Red Flags in Residential Appraisal Compliance

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Lenders often try to save borrowers’ time and money. Although these efforts are well intended, compliance with regulations and guidance statements must be the overriding concern. In addition, financial regulators are reviewing real estate appraisal practices. They expect management to have developed an appraisal and evaluation policy that provides guidelines for obtaining appropriate valuation documents, including ordering and reviewing the document, ongoing monitoring of local market values, and obtaining updated or new valuation documents as required by guidance statements and regulations. This webinar will address common appraisal violations cited during on-site examinations of community financial institutions.


  • Common appraisal violations cited during on-site examinations
  • When the intended user is not the borrower
  • Red flags when ordering appraisals and evaluations
  • Ordering valuation documents – loan officers’ role
  • Understanding appraisal exemptions
  • Generating a sufficient engagement letter
  • Proper use of AVM and tax cards
  • Red flags when reviewing appraisals and evaluations
  • Reliance on a simple checklist is frowned upon in agency exams
  • Regulators look for the reasoning behind the reviewer’s conclusion (acceptance or rejection)
  • Caution about accepting a “restricted” appraisal report  
  • Adequacy of validation documentation
  • In-house evaluations may not meet minimum guidelines
  • Handling value disagreements – how to dispute appraisals in a compliant way
  • Use of appraisals on the same property with a different client
  • Additional collateral (second property pledged)
  • Appraisal or evaluation on renewals?


  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key

This information-packed program will benefit all residential real estate lending personnel, including marketing and business development staff, lending officers, lending support staff, loan administration staff, auditors, and loan reviewers.

ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc.
A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank. As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant. He assists financial institutions under regulatory enforcement agreements, develops and implements written lending policies, and develops educational material for in-house lending training. Wayne is a popular seminar speaker with both national and international experience.

Originally recorded on June 7, 2018.

Recorded webinar link is available until December 31, 2018.

Free Digital Copy included with purchase to download and view beyond link expiration date.

Price includes sales tax.