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keith

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Reply with quote  #1 
Here is one more from the large nationwide appraisal company.

If you use any comp photos that aren't original, you are in violation of the LOE and charges could be filed with the state boards who can prosecute. According to them, Fannie Mae now has software that can analyze the pixels and can determine when the photo was taken.
If they spent this much energy go after mortgage fraud, they wouldn't have to worry about appraisers.
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Meatloaf

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Wait a minute.... The LOE supersedes the state, fnma, and the heavenly father.... But they want to threaten you with violation of the LOE by sending you to the board??????

I would refuse to do business with this company.  In a vast majority of circumstances it is actually not legal to obtain that precious photograph.

FNMA has software that can analyze the pixels?????? FNMA doesn't require original photos.  I call their bluff on that.

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Meatloaf

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Reply with quote  #3 
Who is this company?
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keith

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Not disclosing to protect the guilty. LOL.
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Meatloaf

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Reply with quote  #5 
I don't understand why you would feel that this is important to withhold.  I respect your reasons, but I don't understand.
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keith

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I don't understand your necessity to know. They are one of my clients.
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dunwoodyappraiser

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Reply with quote  #7 
again, this comp photo stuff has gotten WAY OUT OF HAND!! It is utterly ridiculous that if I took a comp photo 2 weeks ago, I can't use that photo. Maybe I can drive back by it but I should be able to use it. It is ridiculous!!!!
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Bobby

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Reply with quote  #8 
Middle finger for them. 
Do you think they will be around when you are standing trial for using a kid as a speed bump because you are operating a vehicle and taking photos at the same time?  Distracted driving is one of the most dangerous thing on the road right now.  Hell, it's even a law.

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Meatloaf

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Reply with quote  #9 
The reason I ask who the client is... is because I too work for a lot of Nationwide clients.  I have found that many clients have different SOW and different user interfaces for different appraisers/regions.  They do this to test the waters so to speak.

For instance... I don't know how it happened but a week or so ago, I go to log into my solidifi account.  It logs me into some other appraiser's account in Oklahoma.  Everything is different.  The ratings are different, everything about the website, the SOW etc.... All different.  SAME CLIENTS, SAME AMC!!!

If we don't compare notes... How will we know?

Don't worry about me or anyone else on here stealing your client.... You can have them.  But if you really want to fight back, expose their BS.  I am sure we can provide you with some ammo to fight this.

For example... FNMA doesn't require original photos.... So FNMA doesn't have a magic machine to analyze any pixels... Its total BS.  Furthermore, Georgia has laws that prevent 99% of all comp photos from being legally obtainable.  

Easiest thing for you to do is fire the client.... Best thing for you to do is call their bluff and educate their dumbasses.  They don't even understand the SOW or what an AMC does.  

So who is it??? Or are you just simply making it all up?



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keith

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Reply with quote  #10 
I am not worried about you stealing a client. I am actually worried about them trolling. As much as they are a pain in the a$$, I need my bills paid including child support.
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Meatloaf

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Reply with quote  #11 
I get it.... You do more than 20% of your business for this particular client.  How did I know????
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treskirkland

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I don't think Fannie Mae has software to know when the photos were taken, but most AMC's and reviewers have access to MLS photos even if it is just through Zillow, so yes they can easily tell if you used a MLS photo.  I quit doing work for them years ago, but I remember ServiceLink sending an email a while back saying something about they were analyzing the comp photos and verifying if they were MLS or not.   Not sure why you want to protect whoever this client is, but I guess the bigger question is why do you want to keep this client.   As busy as it is you can find better clients.
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Meatloaf

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Reply with quote  #13 
Quote:
Originally Posted by treskirkland
I don't think Fannie Mae has software to know when the photos were taken, but most AMC's and reviewers have access to MLS photos even if it is just through Zillow, so yes they can easily tell if you used a MLS photo.  I quit doing work for them years ago, but I remember ServiceLink sending an email a while back saying something about they were analyzing the comp photos and verifying if they were MLS or not.   Not sure why you want to protect whoever this client is, but I guess the bigger question is why do you want to keep this client.   As busy as it is you can find better clients.


Ditto


They have software that can parse the photos from the xml file and search google for the photo.  It seems like they think the most important part of the appraisal is the damn comp photo.

The crappiest reports I have seen had all the original comp photos.  

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