available at http://www.appraisaltech2001.com
.
AOL Users: <a href=http://www.appraisaltech2001.com>
Click Here</a>
How to get business from the Internet - Chip
Wagner
Commercial appraisal data - John Wood
Appraisal forms software - Jeff Bradford
Appraisal forms software - Wayne Pugh
Appraisals on the Internet - Mark Yellen
Appraisals on the Internet - Leslie Hurlburt
New hardware for appraisers - John Cirincione
Internet resources for appraisers - Bruce Hahn
If you don't have Powerpoint, a link to the
viewer is on the conference web site.
I have a few conference binders left (about 50
pages of articles and speaker bios) for $25 each. To order, send a check to
Appraisal Today, 2015 Clement Ave., Alameda, CA 94501. Or, printout an order
form and fax (or mail) it in - just write in "AppraisalTech binder". http://www.appraisaltoday.com/orderfrmfax.htm
. Sorry, online ordering is not available for the binder.
AOL Users: <a href=http://www.appraisaltoday.com/orderfrmfax.htm>
Click Here</a>
9/16/01 A little appraisal humor/legs®s news
New this week from Appraisal Today e-news
+ What Is Really Important
+ A little appraisal humor
+ Sept. Appraisal News Online - legs & regs
+ Apps down slightly
+ Client pressure
+ Entitlements seminar in Northern CA
+ O'Rourke travels to Virginia
>>>>>>>>>> WHAT IS REALLY IMPORTANT <<<<<<<<<<
Your family. Your friends. Your health.
Not money.
>>>>>>>>>> A LITTLE APPRAISAL HUMOR <<<<<<<<<<
Here are a few tidbits from the appraisal humor posted at
http://www.appraisaltoday.com/humor.htm
AOL Users: <a href=http://www.appraisaltoday.com/humor.htm> Click Here</a>
Top 10 ways to say "No"
2. If they can't pronounce your city name, say No.
6. If they answer the phone saying "ABC Mortgage, formerly XYZ Mortgage,"
say NO.
For the other 8 ways, go to
http://www.appraisaltoday.com/sayingno.htm
AOL Users: <a href=http://www.appraisaltoday.com/sayingno.htm> Click Here</a>
Creative appraisal definitions
Band of Investments - A group of financial officers who hold jam sessions
in the back room of the NYSE.
Fair Market Value - The value of items sold at a country fair.
For 12 more definitions, go to http://www.appraisaltoday.com/creative.htm
AOL Users: <a href=http://www.appraisaltoday.com/creative.htm> Click Here</a>
>>>>>>>>>> SEPT. APPRAISAL NEWS ONLINE - LEGS & REGS <<<<<<<<<<
Check out the news summaries at the September issue of Appraisal Institute
Online. The AI is very good at keeping track of legislative and regulatory
issues such as FHA and banking regs.
For example, did you know that Oklahoma has allowed people to become
licensed appraisers without any experience requirements (as did IL)? Both
states have passed new laws requiring experience for new licensees. The ASC
recently sent a letter to Oklahoma asking how they were going to handle all
the currently licensed appraisers who don't have the AQB experience
requirements (grandfathered).
Of course, I remember the "good old days" when all it took was a clipboard,
tape, and a camera to "become" an appraiser. And, of course, an employer or
a few clients. ;>
Go to http://www.appraisalinstitute.org/anol/2001-09/industry_news.asp
AOL Users: <a
href=http://www.appraisalinstitute.org/anol/2001-09/industry_news.asp>
Click Here</a>
>>>>>>>>>> APPS DOWN SLIGHTLY <<<<<<<<<<
The market composite index of mortgage loan applications—a measure of loan
purchases and refinances—for the week ending September 7 decreased 2.6
percent to 601.8 on a seasonally adjusted basis from 617.8 the previous
week, according to the Weekly Mortgage Applications Survey of the Mortgage
Bankers Association of America (MBA), which was released last Wedy. On an
unadjusted basis, the application index decreased 22.7 percent but was up
76.7 percent compared to the same week a year earlier.
Just a brief rest for apps, I suspect, as rates are at their lowest for the
past 2 years.
>>>>>>>>>> CLIENT PRESSURE <<<<<<<<<<
The Appraisal Institute has some some interesting material on client
pressure on appraisers, including such links as Representative Schakowksy's
(D-IL) Client Pressure Legislation : H.R. 2531 (July 20, 2001--Pending in
107th Congress)
Go to http://www.appraisalinstitute.org/govrnmnt/action_alert2_index.htm
AOL Users: <a
href=http://www.appraisalinstitute.org/govrnmnt/action_alert2_index.htm X>
Click Here</a>
>>>>>>>>>> ENTITLEMENTS SEMINAR IN NORTHERN CA <<<<<<<<<<
In California, entitlements are a major cost and hassle in residential land
development.
The Sacramento-Sierra chapter of the Appraisal Institute is having an
"Entitlements, Land Subdivision and Valuation" seminar in Sacramento, CA on
September 28, 2001
The 8 speakers include land brokers, developers, and planners.
The seminar focuses on the Sacramento area, but if you do subdivision
appraisals in California, you have to deal with the same issues.
FYI, entitlements are all the approvals and processes developers have to go
through, such as environmental, planning, etc. One of the primary reasons
for the high cost of California homes.
For more information, go to http://www.sacramentosierra.org
or call
916-972-9700.
AOL Users: <a href=http://www.sacramentosierra.org> Click Here</a>
>>>>>>>>>> O'ROURKE TRAVELS TO VIRGINIA <<<<<<<<<<
I will be speaking in the afternoon at the Virginia Association of
Realtor's annual meeting Oct. 2. If you will be there, be sure to come up
and say "Hi." What's my topic? What's happening in appraisal today,
particularly topics from this email newsletter!!
For info on the meeting, call (800) 755-8271 or go to
http://www.appraisalsection-var.com
for info on the organization and its
educational offerings.
AOL Users: <a href=http://www.appraisalsection-var.com> Click Here</a>
I'm planning on traveling to Virginia's Eastern Shore for a mini-vacation.
If you know of any B&Bs or hotels on the water, let me know. I have been
sailing my 22 ft. sailboat on San Francisco Bay for over 20 years and
wanted to visit Chesapeake Bay for years. Now, I'm finally going...
=======================================
If you don't already subscribe .... To get all the news, not just the
headlines and links, subscribe to my monthly "paper" and PDF Appraisal
Today newsletter for $99 per year ($149 for 2 years), call 800-839-0227 or
fax 800-839-0014 (credit card orders) or send your check (made out to RECR)
to 2015 Clement Ave., Alameda, CA. Order online or print out an order form
at http://www.appraisaltoday.com/orderfrm.htm
AOL Users: <a href=http://www.appraisaltoday.com/orderfrm.htm> Click Here</a>
To order a FREE sample issue or get more information, go to
http://www.appraisaltoday.com/sample.htm
or call 800-839-0227 or fax
800-839-0014 . AOL Users: <a
href=http://www.appraisaltoday.com/sample.htm> Click Here</a>
9/23/01 Internet use/apps down/HUD problems
New this week from Appraisal Today e-news
+ Sept. 11 and Internet use
+ HUD sees appraisal problems in REO disposition
+ Education in Sacramento CA and Reno NV
+ Apps down 14%
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>>>>>>>>>> SEPT. 11 AND INTERNET USE <<<<<<<<<<
In 1989, the Loma Prieta earthquake collapsed a freeway about 10 miles from
my office, caused fires in San Francisco, and did major damage in other
areas. I remember being glued to a TV station that had continuous news,
although they were operating on batteries and had a very makeshift news
room. Fortunately, my electricity was on but phone lines (regular and
cellphone) were completely clogged and useless. Few of my friends and
family had email accounts and the Web was not used much at all except by
academics. I was really worried about my friends and family, with no way to
contact them, both those who could have been caught in the collapsed
freeway and those in areas not affected so I could let them know we were
okay.
Electronic communication after the September 11 tragedy in New York was
quite different.
Many people affected directly by the tragedy were able to email friends and
family to let them know what happened. Web site were set up immediately to
disseminate information about missing persons and how to help.
Soon after September 11, the Pew Internet & American Life Project released
a report on Internet use, "How Americans Used the Internet After the Terror
Attack," detailing how Americans did and did not use various forms of
technology on Sept 11 and 12, 2001.
Americans, including Internet users, relied mostly on TV for their news and
the phone primarily for their communication needs in the days following the
terror attacks on the World Trade Center in New York City and the Pentagon.
But for many online Americans, the Internet played a useful supplemental
role as a communications tool through their use of email and instant
messaging and as a news source. In addition, many Internet users were
highly active in their communities in responding to the attacks.
The Internet was not a primary resource for news or outreach for most
Americans after the terror attacks, but it was a helpful supplement to TV
and the telephone and many found it useful for expressing their sorrow and
anger at the assault.
Some 30% of Internet users say the Internet helped them learn about what
was going on in the first days after the attacks occurred and 29% say the
Internet helped them connect with people they needed to reach.
For more details, go to
http://www.pewinternet.org/reports/toc.asp?Report=45
for the full text of
the report.
AOL Users: <a href=http://www.pewinternet.org/reports/toc.asp?Report=45>
Click Here</a>
>>> HUD SEES APPRAISAL PROBLEMS IN REO DISPOSITION <<
HUD's Office of Inspector General (OIG) found major problems in HUD's
management and marketing (M&M) contractors that manage their REO properties
(disposition), including appraisals.
The report, dated June 14, 2001 covers January 1995 to October 2000, for
the Philadelphia Home Ownership Center (HOC). HUD says the problems are
found in other regions. During that period 188,486 properties were appraised.
Appraisals are a key factor in the process. Per the report, "Since the
appraised value is used to establish the property's list or asking price,
the appraisal directly affects a property's marketability, and is a key
factor in determining the amount and timeliness of an M&M contractor's fee
payments. Consequently, the appraisal process is inherently vulnerable to
abuse and should be closely monitored,"
Per the report, "Our analyses of the data, and comparisons of appraisal
values and sales prices, and limited testing of owner-occupant sales,
indicated that HUD should be concerned about the quality of SF REO
appraisals and the high potential for special sales program abuse."
OIG's review of appraisals, using two automated systems, showed that "the
quality of the appraisals was highly questionable and that some alarming
trends were readily apparent." Particularly since 1999, with the
outsourcing of REO management by HUD.
The 188,486 appraisals were completed by 623 companies. However, the top 10
companies did about 79% of the appraisals, with one company completing 67
percent, First American Appraisal Services - 126,074 appraisals, 66.89% of the
The audit report is available at http://www.hud.gov/oig/ig130803.pdf.
AOL Users: <a href=http://www.hud.gov/oig/ig130803.pdf> Click Here</a>
>>>>>>>>>> EDUCATION IN SACRAMENTO CA AND RENO NV <<<<<<<<<<
The NAIFA national conference is Oct. 8-13 in Reno Nevada. For more info,
go to http://www.naifa.com/conference2001/index.html
AOL Users: <a href=http://www.naifa.com/conference2001/index.html> Click
Here</a>
The Sacramento-Sierra chapter of the Appraisal Institute is having an
"Entitlements, Land Subdivision and Valuation" seminar in Sacramento, CA on
September 28, 2001. For more information, go to
http://www.sacramentosierra.org
or call 916-972-9700.
AOL Users: <a href=http://www.sacramentosierra.org> Click Here</a>
>>>>>>>>>> APPS DOWN 14% <<<<<<<<<<
The market composite index of mortgage loan applications -a measure of loan
purchases and refinances - for the week ending September 14 decreased 11.4
percent to 533.3 on a seasonally adjusted basis from 601.8 the previous
week, according to the
Weekly Mortgage Applications Survey of the Mortgage Bankers Association of
America (MBA), which was released last Wed. On an unadjusted basis, the
application index increased 10.0 percent and was up 60.3 percent compared
to the same week a year earlier.
The MBA seasonally adjusted Purchase Index decreased to 282.4 from 310.5
the previous week; the Refinance Index decreased to 1992.9 from 2295.9.
Other seasonally adjusted index activity included the Conventional Index,
which decreased to 688.4 from 796.0 the previous week, and the Government
Index, which decreased to 274.4 from 277.6 the previous week.
Refinancing activity represented 55.5 percent of total applications,
decreasing from 56.3 percent the previous week. ARM activity remained the
same as the previous week at 11.2 percent.
The average contract interest rate for 30-year fixed rate mortgages was
6.64 percent, decreasing from 6.73 the previous week, with points remaining
the same at 1.29 (including the origination fee) for 80 percent
loan-to-value (LTV) ratio loans.
=======================================
If you don't already subscribe .... To get all the news, not just the
headlines and links, subscribe to my monthly "paper" and PDF Appraisal
Today newsletter for $99 per year ($149 for 2 years), call 800-839-0227 or
fax 800-839-0014 (credit card orders) or send your check (made out to RECR)
to 2015 Clement Ave., Alameda, CA. Order online or print out an order form
at http://www.appraisaltoday.com/orderfrm.htm
AOL Users: <a href=http://www.appraisaltoday.com/orderfrm.htm> Click Here</a>
To order a FREE sample issue or get more information, go to
http://www.appraisaltoday.com/sample.htm
or call 800-839-0227 or fax
800-839-0014 . AOL Users: <a
href=http://www.appraisaltoday.com/sample.htm> Click Here</a>
========================
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