Entries by Adam Johnston

Disagreeing with the Appraiser: Tips for Staying Compliant While Making Your Case

This article first appeared in the June issue of National Mortgage Professional Magazine.  The home appraisal has been requested…the waiting begins. As a lender, many questions race through your mind; “Will the property condition be acceptable? Will repairs be needed? Will the appraiser give credit for all the upgrades in the home? Is the appraiser […]

How to Maximize Appraisal Underwriting Approvals in Rural Markets

Relax, underwriters, it’s just rural This story first appeared in HousingWire. Recently, the rural housing landscape has sparked discussion about its lending, affordable housing availability, housing shortages and outreach to underserved demographics. A spotlight has been cast on the rural space with questions probing why rural properties often face excessive underwriting conditions for appraisal issues […]

Back to Basics: Why Manufactured Housing Deserves a Fresh Look

Remember when manufactured housing used to equate to mobile homes? Remember when loan officers avoided underwriting loans for manufactured housing for fear of low commissions, foreclosure risks, and the added complexities of underwriting those types of “unreliable” homes? For some, these myths still flood our thoughts when a potential borrower approaches us about a loan […]

Communicating With The Appraiser: Top 10 Guide For Getting Answers About a Home Appraisal And Staying Compliant

The home appraisal has been requested … and the waiting begins. As a lender, many questions race through your mind: “Will the property condition be acceptable? Will repairs be needed? Will the appraiser give credit for all the upgrades in the home? Is the appraiser familiar with the neighborhood? Will the appraiser use good comparables? […]