Horrible. I think this is a scam. I should've known better and looked them up. I gave them all my banking info and personal info. when I applied. They said they would get back to me in 24 hrs. It's been almost 7 days now. There is no human being who answers their 800 number it just says to email them. I've sent numerous emails with no response. I put fraud alerts on my credit reports in fear they are going to do something with my personal info.
Conforming appraisal standards adhere to standards set forth by the Uniform Standards of Professional Appraisal Practice (USPAP). Conforming appraisal requirements are also strictly regulated by the Home Value Code of Conduct (HVCC), which prohibits lenders or realtors from selecting or influencing appraisers in any way. Under HVCC rules, the appraiser is selected at random. Once selected, they perform a full appraisal of the subject property to determine its condition and its value.
The appraised value of a home is determined by using a combination of the assessment of the property itself and also by the recent value of comparable properties (comps) in the same area.
Conventional mortgage loan requirements call for at least three comps to the subject property. For the property to qualify, the appraised value must return greater than or equal to the minimum loan-to-value requirements for the desired conforming loan program.
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