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Public Trust Betrayed: The Truth Behind the Real Estate Appraisal Industry

Penned By James E. Manning
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Public Trust Betrayed: The Truth Behind the Real Estate Appraisal Industry

Penned By James E. Manning
4.85 45,194 Ratings
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Editor's Note:
At the heart of every real estate loan transaction is the property appraisal. These appraisals are used to base underwriting decisions made by the largest banks, government sponsored entities such as Fannie Mae, Freddie Mac, FHA, and both insurance and mortgage companies. What the general public and most politicians don’t realize is that the entire appraisal industry is under siege and the appraisal is one of the only components of the loan process that is not self-serving and commission based and, in theory, keeps the players honest.The independent appraiser is being driven out of the business by the same forces that borrowed billions from the taxpayer in the form of a bailout, speculated in an over-leveraged derivatives market, and swallowed each other up after years of mismanagement. They now control the flow of appraisal business in this country and that means they not only control the cost of the valuation but they control the quality and integrity of the report as well by their use of AMC‘s (Appraisal Management Companies) that they either own or have an interest in.Why should anybody care? Because the housing recovery is dependent on transparency that we have not seen in a decade or longer. Pension funds and municipalities purchase mortgage-back securities that should be based on objective valuations prepared by professionals and not entry level appraisers that will work for little more than minimum wage or be influenced by the promise of more business or threatened by no more further business. Public Trust Betrayed: The Truth Behind the Real Estate Appraisal Industry emphasizes that there MUST be transparency and objectivity in the mortgage and evaluation process if we are to solve the current credit crisis and what we must change in the financial industry to prevent another economic meltdown. As a result of fraud, conflicts of interest, over-valuations, and lax underwriting standards, the entire lending industry must be examined and changed if any meaningful housing recovery is to be accomplished. This book gives the reader rare insights into the pressures being placed on today’s real estate appraiser in a easy-to-read format, a folksy delivery, and with real life experiences sprinkled throughout.

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Length 200 Pages
Language En-US
Imprint Tate Publishing
Released February 8, 2011
Identifier (ISBN) 9808475
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James E. Manning
The Mind Behind the Work
James E. Manning

James E. Manning is a writer and avid reader based in the Pacific Northwest. Before pursuing writing full-time, they spent over a decade working in education. When not working on their next book, James E. Manning can usually be found hiking with their dog or trying out new coffee shops in their neighborhood.

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Gary Phillips
Gary Phillips January 20, 2025
"A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
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"Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend."
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Sharon Walker
Sharon Walker March 30, 2025
"Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
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"I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall."
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"Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
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"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem."
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend."
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"Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
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"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading."
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"Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem."
Eric Adams
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"Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
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"Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author."
Joseph Edwards
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"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers."
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"I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading."
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Emily Davis August 07, 2024
"An acceptable diversion. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Unlikely to reread, but a reasonable expenditure of time."
Emily Cruz
Emily Cruz February 16, 2024
"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
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Linda Allen November 06, 2024
"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author."
Emily Cruz
Emily Cruz October 10, 2025
"Took a moment to build, but the payoff was spectacular. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel."
Edward Sanchez
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"A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me."
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"Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
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