Table of Contents 
 Appraisal Today newsletters - Year 2003

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Index from June, 1996 to the 2002
Current issues - table of contents

DEC. 2005

·        More Fannie Forms issues – Cost Approach, fees,  etc. – Page 1

·        Appraisal forgeries in KS, GA, and NY – Page 4

·        205 Year-end tax planning for appraisers – Page 5

·        Internal cash controls keep your employees honest – Page 6

·        Marketing with holiday gifts – Page 8

·        Practical demographics for residential appraisers – Page 10

·        FHA to require new forms as of 1/01/06 – Page 12

·        I love my Google Desktop and Google Earth!! – Page 12

NOV, 2005

·        New Fannie Forms issues – scope, liability, fees – Page 1

·        Finding a niche in REO appraising – Page 6

·        The client is NOT always right! – Page 10

·        20% of Colorado appraisers let licenses lapse – Page 12

OCT, 2005

·        Fannie’s new forms effective November 1, 2005 – Page 1

·        New Fannie May/Freddie Mac Forms – Page 5

·        Entrepreneur, technician and manager – the three conflicting roles of fee appraisers – Page 6

·        Think before you upgrade your computer – Page 9

·        USPAP effective date extended to at least June 30, 2006 – Page 10

·        New trainee/recently licensed appraiser seminar – Page 10

·        Occupancy fraud tops list of most common type of mortgage fraud – Page 10

·        NCRC launches Center for Responsible Appraisals & Valuations (CRAV) – Page 11

Sept, 2005

·        How to diversify your lender clients – Page 1

·        How much money do appraisers make? – Page 4

·        New national appraisal franchise – can it compete with AMCs? – Page 6

·        Pitfalls to avoid when using the new URAR – Page 8

·        What is a “good” appraiser? - Page 10

·        Fannie’s inspection requirements – Page 11

·        How to get ready for the new forms - Page 12

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Aug, 2005

·        License to Steal – Page 1

·        Appraisal essays – credibility, tolerance, Fannie – Page 4

·        How to have business come to you – increase your referrals – Page 6

·        Fannie Mae URAR 2005 – getting ready for the changeover – Page 8

·        Little Lenny the Liar’s Lexicon – Page 10

·        New Fannie Appraiser website – Page 11

·        Mortgage brokers originate 68% of loans – Page 11

·        USPAP the 3^rd draft – Page 11  

·        Zaio and desktop appraisals – Page 11

·        Top originators Quarter 1. 2005 – Page 12

·        Top subprime originators – Page 12

July, 2005

·        Don’t work for free – collect all your billings – Page 1

·        Residential appraisal – where are we going? – Page 5

·        Freakonomics for appraisers – Page 6

·        Computer tips – big files, monitor readability, find stuff – Page 8

·        Commercial appraisal fraud – Page 10

·        Health insurance – Page 11

·        Not getting my e-mail newsletters? – Page 11

·        Desktop appraisals using helicopter aerial photos – Page 11

·        Appraisers in the news May and June – Page 11

·        Who does the most commercial lending – Page 12

June, 2005

·        E & O Insurance 2005 Update – Be careful out there – Page 1

·        What does the Appraisal Subcommittee do with your money? – Page 5

·        New appraiser survey – demographics, trainees, AVMs, etc. – Page 7

·        Appraising a natural disaster – Page 9

·        Illinois appraiser loses license for 10 years – Page 11

·        New FHA appraisal form coming? – Page 12

·        ASB issues USPAP Second Draft – Page 12

May, 2005

·        Why I am I an appraiser – Page 1

·        FHA and Title Search in Louisiana (humor) – Page 3

·        Appraisal Today 2005 Conference – Page 3

·        Online courses can save time and money – Page 4

·        Questions and Answers on the Scope of Work Project – Page 6

·        Home Insecurity and appraiser pressure – Page 7

·        Some lenders listen to recent regulator letter – Page 8

·        Wayne Pugh elected Vice President of the Appraisal Institute – Page 10

·        Appraisal Institute working on new URAR – Page 10

·        Predatory lending bill introduced – Page 10

·        Key appraisal provisions – Page 10

·        Montana considering requiring a demo – Page 11

·        MBA predicts modest origination declines – Page 11

·        Will licensed appraisers be “second class” after January 1, 2008 – Page 11

·        Helping trainees – Page 11

·        FHA training – Page 12

·        Upcoming appraisal conferences – Page 12

·        Washington appraiser goes to jail – Page 12

April, 2005

·        Appraisal for trusts and estate – an excellent diversification opportunity – Page 1

·        How to reduce PDF file sizes – Page 6

·        Survey – How many appraisers to change a light bulb – Page 7

·        IRS issues new independent contractor tests – Page 9

·        Subprime market share almost 25%  - Page 10

·        Ameriquest – questionable lending practices? – Page 10

·        Mozillo of Countywide worried about subprime – Page 10

·        IRS fraud investigations – Page 10

·        New Fannie forms – Page 10

·        46% of FBI cases are flips – Page 11

·        Relocation appraisal education – Page 11

·        Teeny houses – Page 11

·        $27 million condo fraud – appraiser pleads guilty in IL – Page 11

·        74 fraudulent appraisals in  Indiana – Page 12

·         

March, 2005

·        How to get more business using Yellow Page ads – Page 1

·        Looking Ahead – Page 5

·        Vacation time for appraisers – Page 6

·        Bad boys/bad girls Page 8

·        New USPAP Draft Dumps Departure - Page 9

·        How many trainees are there? – Page 10

·        Appraisal Institute finally has pre-license courses – Page 10

·        FHA mortgage share declines – Page 10

·        How the Internet has affected us – Page 10

·        Commercial lending up – Page 11

·        MBA forecast optimistic – Page 11

·        Appraisal Today 2005 Conference agenda – Page 12

·        Discounted prices through 6/30/05 – Page 12

February, 2005

·        Appraisal directories – worth the cost? – Page 1

·        Mortgage fraud and appraisers – Page 4

·        Vacant land: A nightmare for an appraiser – Page 6

·        What about lender pressure? – Page 8

·        Paperless Ponderings – Page 9

·        Appraiser quits – Page 11

·        Are your PDF files secret? – Page 11

·        NAIFA outsourcing management – Page 11

·        HUD sends reminder letter about sales concessions – Page 11

·        Commercial real estate lending data – Page 12

January, 2005

·        The O’Rourke 2005 Appraisal Forecast – Good is Bad – Page 1

·        2^nd draft pf Scope of Work issued – Page 3

·        Bogus sales contracts – how they are created and how appraisers can protect themselves – Page 4

·        New narrative report software – Appraiser’s Paradise – Page 6

·        You might be an appraiser if… - Page 9

·        Just Say No – take control of your business and your life – Page10

·        “Renewal” notice sent with last newsletter – Page 12

·        Lender fined $5000 for pressuring appraiser – Page 12

December, 2004

·        Fannie revise proposed URAR and 10 other forms – Page 1

·        2004 year-end tax planning tips for appraisers – Page 6

·        USPAP changes effective 01-01-05 – Page 7

·        Appraisal lawsuits – an appraiser’s story – Page 8

·        Curable query – What should I charge for updates, recerts, etc.? – Page 10

·        Newsletter 2 year subscription increasing – Page 11

·        New HUD REO contractors – Page 11

·        Commercial loans up – Page 11

·        MBA forecasts declines in loans – Page 11

·        GAO report questions FHA appraisal oversight – Page 11

·         

November, 2004

·        A Few Things Real, and Not So Real – Page 1

·        Advice on Pencil Searches, Comp Checks, etc. – Page 3

·        Old clients – an excellent source of new business – Page 4

·        Marketing with holiday gifts – Page 6

·        New revised Fannie Mae URAR test form – Page 10

·        Largest subprime lenders – Page 10

·        Where the most loans are made – Page 10

·        Who’s buying loans – Page 10

·        Fraudulent appraisers – Page 11

·        Appraisal Company Links on Appraisal Today Web Site – Page 12

·        Future of residential appraising page on Appraisal Today Web site – Page 12

·        Newbie page on Appraisal Today Web site – Page 12

·        Not getting my e-mail newsletters?

October, 2004

·        The Fraud of Appraisal Regulation – Page 1

·        A serious learning gap for new appraisers – Page 6

·        Why the Appraisal Institute is changing SRA requirements – Page 10

·        Is there a future for the SRA designation? – Page 11

·        Mortgage fraud epidemic – Page 12

·        AQB’s implementation guide for 2008 changes – Page 12

·        Subprime doubles – Page 12

September, 2004

·        How to get more business using client-centered marketing – Page 1

·        Are your CDs and DVDs Rotting? – Page 4

·        Computers – what to buy and how to keep it running – Page 6

·        More new Fannie Forms – Page 8

·        Are appraisal associations dinosaurs?  - Page 10

·        Aerial maps – Page 11

·        Deadbeats – Page 11

·        New Mobile Appraisers group – Page 11

·        Free FEMA  maps – Page 11

·        Appraisal Today 2004 International Conference news – Page 11

·        Health insurance – Page 12

·        AQB news – Page 12

August, 2004

·        Bad girls/Bad boys – Appraisers in the News – Page 1

·        Selling the Invisible – a good marketing book – Page 5

·        Scope of Work – First Exposure Draft – Page 6

·        “Firing a client” – Page 10

·        Client Rating Grid – Page 11

·        Final Rule issued on FHA Lender Accountability for Appraisers – Page 12

·        New Fannie Forms – Page 12

July, 2004

·        Fannie’s new test URAR/1004 for released – Page 1

·        Measuring Up  Part 111 – Tools, Devices and Software – Page 6

·        Get more work by diversifying your lender claims – Page 8

·        Finally – a “real world” statistics book for appraisers – Page 10

·        Where to file a complaint – Page 11

·        Broker doesn’t pay appraiser and loses license – Page 11

·        Mortgage brokers’ prez wants to clean up industry? – Page 11

·        West Virginia’s new appraiser pressure law – Page 11

·        Senate hearing on Poconos mortgage scam – Page 12

June, 2004

·        E & O Insurance 2004 Update – Be careful – Page 1

·        E & O Insurance Companies – Page 5

·        Photos:  The Good, the Bad and the Ugly – Page 6

·        Appraisal Today 2004 Conference “Insider” Notes – Page 8

·        Pennsylvania appraisers lose mandatory licensing fight – Page 10

·        Marshall & Smith to transfer ownership to MacDonald Dettwiler – Page 10

·        NAR has over 1 million members – Page 10

·        MBA forecast is $2.4 trillion for 2004, down 37% from 2003 – Page 10

·        2^nd USPAP 2005 exposure draft issued – Page 11

·        Fitch says AVMs may overvalue in declining markets – Page 11

·        AVM Nation – Page 11

·        Costar expanding – Page 12

May, 2004

·        Start your own appraisal group – Page 1

·        In Memoriam-Zeke Mailman, Editor of Appraisal Today – Page 5

·        Measuring Up  -  Part 11  The measurement of the single family house – a holistic approach – Page 6

·        A little knowledge – is a dangerous thing – Page 9

·        Appraisers see problems with FIRREA – Page 10

·        The Appraisers Research Foundation wants to give you money – Page 12

April, 2004

·        Get more business by networking at meetings – Page 1

·        New appraiser qualifications adopted by AQB – Page 4

·        Karen Mann – from appraisal secretary to  church appraiser expert – Page 6

·        Measuring up Part 1 – Commercial Office Buildings and Single Family Measurement Standards – Page 8

·        Appraiser E&O scam – the Noble Group – Page 10

·        FHWA proposed appraisal changes – Page 10

·        What lenders think about appraiser independence – Page 10

·        Regulating non-bank lenders and predatory lending – Page 11

March, 2004

·        57 ways to cut costs and increase cash flow – Page 1

·        Cracking your computer – Page 4

·        Digital camera news – Page 5

·        The appraiser training “system” is broken – Page 9

·        Appraisers to be tested again by FHA? – Page 10

·        AQB  “complaint” – Page 10

·        How many appraisers work for AMCs? – Page 10

·        Schwarzenegger replies to appraiser’s e-mail – Page 10

·        Reviewing appraisals in India? – Page 11

·        USPAP 2005 first exposure draft issued – Page 11

·        Phishing – bougus email scams – Page 11

·        Revised ANSI Sq. Ft. – Page 11

·        Fannie Mae Appraisal Guidelines available – Page 11

·        SRA to MAI path – Page 12

·        Appraiser busted in South Dakota – Page 12

February, 2004

·        Appraiser time waster and what to do about them – Page 1

·        Fannie concerned about inflated appraisals – Page 3

·        Should you work for an AMC? – Page 4

·        Federal regulators want to hear from appraisers – Page 7

·        Utilities and Fixes – Page 8

·        Disposable digital cameras?-Not now – Page 9

·        Sample receipt for borrower paid appraisal – Page 10

·        New Maryland law requires reporting lists of appraisals completed in Balitmore – Page 11

·        Land listings at LoopNetLand.com – Page 11

·        HUD’s Credit Watch initiative and appraisals – Page 11

·        Business is up – time to do some marketing – Page 11

·        New Jersey appraisers business down due to new law – Page 11

·        Appraisal organizations object ot proposed RESPA changes – Page 11

·        Fake lender e-mail scam – Page 12

·        Fannie Mae Guidelines available – Page 12

·        Latest MBA forecast – Page 12

January, 2004

·        Fannie’s new appraisal forms – Page 1

·        New narrative appraisal software – ValueTech – Page 3

·        The O’Rourke 2004 Appraisal Forecast-Good is Bad – Page 4

·        What’s ahead for appraisers and computers – Page 6

·        Appraiser’s time wasters and what to do about them-Part 1 – Page 8

·        Appraiser named as Federal Reserve Bank director – Page 11

·        Survey on appraiser pressure and lenders – Page 11

·        Appraiser says reports were altered and fights back – Page 11

·        No. Carolina appraiser loses license – Page 11

·        Appraiser found guilty in Indiana scam – Page 12

·        Cost vs. value – Page 12

December, 2003

·        2003 Year-end tax planning for appraisers – Page 1

·        Readdressing an appraisal is a new assignment – Page 3

·        Increasing narrative appraisal report production – Part 2 – Page 4

·        Computer tips for appraisers – Part 2 – Page 6

·        How to make your computer work and keep working – Page 7

·        Using trainees – The save way – Page 8

·        Do appraiser directories work – Page 9

·        USPAP – what’s new for 2004 – Page 10

·        Rural-suburban-urban – Page 10

·        The changing paradigm in commercial real estate – Page 10

·        Spam nightmare – Page 10

·        How to keep up with FHA changes – Page 10

·        ASA starts Hong Kong chapter – Page 10

·        New FHA VA required form 11/16/03 – Page 10

·        HUD/FHA implements “Appraiser Watch” – Page 10

·        VA news – Page 11

·        FDIC letter on appraisal independence – Page 12 

November, 2003

·        10 tips on avoiding deadbeat clients – Page 1

·        VA to expand fee panel – Page 4

·        How to handle the current slowdown – Page 5

·        Using the Internet to manage your appraisals – Page 6

·        Computer tips for appraisers-Part 1 – Page 8

·        Scope – the 2^nd draft – Page 10

·        New FHA VC form required 11/16/03 – Page 10

·        How to keep up with FHA changes – Page 11

·        Spam nightmare – Page 11

·        Weicher speaks on appraisal oversight, lender accountability, and flipping – Page 12

October, 2003

·        Appraisers are in the assurance business – Page 1

·        Collateral scoring-the future of lender valuations – Page 5

·        Marketing to real estate agents and brokers – Page 6

·        How to get business from the Internet-Part 1 – Page 8

·        Appraisal Today e-news changes – Page 10

·        2004 ASB Summary of Actions – Page 10

·        New online manufactured home seminar – Page 10

·        AQB issues 5^th Exposure Draft on revising the Real Property Appraiser Qualification    Criteria – Page 10

·        ASA and FAIFA dancing? – Page 10

·        New Director of Research and Technical Issues at the  Appraisal Foundation – Page 11

·        Survey says commercial lending increasing – Page 11

·        Banks loosening underwriting on commercial RE loans – Page 12

·        Appraiser sued for non-completion of construction – Page 12

September, 2003

·        Use Google to improve your Internet searching – Page 1

·        “Double Jeopardy” Appraisals the second time around – Page 5

·        What commercial appraisers should know about commercial mortgage fraud – Page 6

·        Where to get information on updates and re-certifications – Page 9

·        Curable queries – Page 10

·        New FHA VC sheet effective now – Page 11

·        Health information on the Internet – Page 11

·        Appraisal Institute lists associate members in online directory – Page 11

·        Capitol Commerce Mortgage shuts down – Page 11

·        MBA and Fannie downsize predictions – Page 12

·        Real Estate Valuation magazine now online – Page 12

·        AQB to issue 5^th exposure draft – Page 12

·        Why and how to keep close track of mortgage origination stats – Page 12

August, 2003

·        How to prepare for the coming appraisal crash – Page 1

·        Increasing narrative appraisal report productivity – Part 1 – Page 5

·        What is a “good” appraiser? – Page 8

·        Mortgage broker business up 500% since 1998 – Page 10

·        Housing bubble? – Page 10

·        New Jersey appraiser gets fines and license suspension – Page 10

·        Appraiser indicted in Indiana mortgage scam – Page 10

·        AVM news – Page 11

·        AMC news – Page 11

·        California, Atlanta and Chicago tops in mortgage fraud – Page 11

·        Which states have the most FHA appraisers – Page 11

·        Advisory opinions approved – Page 12

·        IRS and “qualified appraisers” – Page 12

July, 2003

·        Entrepreneur, technician, and manager  –                                                                                -    the three conflicting roles of fee appraisers  - Page 1

·        Where to get E&O insurance – July 2003 – Page 4

·        Proposals and engagement letters:  Preparing for marriage with your client - Page 7

·        Sample of engagement letter – Page 8

·        Increasing appraisal productivity by using Scope of Work – Page 10

·        Number of mortgage brokers up 500% since 1988 – Page 11

·        Valuation Summit – appraisers and AVMs – Page 11

·        MBA predicts $3.34 billion in originations in 2003 – Page 11

·        Fannie preicts $3.7 trillion in originations in 2003 – Page 11

·        MBA and Fannie predict sharp declines in 2004 – Page 12

·        New Fannie form for manufactured homes – Page 12

June, 2003

·        New GAO report on appraiser regulatory structure – Page 1

·        What is That and Now What Do I Do? Regarding Factory Built/Assembled, Mobile, Modular and Manufactured Homes – Page 4

·        Increase your productivity with two new narrative report software programs – Page 7

·        Proposed USPAP changes – Page 10

·        Forsythe Appraisals attracts private investor Page 10

·        Hud issues final rule on FHA appraiser requirements – Page 10

·        Disability – your greatest risk – Page 10

May, 2003

·        How to hire the trainee you want – Page 1

·        Should you do REO appraising? Part II – Page 6

·        REO Inspection Checklist – Page 9

·        Appraiser indicted in Georgia mortgage scam – Page 10

·        Kansas assessor wants to sell AVM – Page 10

·        VA bill proposes to let borrower select appraiser – Page 10

·        AMCO and American Guild of Appraisers alliance – Page 11

·        Curable query - Should you take credit card payments? – Page 12

April 2003

·        Pricing appraisals for maximum profit – Page 1

·        Should you do REO appraising – Part 1? – Page 5

·        Licensing Board Administrative Notice: Your immediate attention is required! – Page 8

·        Valuation 2005? – Page 9

·        ACI sold – Page 9

·        Fannie Mae, HUD, and other lender guidelines online – Page 10

·        Free Flood Maps from FEMA – Page 10

·        Large mortgage lenders pessimistic – Page 10

·        Chief appraisers discuss commercial appraisal issues Page 10

·        Loan officer steals appraisal fees – Page 11

·        Three year sales history – Page 11

·        QB issues 4^th draft – Page 11

·        Former Memphis appraiser in jail – Page 12

March 2003

·        Good and bad (or stupid) appraisers in NY, KY, and OH – Page 1

·        Don't work for free - collect all your billings! – Page 3

·        How to use Scope of Work in your appraisal business – Page 5

·        Appraisals and mold - what you need to know – Page 8

·        PDS (ACI) to be sold – Page 10

·        No more PUD approvals for FHA – Page 10

·        AI, ASA, ASMRA issue memorandum of understanding – Page 10

·        ASB issues Draft changes to 2003 USPAP – Page 10

·        ASB considers changes in Departure – Page 10

·        Commercial origination up – Page 11

·        Group medical plans for appraisers – Page 12

December, 2003

• ·        2003 Year-end tax planning for appraisers – Page 1

• ·        Readdressing an appraisal is a new assignment – Page 3

• ·        Increasing narrative appraisal report production – Part 2 – Page 4

• ·        Computer tips for appraisers – Part 2 – Page 6

• ·        How to make your computer work and keep working – Page 7

• ·        Using trainees – The save way – Page 8

• ·        Do appraiser directories work – Page 9

• ·        USPAP – what’s new for 2004 – Page 10

• ·        Rural-suburban-urban – Page 10

• ·        The changing paradigm in commercial real estate – Page 10

• ·        Spam nightmare – Page 10

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