we have to think that the consumer gets what they are paying for. if the winter wants to use service from an appraisal management company to broker these valuations services they are operating an agent for the lender. let the lender pay for that service. don t make the appraiser pay for it and don t make the consumer pay for it. the lender is getting the benefit. makes the lender paid for the benefit. i admit i am getting old. i am building interest from 40 years. i have tremendous respect for appraisers. is specially when i make applications to a bank that usually in-house. they were taking a risk lending me the money. i consider it a fair market appraisal. they praised the house the block away and appraise the house down the road and understood the area. what we did was overturn the apple cart. nobody has figured out even though we directed them how to put it back the way it was. government doesn t change rapidly.