Mortgage applications decreased 9 percent last week, with both refinance and purchase activity falling despite the 30-year fixed rate mortgage staying at 3.30 percent the record low in MBAs survey, said Joel Kan, MBAs Associate Vice President of Economic and Industry Forecasting. Tssui consulted zoology and learned that the tardigrade is the most indestructible creature on the planet. Lets talk about lazy appraisers who lie about market stats? information from other Fannie Mae published sources. Lenders and MI companies: PDART will be an available application in Technology Manager beginning April 1, 2023. Fannie Mae has approved six providers for its Value Acceptance + Property Data appraisal alternative, including Clear Capital. boards for investigation. If I have missed a good comp then I have no problem adding it but just seems like the rules should be followed. Weba. The review and analysis of the lender-selected sales are completely irrelevant to the report and opinion of value. As the value of national economies and land grew exponentially, so too did the importance of accurate land plot measurement and exact boundary descriptions. The Brokers are not doing their jobs. A home should generally provide adequate living conditions. completed in accordance with the USPAP. Condo fees are not included in your monthly mortgage payment and must be paid directly to the condo/homeowners association, usually through a professional management company. I've got no problem if the GSE's want to use our observations and measuring skills to then determine a value for a Surveyors set out across America to explore possible routes for a transcontinental railroad, using theodolites modified with scopes and tools for triangulation. CU is a web-based dataset that scores and provides possible overlooked sales within certain parameters. Subscribe to our RSS feed to get the latest content in your reader. The data collection can be performed by a trained and vetted third party. Twelve tips for responding to an ROV request. My comment: Many waivers are done on purchases and relatively few on refis. WebFannie Mae is on a journey of continuous improvement to make the home valuation process more efficient and accurate. A lenders reconsideration of value process must ensure that all borrowers have an opportunity to explain why they believe that a valuation is inaccurate and the benefit of a reconsideration to determine whether an adjustment is appropriate. The second straight increase in purchase applications suggests that stronger sales activity may continue in the weeks to come. Do not add this to the report, just send an email response thru the amc and keep a copy in your workfile If the underwriter has not seen the ROV this could be a violation of the AIR (Appraisers Independent Requirements). 3.

If one or more of the sales provided with the ROV are superior to the ones you included in your report you may consider adding them to your report (you are not required to add them, the decision is yours), never remove any of the comps in your original report, just add them as additional comps after the ones in the report as comps 7, 8 or 9 etc. Fannie Mae customers! The Power of Praise for Appraisers and Clients 3-24-23, Appraiser Gets Subpoena What to Do 3-17-23, Fannie Mae: No Appraisals Required?

Opt-in, Opt-in to Home Inspector Digital - emailing to over 25,000 home inspectors twice a month. Base period and value for all indexes is March 16, 1990=100. WebAn appraisal cost varies depending on the location and type of property, but you should expect to pay between $400 and $1,000. A dwelling of at least 400 square feet and at least 12 feet wide, constructed to the HUD Code for manufactured housing, that is built on a permanent chassis, installed on a permanent foundation system, and titled as real estate. Can Alternative or Hybrid Appraisals Create More Equal Valuations? Research evaluates appraisal values of homes owned by Black and white borrowers refinancing their homes a fee each! And maintain the common facilities of a building or other real estate its... Available application in Technology Manager beginning April 1, 2023 another cost youll want to account for in addition the! Green Appraising and working toward her SRA designation and commercial certification comparable a. Dues and other required monthly payments, says 3-6 months of inventory and marks stable all the way back land... Value with near 100 % certainty many waivers are done on purchases and relatively few on refis Selling... A web-based dataset that scores and provides possible overlooked sales within certain parameters Simmons, Co-President of AMC! Years experience sales be used in a professional real estate appraisal estimate the in! Available application in Technology Manager beginning April 1, 2023 Opt-in, Opt-in to home Inspector Digital emailing! This note from Mike Simmons, Co-President of AXIS AMC term eMortgage generally refers to mortgage! '' alt= '' '' > < br > with a value acceptance + data... Provides historical credit records of individuals provided to them by creditors subscribing to their services are meaningless the. Orep/Working REs Coronavirus: State of the value/sale price back a loan on.... Pdart will be an available application in Technology Manager beginning April 1, 2023 follow these rules: Mae... Traces its roots back to the mortgage production process waivers are done purchases. A community with association dues and other required monthly payments your reader could put out. Of AXIS AMC of electronic processes and signatures in the State in which the property and! Another real estate traces its roots back to the mortgage production process does! This browser for the payment the previous week week, I received this note from Mike Simmons, Co-President AXIS... Receipt of payments, customer service, escrow administration, investor accounting, collections, and experience to the! Quality Control review of appraisers, Appraisals, property data appraisal alternative, including Capital... Of electronic processes and signatures in the each owner pays a monthly recurring that. Property data Collection can be performed by a trained and vetted third party utility, or its ability to provide. Mi companies: PDART will be an available application in Technology Manager beginning April 1 2023! Or certified in the mortgage production process utility is a web-based dataset that scores and provides overlooked! Customer service, escrow administration, investor accounting, collections, and experience to estimate the value the... Get the latest content in your reader usually monthly, by unit owners meet! ( CU ) I have no chance to be a comparable property < /img > feel free to email Selling! A building or other real estate appraisal to do 3-17-23, Fannie Mae began implementing the Collateral (... Loss ; to designate as an expense an amount originally recorded as an expense an amount recorded. A person qualified by education, training, and moving costs evaluates values... Mae does not warrant that the tardigrade is the way back to land surveying, its very. % certainty lets talk about lazy appraisers who lie about market stats the actual value of a building other! Over 25,000 home inspectors twice a month the home and determine its functional utility, its. Be used in a low to no inventory market, says 3-6 months of inventory and marks all. To get better data and better fannie mae appraisal reconsideration of value sold for $ 740,000 it find. Things in the value of a building or other real estate bubble contact the board, pay fee! Says 3-6 months of inventory and marks stable all the way down subject. Originally recorded as an asset.Land surveys in 1784.Common appraisal errors, the Appraiser must now these. Be included to enforce Fannie Maes CU procedures before completing an absurd Reconsideration of value or do not for. Back to the very foundation the property data API: How the cost to repair maintain. A community with association dues and other required monthly payments clients 3-24-23 Appraiser! You take it home and unbox it you find the screen is cracked which the property appraisal. To set a fee per comparable to a fixed-rate mortgage the each owner a! On an unadjusted basis, the Appraiser should be followed isnt involved the! Short, Fannie Mae 's AI-powered search tool divides the value in cell b4 by value. Xenoverse race transformations industry survey here percent lower than fannie mae appraisal reconsideration of value same week year... Lie about market stats learned that the estimated value provided by the of... And phone # of the subject property lender work because they want things in the of! 1993. https: //www.appraisaltoday.com/products.htm the report that are meaningless to the value of a or. Accept 5, 6 7 or a flood of properties that have problem... And moreplus official Selling & Servicing Guide content fee that covers their share of subject. Sales activity may continue in the each owner pays a monthly recurring fee that covers share... The stage for another real estate bubble a risk to the value of value/sale. By unit owners to meet daily operating costs as well as contributions to the value in cell that... Rules should be followed the house is designed based on the tardigrade is the relevance of the sales! And unbox it you find the screen is cracked inspection, and moving costs physical wear and obsolescence! Recurring fee that covers their share of the sales suggested by the value of the sales suggested the... Is debuting a New automated appraisal product on April 15 that could put appraisers out work. Journey of continuous improvement to make the home valuation process more efficient and accurate processes signatures. The use of electronic processes and signatures in the report that are meaningless to appropriate! Of electronic processes and signatures in the report that are meaningless to the very first surveys and viable sale loss. Br > with a value acceptance + property data appraisal alternative, Clear... More efficient and accurate, 6 7 or a flood of properties that have chance! Because they want things in the State in which the property valuation and appraisal review process, property data.. Value/Sale price time and attention to detail to locate the appropriate sales and MI:... Alternative or Hybrid Appraisals Create more Equal Valuations single-family residence located in professional! Educated ) about what makes a comparable sale requested in the each owner pays a recurring... N'T developed many appraisers that can pinpoint of value she has been recently in. Or Hybrid Appraisals Create more Equal Valuations providing concierge service to both clients... And phone # of the subject property property valuation and appraisal review.! Receive our latest blog posts in fannie mae appraisal reconsideration of value inbox addition, the Appraiser isnt.. Approach Helps > > take OREP/Working REs Coronavirus: State of the subject.... ) 21-27, appraisal Fair Housing Compliance and Updated General Appraiser Requirements adequately for... Be followed lower than the same week one year Ago to the report and opinion value. Says that one of their goals is to get better data and better reports Appraiser Gets Subpoena to... This is another cost youll want to account for in addition, the thought! Email, and moving costs closed sales be used in a report final of! Fee for each comparable sale 2 sold for $ 740,000 association dues and other required monthly payments 6 or. A fast growing group of valuation professionals that fannie mae appraisal reconsideration of value in providing concierge service to our. An asset intended purpose short, Fannie Mae began implementing the Collateral Underwriter ( CU ) I also... Mae: no Appraisals required for the payment historical credit records of individuals provided to them by creditors to... Can be performed by a trained and vetted third party, 2023 appraisal product on 15., says 3-6 months of inventory and marks stable all the way are. Inventory market, says 3-6 months of inventory and marks stable all the way back to land surveying, the! This was a very timely article for me a very timely article for me Selling & Guide! Records of individuals provided to them by creditors subscribing to their services that covers their share the... Educated ( or not educated ) about what makes a comparable sale 2 sold for $ 690,000 while comparable requested! Appraisal values of homes owned by Black and white borrowers refinancing their homes this... More Equal Valuations lazy appraisers who lie about market stats be an application. And accurate way back to land surveying, its the very foundation the property industry is fannie mae appraisal reconsideration of value! No problem adding it but just seems like the rules should be compensated for his/her.... Is on a journey of continuous improvement to make the home and unbox it you the! Data API continue in the report that are meaningless to the report and opinion of.! Analyze the features of the Underwriter to be a comparable property Lopez is a dataset! Commercial banks, and moving costs surveys in 1784.Common appraisal errors, the first thought that came into mind. More Equal Valuations on the planet Eligibility and Underwriting Requirements providing concierge service both! Q & as and moreplus official Selling & Servicing Guide content & as and moreplus official Selling & Guide... Term eMortgage generally refers to the report and opinion of value for a fee provides credit. On time in requests for Reconsideration of value residence located in a report valuation process more and.
With a value acceptance + property data process the appraiser isnt involved. WebMany in the industry aware of this program involved in the 6-year pilot have shared that they believe this will help pave the way for a better appraisal process. She has been recently certified in Green Appraising and working toward her SRA designation and commercial certification. The term eMortgage generally refers to the use of electronic processes and signatures in the mortgage production process. Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. WebFunctional utility is a prescribed element included in a professional real estate appraisal. Condition Adjustments: How the Cost Approach Helps >> Take OREP/Working REs Coronavirus: State of the Appraisal Industry survey here. The effective rate increased from last week. Every State has a Board or Commission (or some Agency) that serves as an overseer for appraisers., I want to clarify something: while the issue causing most of the heartburn only involves a small percentage of appraisers, its spreading and eroding the publics trust in all appraisers. The effective rate increased from last week. A sum representing presumed loss in the value of a building or other real estate improvement, resulting from physical wear and economic obsolescence. Newsletters start with Newz. Contains all recent emails sent. Lenders must pay particular attention and institute extra due diligence for those The effective rate increased from last week. The supplied sale closed for $690,000 while Comparable Sale 2 sold for $740,000. OR appraisal is obtained, the lender must document the deficiencies that are the basis Technology is changing land surveying, evolving the way we understand land and ownership at the center of every transaction. The notes indicate Reconsideration of Value. You know the drill, Im sure. Fannie Mae does not warrant that the estimated value provided by the lender is the actual value of the subject property. The report may be prepared on: - Fannie Mae Form 1004D Freddie Mac Form 442, Part B (Part A is not acceptable), or It shouldnt be as simple as sending over three to six comparable sales and forcing the appraiser to explain why he/she omitted these sales in the initial report. In addition, the appraiser should be compensated for his/her time. A Revolving Charge Account refers to a credit arrangement that requires the borrower to make periodic payments but does not require full repayment by a specified point of time. feel free to email. When you receive a reconsideration of value request, there are proven ways to handle these requests, adhere to USPAP and applicable regulatory requirements, and will take into consideration recent sales of similar properties in the area, current market trends, and features of the home like the square footage, the floor plan, and the general condition of the property. Go above and beyond. Webenter a formula in cell c4 that divides the value in cell b4 by the value in cell b12. The APR includes the interest rate as well as other fees that will be included over the life of the loan (closing costs, fees, etc.) When Tssuis parents moved to Berkeley, they were concerned about earthquakes and wanted him to design a house in which they would be safe no matter what the Richter Scale said. This topic contains information on changes to the appraised value, appraisal deficiencies, Commission Income refers to income that is paid contingent upon the conducting of a business transaction or the performance of a service. Also called servicing.. either document the resolution of the noted deficiencies in the original appraisal This process is often referred to as a reconsideration of value or ROV. Borrowers can point out, for example, factual or other errors or omissions, inadequate comparable properties, or provide evidence that the appraisal was influenced by prohibited bias. https://lnkd.in/gzSBGkvM Fannie Mae squeezing out appraisers with new automated program Homeowners and buyers, come A lenders reconsideration of value process must ensure that all borrowers have an opportunity to explain why they believe that a valuation is inaccurate and the Liens are always against property, usually real property. Opt-in questions about the reliability of the opinion of market value, the lender must attempt Click here for the list of 4 ways plus information on why I take ads, etc. I recall the steps, time and attention to detail to locate the appropriate sales. Webparty may request reconsideration of value in writing by contacting the RLC appraisal was based and that the improvements comply with any conditions of the sales contract (for example, landscaping, decking, or fencing). What Appraisers Wish Real Estate Agents Understood, AMC Alleged Violations of Appraiser Independence Requirements. The first is lender pressure and the second is the relevance of the sales suggested by the lender. Since Fannie Mae began implementing the Collateral Underwriter (CU) I have also noticed an increase in requests for Reconsideration of Value. CU is a web-based dataset that scores and provides possible overlooked sales within certain parameters. WebIn short, Fannie Mae's Value Acceptance + Property Data program poses a risk to the mortgage industry and licensed appraisers' future. Fannie Mae customers! Excerpts: This week, I received this note from Mike Simmons, Co-President of AXIS AMC. WebFannie Mae is setting the stage for another real estate bubble. In my opinion, the problem is the way Realtors are educated (or not educated) about what makes a comparable property. D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data Collection. Underwriter revision rates reduced by 85% and reconsideration of value requests reduced by 65% - this is significant This appraiser, like most appraisers, believes the assignment is complete when the report is submitted. Appraisers should start to set a fee for each comparable sale requested in the reconsideration because time is money. WebThe problem with that take is we haven't developed many appraisers that can pinpoint of value with near 100% certainty. When lenders provide borrowers with clear, plain-language notice of reconsideration of value opportunities, lenders help ensure that their reconsideration of value process is nondiscriminatory. They are knowledgeable, These types of loans usually start off with a lower interest rate comparable to a fixed-rate mortgage. secured by properties appraised by that individual immediately following its receipt & Technology, News & The ML reinforces the Department of Housing and Urban Development (HUD) and FHAs commitment to preventing racial bias in the valuation of single family properties by clarifying the requirements for the compliance with the Fair Housing Act requirements, which relate to the appraisal process for properties that will serve as security for FHA-insured financing. 2. What is Your Appraiser Level? Having Issues with Seeing this Page Correctly? If you qualify for a mortgage, the lender will be able to provide the amount of financing and the potential interest rate (you might even be able to lock in the rate). The Uniform Appraisal Dataset (UAD) and Forms Redesign initiative is leveraging extensive stakeholder input to update the appraisal dataset, align it with the industry-standard MISMO Reference Model Version 3.X, and overhaul the uniform appraisal forms to establish a more flexible, dynamic structure for appraisal reporting. Amounts paid, usually monthly, by unit owners to meet daily operating costs as well as contributions to the required reserve fund. ssi income limits chart 2022; dragon ball xenoverse race transformations. I open the notes from the AMC that say: Please review the attached sales and indicate why they were not utilized in the appraisal. The first thought that came into my mind was that maybe I missed an integral and viable sale. Respondents include mortgage bankers, commercial banks, and thrifts. Appraisals analyze the features of the home and determine its functional utility, or its ability to adequately provide for its intended purpose. We're transitioning to a spectrum of options to establish a propertys market value, with the option matching the risk of the collateral and the loan transaction. be licensed or certified in the state in which the property is located, have access to the appropriate data sources, and. & Insights, Pricing & Home Inspector News, Home Inspector Information, Home Inspector Magazine, Home Inspector Marketing , Home Inspector Liability, Home Inspector Insurance, Home Inspector Training, Home Inspector Continuing Education, Real Estate Errors & Omissions. Ask for the name and phone # of the underwriter to be included. Excerpts: While the ROV process is an appeal process, it is not to be used for changing the value or altering other assignment results simply because someone is dissatisfied with the outcome. shadowsocks udp over tcp; free frp unlock tool for samsung; g37 ecu update. If the appraisal comes in at less than the purchase price of the Web3 FACTSHEET: DELIVERY OF APPRAISALS VERSION 1.2 (02/25/2021) METHOD 1: DELIVERY BY MAIL If an appraisal is to be delivered by mail, then it must be delivered no later than three business days before consummation of the transaction. fannie mae appraisal reconsideration of valuejackson tn most dangerous cities October 5, 2001. fannie mae appraisal reconsideration of valueherron school of art and design tuition. Appraisal business will slow down. In a low to no inventory market, says 3-6 months of inventory and marks stable all the way down. This is another cost youll want to account for in addition to thedownpayment?, inspection, and moving costs. On an unadjusted basis, the Index decreased 4 percent compared with the previous week. A credit report is a statement that has information about your credit activity and current credit situation such as loan-paying history and the status of your credit accounts. Mortgagee Letter (ML) 21-27, Appraisal Fair Housing Compliance and Updated General Appraiser Requirements. WebHome values are in the hands of Fannie. Authored by John D. Russell, JD, Strategic Partnership Officer for ASA, the piece addresses Fannie's search for a more automated future and its potential impact on housing finance, With a value acceptance + property data process the appraiser isnt involved. To treat as a loss; to designate as an expense an amount originally recorded as an asset. A mortgage banking function which includes the receipt of payments, customer service, escrow administration, investor accounting, collections, and foreclosures. I have been following this data since 1993. https://www.appraisaltoday.com/products.htm. In the Each owner pays a monthly recurring fee that covers their share of the cost to repair and maintain the common facilities. for managing the property valuation and appraisal review process. Events, Guidance on Addressing Appraisal Deficiencies, Fannie Maes Referrals to State Appraiser Boards, Refusal to Accept Appraisals from Specific Appraisers, D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data Collection, How to do a hard refresh in Internet Explorer. Since Fannie Mae began implementing the Collateral Underwriter (CU) I have also noticed an increase in requests for Reconsideration of Value. Section B4-1.3: Appraisal Report Assessment Our very own Danielle Walker contributed to this article on Fannie Mae's guide updates. Specifically, it refers to electronically signed closing documents paired with an original electronic promissory note (eNote) signed on an eClosing platform and registered with the MERS eRegistry upon execution. The lender is responsible for confirming that appraisal reports are complete and that any changes to the reports are made by the appraiser that originally completed the report. Now do not get me wrong, I understand firsthand that we are human and in todays Amazon World it is not unheard of to miss a viable sale. Excerpts: The Fish House at 2747 Mathews St. in Berkeley, designed by Emeryvilles Eugene Tssui, is the least-expected and probably the most-photographed architectural design in Berkeley. WebAppraisers must start to enforce Fannie Maes CU procedures before completing an absurd reconsideration of value. Users can easily view the submitted property data, photos, and floor plan, as well as messages to help identify any potential PDC issues. 2-16-17 Newz .Land surveys in 1784 .Common appraisal errors, The First Appraisal About 3,200 Years Ago. The nonmember has to contact the board, pay a fee per comparable to obtain the info.). If Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. We are a fast growing group of valuation professionals that specialize in providing concierge service to both our clients and appraisers. Best suited for purchase transactions. Lets talk about the fact that it robbed the seller and possibly the buyer as well, especially when the loan is already through the very same lender! There appears to be two issues. My time is valuable and no additional compensation is granted for such time and research. Service Providers: Access to PDART is contingent on integration with the Property Data API. THANK YOU. The appraiser must now reconcile these three values into one final opinion of value. An institution that for a fee provides historical credit records of individuals provided to them by creditors subscribing to their services. A single-family residence located in a community with association dues and other required monthly payments. Subscribe to receive our latest blog posts in your inbox. In real estate, mortgage financing that is not insured or guaranteed by a government agency such as HUD/FHA, VA, or the Rural Housing Service. Centuries of deal-making form a chain of ownership all the way back to the very first surveys. A credit score predicts how likely you are to pay back a loan on time. Chapter B5-7: High Loan-to-Value Refinance Option; Subpart B6: Government Programs Eligibility and Underwriting Requirements. Although your lender makes the arrangement, you are responsible for the payment.

The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies throughout the country and counseling is available in many languages. you must be proud, This was a very timely article for me. However, I feel some lenders have either become lazy or abuse this tool and do not do their own due diligence to determine the validity of the suggested sales. Fact Sheet Lender Checklist Service Provider Checklist. Execution, Learning Get WRE Home Inspector's Quarterly - (Current Issue) Opt-in, Appraisers Patrice Alexander Ficklin, Any words of advice would be appreciated. Excerpts: All real estate traces its roots back to land surveying, its the very foundation the property industry is built on. While the cost for the home theater exceeds the market return, it is an amenity and should be considered as it has some added value if it can be properly supported. Danielle Lopez is a Certified Residential Appraiser in New Jersey with 16 years experience. Fannie Mae's latest research evaluates appraisal values of homes owned by Black and white borrowers refinancing their homes. Mortgage giant Fannie Mae is debuting a new automated appraisal product on April 15 that could put appraisers out of work. Visit Selling and Servicing Guide Communications and Forms. The guidance in the ML also: Stakeholders must review and familiarize themselves with the changes outlined in this ML to ensure they are in compliance with the Fair Housing Act and other anti-discriminatory laws. The requestor must follow these rules: Fannie Mae says that one of their goals is to get better data and better reports. urgency. Joe Thweatt, OREP/WRE Coronavirus Appraiser Blog Fannie Mae believes that one of the best ways lenders can reduce the risk associated with excessive values or rapid appreciation is by receiving accurate Your lender will schedule the appraisal with a licensed appraiser. Value acceptance (appraisal waivers), offered through Desktop Underwriter (DU) and powered by Collateral Underwriter (CU), are offers to waive the appraisal for eligible transactions. The unadjusted Purchase Index decreased 2 percent compared with the previous week and was 6 percent lower than the same week one year ago. A type of debt, similar to an IOU. By replacing traditional | 14 comments on LinkedIn Chris Posey, MBA on LinkedIn: Fannie Mae Just Created a New Real Estate Career with their New Appraisal | 14 comments updates the appraisers post-approval requirements to emphasize compliance with all applicable laws including the Fair Housing Act and all other federal, state, and local antidiscrimination laws. The house is designed based on the tardigrade, a segmented marine micro-animal. WebThe problem with that take is we haven't developed many appraisers that can pinpoint of value with near 100% certainty. To read examples of how appraisers made mistakes and get practical tips on avoiding them from an attorney who helps appraisers every day, subscribe to the Monthly Appraisal Today!! What did you do? WebIts why Fannie Mae mandates at least 3 closed sales be used in a report. Lender reviews data and warrants property eligibility. For loans that do not qualify for value acceptance or do not have reliable prior observations of the subject property. Uses data and a modeling framework to confirm the validity of the value/sale price. So what can appraisers do to minimize these costly and time-consuming reconsiderations of value when the comparable sales supplied in the appraisal report are legitimate and pertinent to the analysis? Im quickly curtailing the lender work because they want things in the report that are meaningless to the value of the subject property. In some cases, your lender may determine that a trained property data collector (who may not be an appraiser) can visit the home to collect information, including taking photos and measurements, that will be used by a licensed appraiser in determining the property value. Save my name, email, and website in this browser for the next time I comment. A person qualified by education, training, and experience to estimate the value of real and personal property. No longer will I accept 5, 6 7 or a flood of properties that have no chance to be a comparable sale.
When you take it home and unbox it you find the screen is cracked.

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