What Are Your Thoughts on the New “Code of Conduct” Rules for Appraisals?

Posted by: Carleton Sheets in Value, Real Estate Market, mortgage broker, Lender, Housing Market, Home Valuation Code of Conduct, fair market value, Economy, borrower, appraiser, appraised value, appraisal on Aug 24, 2009.

There has been much debate in the real estate community about how the Home Valuation Code of Conduct for appraisals that took effect May 1 is affecting the housing market.

The role of appraisers in the subprime mortgage debacle has been closely analyzed ... especially the fact that some appraisers allegedly felt pressured to bump the price of homes upward by providing faulty valuations and to

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The Foreclosure “Shadow Inventory” Theory

Posted by: Carleton Sheets in Value, title, Real Estate Market, Real Estate, Lender, Housing Market, clear title on Jul 28, 2009.

Someone recently asked me my opinion on the so-called "shadow inventory" of foreclosures ... the bank-owned (REOs) foreclosures that aren't on the market yet. If you've read this Wall Street Journal article, you might come to the conclusion that it's a conspiracy by banks to "under-inflate" their inventory of REOs.

Have banks been holding onto the properties because they don't want to

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Commercial Loans Versus Residential Loans

Posted by: Carleton Sheets in Value, Tenant, Residential, Refinance, Real Estate Market, Real Estate Investor, Real Estate, Market Value, commercial real estate, Commercial Lending, Commercial on May 26, 2009.

I'm sure you've been reading more and more about how the commercial real estate market is following in the footsteps of the residential real estate market. And perhaps you've been wondering how these markets are different. Well, let me explain.

First of all, both markets suffer as bad mortgages, the credit crunch, and plummeting values affect homeowners and residential and commercial

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Mark-to-Market Accounting: What's the Big Deal?

Posted by: Carleton Sheets in Value, Securities, Real Estate, Property, mortgage, Market Value, Mark to Market, Comps, Comparables, Comparable value, Asset on Mar 19, 2009.

Have you read or heard about mark-to-market accounting in the news lately? Mark-to-market accounting is an accounting theory of pricing assets based on their fair market value that larger banks use in reporting their shareholder equity. So how does this tie into the real estate market?

When you are analyzing a property to purchase, you need to get a sense of its current value. You do this by

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