Profile picture for dotman614

I am filing a claim for false certification on an appraiser. I would like a comparable price evalua

tion to add to my complaint. Can this be done just by using mls and other online data bases, as apparantly that is what the appraiser used. Any realter willing to help?
  • April 23 2012 - Apple Valley
  • 0
    0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Be a Good Neighbor. Be respectful and on-topic. No spam or self-promotion! See our Good Neighbor Policy.

Answers (15)

Profile picture for Blue Nile
Typically carelessness.  They might start filling out the form one day, and not finish the report until a week later, and never go back to edit the date.

It also could be their system clock is set wrong due to a clock battery that needs to be replaced.  I have that problem fairly regularly.  My computer clock is also often found "slow" due to heavy CPU computations that don't allow the clock to increment properly.
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for dotman614

Thanks again for responses and yes I am filing a formal complaint.  Does  anyone know if there is any reason the date of the appraisal report could be dated 2 days before the inspection?

  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for Blue Nile
Lazy - I agree

Careless - I agree

Reason to file a complaint - I agree

Likelihood of loosing the license or temporary suspension, or fines or penalties?  -  Pretty small.  They will just claim it was a "careless" error from editing a previous form, and it was just "marked wrong", and not representative of the majority of their work.

Licensing standards only determine a "minimum threshold" and are no measurement for quality of work.

If a lender hired the appraiser, you need to make sure you report the concern to them, as lenders don't like to do business with people that do low quality work, and don't want to risk not having loans funded due to carelessness on the approximate value affecting the loan to value ratio.

  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for sunnyview
" However signing a document that you went inside the property is just plain lazy not to mention false."

You are right. I hope that you file the licensing complaint. When you pay for an appraisal, you pay for a specific professional service. This appraisal definition under CA law defined by the USPAP is might help you. When I bought a while back with WaMu I was charged for a full appraisal, but the appraiser did only an "evaluation" that included no comps at all.

There have been a lot of changes that came along with HVCC that were meant to "protect" consumers from bad appraisal work. They were supposed to improve oversight and integrity, but they have created other problems.
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for dotman614
Pasadena, sure an exterior inspection will work.  However, the appraiser cannot certify that he "performed a complete visual inspection of the interior and exterior areas of subject property"  on the uniform residential appraisel report. Now the errors in the report such as it was vacant when inspected or has a 2 car garage when in fact has three might be considered mistakes.  However signing a document that you went inside the property is just plain lazy not to mention false.
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for Dunes ..
I hope you understand everyone responding are sharing Opinions/Providing Feedback and are not Experts dispensing the Final word or most likely any more intelligent than you are

I do think Ray is asking some good questions & probably (without a doubt imo) has more experience dealing with Appraiser issues than the rest of us
As would any Mortgage Broker/Lender imo


We don't know the whole story or what you've done

(Filed a complaint..are in the process of or considering it or trying to figure out if you can or or or)
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for sunnyview
You can ask an agent, but if it is licensing issue it is not really their area to help you make your complaint. I am not sure how an agent can help you prove that the appraiser did not visit the property.

A complaint based on the comps chosen or the appraisal amount will not go far based on your belief that the work was bad/shoddy. You may be right, but you are not likely to win that argument with the licensing board.

However, if you can prove the appraiser never visited the property in person, then you need to submit all documentation to licensing, file a complaint with their company in writing and complain to your lender about the appraiser that was used.
  • April 23 2012
  • 1Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for Blue Nile
The market is not "depressed", it is "booming" with hundreds of thousands of houses still selling at "inflated" prices.  Imaginary "bubble" prices people were paying due to "irrational exuberance" during the peak bubble years and lead up to the bubble peak have absolutely nothing to do with "real value" nor normal rate of housing turn over.

Yes, you could contract for services from numerous AVM companies if "fee" really means nothing to you.  But they are typically "annual subscriptions", not "per use" fees, and the majority of AVM's in the U.S. are not even available on a subscription basis, as they are "private".

Here are some you can contact if you are interested in paying several hundred dollars for a "subscription":

1) Fiserv, Inc. ("Fiserv")
2) IntelliReal, LLC ("IntelliReal")
3) Interthinx, Inc. ("Interthinx")
4) Lender Processing Services, Inc. ("LPS")
5) Precision Appraisal Services, Inc. ("Precision Appraisal")
6) Real Data, Inc. ("RDI")
7) RealEC Technologies, Inc. ("RealEC")
8) American Flood Research, Inc. ("AFR")
9) Electronic Appraiser, Inc.  ("Electronic Appraiser")
10) Espiel, Inc. ("Espiel")
11) First American Core Logic. (the owner of an 18 year old patent that expires this year that sued the others listed for alleged patent infringement).

And if "fee" really is "no issue", then just hire 10 licensed appraisers to each do their own.  Make sure you screen them first!  Of course the qualify of two different companies, and two different appraisers is going to be different.  You can't legislate nor regulate that.
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for dotman614
I really don't care about the fee. I am able to add money to the refinance to avoid pmi. My complaint is shoddy (lazy) work, and lying. This, I believe is a major reason the market is still depressed. I want him to lose his license! I will check with a local agent to see if they will expend their effort for a matter of principle.  Thanks for the responses.
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for Blue Nile
To get some numbers from some "free" AVM's, you might try these sites:

Realestate.com/homepricecheck

homes.com

Homesand.net

Eppraisal

realquest.com express

cyberhomes.com

trulia

chase

homegain

(and of course, Zillow.com).

Of course, non of those are "comparable" to an appraisal from a Licensed Appraiser, and will indicate nothing regarding the due diligence of any given appraisal.

And there are thousands of AVM's that are "not free", so even trying to show it is exactly the same as some machine generated automated valuation model... will not indicate whether there was a site visit or not.

Depending on the purpose, appraisers often don't need to go inside a property for their appraisal.  But looking at every room in a property is going to get a more accurate idea of the actual condition of the property and what it might be worth.  For some purposes, a "drive by" is more than sufficient.
  • April 23 2012
  • 1Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for Dunes ..
Yes...
It's called a CMA and if you check here you'll see they stress (over and over again) they will do one for FREE..How much should I pay for a CMA

Zillow does what they call the Zestimate that they say it is based on Zillions of Data points and a secret Formula..In the Forum: Stan Humphries Chief Economist Zillow --Posts about Zestimates

But People and Companies say a lot of things

If you think a CMA will help you then ask a Local Agent/Agents to do one for Free and see what happens

  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for CA Direct Lending
Even if he used only online data, how does that prove he didn't personally inspect the property?  Can't you just tell the licensing board he didn't personally inspect the property and then have them ask the appraiser to prove he did?  If not, why don't you take the appraiser to small claims court to get a refund of the fee claiming that you paid for a report that is false?  If he doesn't want to give up his fee, he'll have to prove he drove to your home, took pictures of it and actually visited your neighborhood.  If he can't prove that, you get your fee back and also have something more to submit back to the state licensing board.  
  • April 23 2012
  • 2Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for dotman614
A false certification is when an appraisal signs the appraisal report certifying he personally inspected the property.  It is not a legal matter. It is a california state licensing problem.  The state is asking me for all info I can ggather to prove he did not inspect the property and used only online data. Wouldn't a realter do some thing like this if I wanted to list and sell my home?
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

This is not the proper venue for your request.  This is a type of legal matter.  If you need the advice of a Realtor, then the Realtor becomes a consultant.  The consultant needs to be paid.  I suggest that you speak to several Realtors in your location. 
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.

Profile picture for CA Direct Lending
Where is the property located?  What is a "false certification"?  If you believe the value on the report is not what it should be, I don't think you can call it "false".  Please tell us a little more about your problem or complaint.  I've have more than a few clients take matters into their own hands for substandard, poor, inaccurate and sloppy appraisals.  I'm sure other have to.
  • April 23 2012
  • 0Yes

  • Report a Problem

    Please enter a valid email address.

    Content flagged

    We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

    We're sorry. This service is temporarily unavailable. Please come back later and try again.