Appraisal News and Business Tips

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July, 2025

  • Appraising Hoarder Homes: Key Considerations, by Jamie Owen
  • Probability, Market Value, and the Appraiser’s Dilemma, by Tim Andersen, MAI
  • From UAD 2.6 to UAD 3.6. What appraisal software vendors are doing

June, 2025

  • What is new in the New URAR
  • “Problems and Solutions” in the appraisal profession and appraisal process, by John Pratt
  • Is it Time to Leave Appraising? by Tim Andersen, MAI
  • ROV is a blatant violation of the AIR, Appraisers Independence Requirement by John Pratt

ADDITIONAL DOCUMENTS FOR What is New in the New URAR article

May, 2025

  • Review of Appraiser’s Guide to the New URAR Class
  • Train the Trainer Class for GSEs New URAR and UAD 3.6, by Dave Towne
  • Residential appraisal forms from the 1960s to today
  • Appraisal Forms Software in September, 1993

April, 2025

  • New URAR What It Means for Appraisers Part 1
  • New GSE Requirements for Market Condition Adjustments, By George Dell, MAI
  • Do Appraisers Form Value Opinions or Do Appraisers Estimate Value. By Tim Andersen, MAI

March, 2025

NOTE TO SUBSCRIBERS: Both newsletters say March 2024 instead of March 2025!! Forgot to change my template, of course. 

  • An appraiser gets audited by the IRS. Don’t make my mistakes! by Ann O’Rourke
  • Can you use the assessor’s assessment values for site valuation, by Tim Andersen, MAI
  • Make use of your driving time by exercising

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DATES: 6/92 to 4-25

Issue indexan easy way to find the articles and topics you want!

List of articles by month


Past issues  2021 – 2025

May, 2025

  • Review of Appraiser’s Guide to the New URAR Class
  • Train the Trainer Class for GSEs New URAR and UAD 3.6, by Dave Towne
  • Residential appraisal forms from the 1960s to today
  • Appraisal Forms Software in September, 1993

February, 2025

  • Conceptualizing Market Condition Trends By David A. Braun, MAI, SRA
  • The Contract Price as Market Value Really? Who Could Possibly Want That? By Tim Andersen, MAI
  • Mortgage Interest Rates from 1900 to 2024 and Forecast for 2025

January, 2025

  • New Year’s resolutions. Set goals for 2025 and plan how you will accomplish them
  • What are your best current and former AMC/lender clients? Now is the time to plan for the 2025 increase in appraisals.
  • Client Rating Grid
  • How to communicate with appraisers online

1-2025 client rating grid – separate word processing rtf file – save file on your computer – compatible with word processing software such as Word 

December, 2024

  • 2024 Year end tax planning for appraisers. You can still save on your 2024 taxes!
  • The Elasticity of Demand and Market Data Adjustments, By Steve Smith, MAI
  • Marketing with holiday gifts and cards. – An Easy and Excellent Marketing
  • Appraisal: Profession, Industry or Trade? By Martin Wager, ASA, IFA, MNAA

November, 2024

  • A brief AMC history from 1967 to now – from 5% to over 80% of the appraisal market
  • Lets talk about subpoenas, By Claudia Gaglione, Esq.
  • Using the subject as a comp – When and Why, By Timothy Andersen, MAI
  • MBA loan application volume 1/19 to 10/24

October, 2024

  • What is a Good Appraiser?
  • USPAP and Functional Obsolescence, By Tim Andersen, MAI
  • Manifesting Support for Adjustments, By Steven R. Smith, MAI, SRA
  • Internal Cash Controls Keep Employees Honest
  • Zillow’s Unreliable Square Footage, By Jamie Owen

September, 2024

  • How to use less gasoline and save money today!
  • Disability – Your Greatest Risk
  • Using the Fannie and Freddie Mac Definition of Market Value as a Sales Verification Method, By Tim Andersen, MAI
  • News Flash: Clients, GSE’s and Federal Agencies Assume Appraisers Verify Their Market Data and Have Support for Their Adjustments, By Steven R. Smith, MSREA,
    MAI, SRA

August, 2024

  • How much insurance do you need?
  • If people can’t contact you, they can’t give you an appraisal order or referral
  • When there’s no other manufactured homes in the neighborhood, by Ryan Lundquist
  • Highest and Best Use – Why Can’t I Just Assume it Away, by Tim Andersen, MAI

July, 2024

  • The Generative Shift: A Thorough Examination of AI in Appraisal byJim Amorin, CAE, MAI, SRA, AI-GRS, CDEI Book Review by Craig Gilbert, ASA, SRA, CRP
  • Residential to Commercial Transitions: The Three Legs to Success, by Denis Desaix, MAI, SRA
  • USPAP, AI and Uncertainty by Tim Andersen, MAI

June, 2024

  • Threatened with a Lawsuit? By Claudia Gaglione, Esq.
  • Do I really have to report that state board issue to my E&O insurance? By Peter Christensen, Esq.
  • 2024 E&O Insurance Update: Claims, Payment Options, Lawsuits, etc.
  • 2024 E&O Insurance – Where to get E&O Insurance, What to For in a Policy, etc.
  • 2024 List of E&O Insurance Brokers

May, 2024

  • USPAP and Relevant Adjustments by Tim Andersen, MAI
  • Entrepreneur, technician, and manager – the three conflicting roles of fee appraisers
  • Review – Residential Property Appraisal by Mark Ratterman, SRA, MAI- Read This Book!
  • Appraisal Reports Are Like Flipbooks by Jamie Owen

April, 2024

  • How to stay positive with slow business
  • Most appraisers focus on completing appraisals, not the business side of their practices
  • Paycheck vs. profit thinking
  • Risk Management for Real Estate Appraisers and Appraisal Firms By Peter Christens, Esq. and Claudia Gaglione, Esq. – Buy this Book!

March, 2024

  • How to manage your email and keep your inbox from filling up!
  • Extraordinary Assumptions – When, Why, How by Timothy C. Andersen, MAI and Craig Morley
  • Answers and Solutions for Tough Appraiser Questions & Client Demands. A reference Guide to Associated Laws, Rules, and Regulation. By Richard Hagar, SRA, Book Review

February, 2024

  • Planning for 2024 – Set up a Budget to Manage Your Income and Expenses
  • Appraising from the Middle Ages to Now, By Michael Yovino-Young, MAI, SRA, ASA
  • Appraising over 3,000 years ago. By Sanders K. Solots, MAI
  • Why I am an appraiser
  • Does my state reviewer have to be licensed by the state?, By Tim Andersen, MAI

January, 2024

  • How to cut business expenses
  • How to reduce personal expenses
  • Retirement: To Stay, To Go, or Can’t Decide?
  • New Year’s Resolutions

December, 2023

  • 2023 Year end tax planning for appraisers. You can still save on your 2023 taxes!
  • Communicating Why You Used a Comp On the Sales Grid, by J. Nathan Pippin SRA and Tim Andersen, MAI
  • Valuation of Apartment Properties, Third Edition (Review)
  • Marketing with Holiday Gifts an Easy and Most Excellent Marketing Tool!

November, 2023

  • Hybrid Desktop Appraisals – Maybe, No, Yes?
  • Property Data Collectors (PDCs) Will Be Widely Used by Lenders in the GSEs Value Acceptance + Property Data Option
  • Don’t Make The Same Mistake Twice By Claudia Gaglione

    NOTE ON LINKS IN 3 COLUMN NEWSLETTER – SOME ARE NOT WORKING. COPY AND PASTE THE LINK. OR GOOGLE THE NAME OF THE DOCUMENT. Adobe Acrobat had difficulty sometimes when a  link was on more than one line. 

October, 2023

  • Private money lending – no AMCs, UAD, computer “reviews”, low fees, etc.
  • Valuation By Comparison by Mark Ratterman, MAI Book Review
  • Residential vs. commercial appraisals – fees, reports, reviews, competition, how to get started, etc. Much better than AMC lender residential appraisals!

September, 2023

  • Appraisers vs. Lenders. What Can We Do? By Tim Andersen, MAI
  • How to communicate with appraisers online. What’s the best for you?

August, 2023

  • E&O Insurance Update 2023 – Claims, Disclaimers, Discrimination, etc
  • 2023 E&O Insurance – Where to get, what to look for in a policy, etc.
  • 2023 E&O Insurance Brokers
  • Risks of Expert Work by Claudia Gaglione, Esq.
  • Editor’s note: If you want to copy disclaimers from articles, the no column (Word) version is easier to cut and paste.

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Issue indexan easy way to find the articles and topics you want!

List of articles by month


Past issues  2020 – 2023

October, 2023

  • Private money lending – no AMCs, UAD, computer “reviews”, low fees, etc.
  • Valuation By Comparison by Mark Ratterman, MAI Book Review
  • Residential vs. commercial appraisals – fees, reports, reviews, competition, how to get started, etc. Much better than AMC lender residential appraisals!

September, 2023

  • Appraisers vs. Lenders. What Can We Do? By Tim Andersen, MAI
  • How to communicate with appraisers online. What’s the best for you?

August, 2023

  • E&O Insurance Update 2023 – Claims, Disclaimers, Discrimination, etc
  • 2023 E&O Insurance – Where to get, what to look for in a policy, etc.
  • 2023 E&O Insurance Brokers
  • Risks of Expert Work by Claudia Gaglione, Esq.
  • Editor’s note: If you want to copy disclaimers from articles, the no column (Word) version is easier to cut and paste.

===============================================================

Issue indexan easy way to find the articles and topics you want!

List of articles by month

July, 2023

  • Fannie Mae 1004 and USPAP – Neighborhood by Tim Andersen, MAI
  • Appraising in a changing market by Joe Lynch and Supplemental Addendum

June, 2023

  • How to get referrals from real estate agents
  • Your Website/Blog – The Easiest and Fastest Way to Get Non-lender work!
  • Appraising the Tough Ones Creative Ways To Value Complex Residential Properties  Book Review

May 2023

  • Assessment Appeals – Marketing, Reassessment Opportunities, Fees, Critical dates, etc
  • The Valuation of Condominiums, Cooperatives, and PUDs – Book Review
  • Limiting Conditions and Assumptions. Appraiser Humor. By Deane Wilson, ASA

April 2023

  • Home Measurement Services – How to Use Your Appraisal Skills to Make More Money
  • How to get started in commercial appraising: 5+ unit apartments
  • Making adjustments in today’s market by Doug Smith, SRA

March 2023

  • Many ways to cut costs and increase profits and cash flow
  • How to use less gasoline and save money with today’s high gas prices!
  • How to get no-lender business by networking at meetings
  • Staying positive with low fees, AMC hassles and slow business
  • Expert witness for residential appraisers – High Fees, Little competition
  • Bail Bond appraisals – all cash, very high fees, little competition

January 2023

  • Get started in attorney work by doing divorce appraisals – significantly higher fees, no UAD, no underwriters, no AMCs
  • Speaking at real estate sales meetings is an easy way to market your appraisal business
  • Book Review – Identifying Residential Architectural Styles by Marc Nadeau

December 2022

  • 2022 year-end tax planning for appraisers. It’s not too late to save on your 2022 taxes!
  • Book Review: Residential Market Analysis and Highest and Best Use by Mark Ratterman, MAI, SRA Reviewer: Joe Lynch
  • Appraisers’ Heavy Loads USPAP, GSEs, Public Trust, Protect the Client by Tim Andersen, MAI
  • Marketing with Holiday Gifts and Cards – An Easy, Excellent Marketing Tool!

November 2022

  • Communicating with non-lender clients: Very, very different from lenders!!
  • Tips for dealing with complex residential appraisals by Joseph Lynch NOTE: The photos of examples in this article can be difficult to read in the 3 column format above. To see better quality photos, use the word processing style newsletter above starting on page 20. 

October 2022

  • Appraisals for estates and trusts – the most popular non-lender appraisals, Part 2
  • AEI’s Housing Market Indicators Report, by Wayne Pugh, MAI, FRICS, CCIM
  • Purchase and Sales Agreements, by Tim Andersen, MAI
  • Which are your best current and former AMC/lender clients? What do they want?
  • Client Rating Grid

September 2022

      • How to get a FREE Google Business Profile. Excellent way to get more appraisal business!
      • Fact vs. Fiction Don’t let these four appraiser liability myths, by Peter Christensen
      • Appraisals for estates and trusts – the most popular non-lender appraisals
      • Estate/trust liability advice from Peter Christensen
      • How land contributes to value, by Jamie Owen

August 2022

  • Comparison of lender and non-lender appraisals
  • What is a functionally obsolete appraiser, by Richard Hagar, SRA
  • Markets are changing. What does USPAP say about trends, by Tim Andersen, MAI

July 2022

  • E&O Insurance Update 2022 – Claims, State Boards, Discrimination, etc.\
  • First Notice of Claim: Some Do’s and Dont’s, by Claudia Gaglione, Esq.
  • 2022 E&O Insurance – Where to Get Insurance, What to look for in a policy, etc.
  • 2022 E&O Insurance Brokers
  • Risk Management for Real Estate Appraisers and Appraisal Firms – Book Review

June 2022

  • Appraisal Today newsletter 30th Anniversary. Changes over the past 30 years. What a wild ride it has been!
  • Residential appraisal forms from the 1960s to today
  • Revisiting the Green Hornet, by George Opelka
  • Computers, Mobile Devices and Digital Cameras
  • From EDI to UAD – appraisal data standards and data transmission
  • Mortgage lending from the 1870s to today
  • How the Internet changed appraising
  • Present and past appraisal forecasts

May 2022

  • Desktops – Yes, No or Maybe?
  • CubiCasa – Accuracy, Cost, Ease of Use, ANSI, etc.
  • Mortgage Loan Volume Index Graph 2016 to 4-2022
  • ANSI and USPAP – Confidentiality, by Tim Andersen, MAI

April 2022

  • How to handle a “low” appraisal By Tim Andersen, MAI
  • Engagement Letters by Claudia Gaglione, Esq.
  • Is is jUSt USPAP? by Barry Bates
  • Pocket App for saving information by Wayne Pugh, MAI
  • Do tandem bedrooms and garages impact value? by Jamie Owen

March 2022

  • Who Said I Agreed To Be An Expert? By Claudia Gaglione, Esq.
  • Review: Measuring Square Footage with ANSI 2021: Home Measurement Textbook
  • ANSI and Appraisers, real estate agents, and MLS – what it means by Hamp Thomas
  • What do you want/need to know about ANSI? Many appraisers say they know ANSI but do not when questioned.
  • Review of all available ANSI classes and webinars except in-person. Select what works best for you.
  • How do we value a house with a HUGE non-permitted addition By Ryan Lundquist

February 2022

  • Sloped ceilings, stairs, and below grade issues
  • Why did Fannie select ANSI Z765? Which appraisers are using ANSI now?
  • Fannie vs. ANSI, similar with some differences
  • Who developed ANSI Z765-2021 and Who approved the 2021 changes?
  • ANSI Resources
  • Does my neighborhood really need to be analyzed? Part II By Tim Andersen, MAI

January 2022

  • Construction Progress Reports
  • Does My Neighborhood Really Need to be Analyzed? Part 1 By Tim Andersen, MAI
  • New Year’s resolutions. Set goals for 2022 and plan how you will accomplish them
  • When the best comps are four years old by Ryan Lundquist
  • Buy this book! 36 answers you need now! To help you master neighborhood analysis by Tim Andersen, MAI

December 2021

  • 2021 year-end tax planning for appraisers It’s not too late to save on your 2021 taxes!
  • Marketing with holiday gifts and cards – An easy and Most Excellent Marketing Tool
  • Think carefully before signing a Records Affidavit by Claudia Gaglione, Esq.
  • An Appraiser Gets Audited by the IRS! My Story by Ann O’Rourke

November 2021

  • Why Do Claims Get Settled? By Claudia Gaglione, Esq.
  • How to reduce your appraisal stress. Don’t let other people “push your buttons”
  • I think something is missing, but I’m not sure,. How to explain the omission of the Cost Approach, for example By Tim Andersen, MAI
  • How to handle angry borrowers and agents: Ask, Listen, Repeat, Relate by Dustin Harris
  • Limiting Conditions and Assumptions (Humor) By Deane Wilson, ASA

If you lose this link:

October 2021

  • Threatened with a Lawsuit? By Claudia Gaglione, Esq.
  • The Angry Property Owner – What to Do? By Ryan Reynolds
  • Internal Consistency – What Reviewers and State Regulators Look For By Tim Andersen, MAI
  • When is It Not Ok to Use a Sale Withing a Mile? By Jamie Owen.

September 2021

  • Vacant Land: A Nightmare for an Appraiser By Claudia Gaglione, Esq.
  • Is it okay to compare two detached units with two attached units? By Ryan Lundquist
  • Don’t use only automated valuation (weighted average) from your appraisal forms software without additional reconciliationanalysis by Doug Smith, SRA
  • I’m Just Going to Check the Box – Highest and Best Use

August 2021

  • Using Trainees – the Safe Way, By Claudia Gaglione, Esq.
  • Part II The goal is conformity, believability, and the resulting mediocrity, By George Dell, MAI, SRA, CRE
  • The Misnomer of Market Value, By David Braun, MAI, SRA
  • Krisp – Noise Cancelling for Internet Conferencing By Wayne Pugh, MAI,FRICS, CCIM
  • Vacation Time for Appraisers By Doug Smith, SRA, AI-RRS

July 2021

  • Limiting Liability to Third Parties By Claudia Gaglione, Esq.
  • Rising Markets: When my subject is the New High Sale, Part 2 of 2, Denis Desaix, MAI, SRA
  • 2021 E&O Insurance Where to get E&O insurance, most frequent claims, etc
  • 2021 E&O Insurance Brokers

June 2021

  • Don’t Assume You Did it “Right” the First Time By Claudia Gaglione, Esq.
  • The AMC/Lender Will Whistle a Jaunty Tune as it Throws You Under the Bus by Tim Andersen, MAI
  • Seeing the forest through the trees by Rachel Massey, SRA, AI-RRS
  • Rising markets when my subject is the new high sale by Denis Desaix, MAI, SRA Part 1 of 2

May 2021

  • How to communicate your reconciliation by Rachel Massey, SRA, AI-RRS
  • Practical Guide to USPAP Appeasement. Only the first 24 pages matter by George Dell, MAI
  • How appraisers use abductive reasoning to provide a value opinion by Tim Andersen, MAI
  • Rules are made to be followed by Claudia Gaglione, Esq.
  • Malwarebytes mobile security for the iPhone By Wayne Pugh, MAI

April 2021

  • Retirement: To Stay or Not to Stay. That is the question!!
  • Highest and Best Use of the Cost Approach, by Scott Cullen
  • Review: Residential Property Appraisal by Mark Ratterman, SRA, MAI. Buy This Book!!
  • Appraiser Independence Rules (AIR), AMCs, and the Appraiser, by Julie Freiss, SRA, AI-RRS

March 2021

  • Managing Multiple Appraisal Deadlines, By Doug Smith, SRA, AI-RRS
  • If people can’t find you, they can’t order an appraisal or give you a referral
  • Review of The “Appraisal Bible” – The Appraisal of Real Estate, 15th Edition
  • Sales and financing concessions. What Fannie and USPAP say, Tim Andersen, MAI
  • 20 Questions from Tim Andersen
  • How affordable, really by Rachel Massey, SRA

February 2021

  • Appraisal Risk Management – Fannie’s LL-2021-01 Risk scores, appraisal defects, appraiser independence, etc.
  • Make use of your driving time by exercising
  • Procrastination costs you time, money and more stress, which we don’t need now!
  • FHFA wants input on waivers, hybrids, new form and UAD changes, etc. by 2-26-21
  • Appraisal waivers up 137% for all loan types in 2020
  • Braintoss captures your thoughts, By Wayne Pugh, MAI
  • Egad! UAD and Forms Reforms by George Dell, MAI, SRA, ASA, CRE

January 2021

    • Top 10 Appraiser Time Wasters And What to do About Them By Doug Smith, SRA
    • The Power of Surveys By Rachel Massey, SRA, AI-RRS
    • The Anti-Statistics Guy by George Dell, MAI, SR