[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fqvqz80y6di68":3,"$ffegs2evbp6jw":41,"$f2emw9x6ij0gm":45,"$fbwk3vtva8yds":49},{"item":4,"previous":29,"next":35},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":12,"bodyImage":9,"isInfographic":13,"categories":14,"isVideo":13,"videoThumbnail":9,"videoSource":9,"publishedAt":27,"updatedAt":28},292,"homeowners-we-need-to-sell-your-house-twice","Propietarios de casa: Tenemos que vender su casa dos veces","\u003Cp>\r\n\u003Cp>Todas las casas en el mercado tienen que ser vendidas dos veces; una al posible comprador y luego al banco (a través del avalúo del banco). En un mercado de la vivienda donde el suministro está bien bajo y la demanda está muy alta, el valor de las casas aumenta rápidamente. Uno de los principales desafíos en tal mercado es el avalúo del banco. Si los precios están saltando, es difícil para los tasadores encontrar comparaciones de venta adecuados (casas similares en el vecindario que cerraron recientemente) para defender el precio del avalúo para el banco.\\\u003C\u002Fp>\r\n\u003Cp>","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F05\u002F01162540\u002FSellTwice.jpg","\u003Cp>\r\n\u003Cp>Todas las casas en el mercado tienen que ser vendidas dos veces; una al posible comprador y luego al banco (a través del avalúo del banco). En un mercado de la vivienda donde el suministro está bien bajo y la demanda está muy alta, el valor de las casas aumenta rápidamente. Uno de los principales desafíos en tal mercado es el avalúo del banco. Si los precios están saltando, es difícil para los tasadores encontrar comparaciones de venta adecuados (casas similares en el vecindario que cerraron recientemente) para defender el precio del avalúo para el banco.\\\u003C\u002Fp>\r\n\u003Cp>\u003C!--more-->\r\n\r\nWith escalating prices, the second sale might be even more difficult than the first. And now, there may be a second issue further complicating the appraisal issue.\r\n\r\n\u003Cem>The Mortgage News Daily\u003C\u002Fem> (MND) recently published an article titled \u003Ca href=\"http:\u002F\u002Fwww.mortgagenewsdaily.com\u002F03202015_appraisals.asp\">Conservative Appraisals Increasingly Mentioned in 2015; Did Something Change?\u003C\u002Fa>\r\n\r\nThe article revealed that there was a “flurry” of comments on their website from members expressing concern about…\r\n\u003Cblockquote>\u003Cem>“…a sudden increase in appraisals reflecting market values well below what had been expected. In some cases the low appraisals had merely required the restructuring of the loan, in others they killed the deal.” \u003C\u002Fem>\u003C\u002Fblockquote>\r\nThe National Association of Realtors \u003Ca href=\"http:\u002F\u002Feconomistsoutlook.blogs.realtor.org\u002F2015\u002F04\u002F03\u002Fhome-inspection-issues-major-reason-for-contract-terminations\u002F\">revealed\u003C\u002Fa> this month that 8% of the contracts that fell through over the last three months were terminated because of appraisal issues.\r\n\r\nMND decided to survey their members and ask why this sudden increase in “short” appraisals could be taking place. Here is one result of that survey:\r\n\u003Cblockquote>\u003Cem>“Almost everyone we spoke to mentioned Fannie Mae's new Collateral Underwriter (CU).”\u003C\u002Fem>\u003C\u002Fblockquote>\r\nCollateral Underwriter provides a risk score on individual appraisals which will lead to a ranking of appraisals by risk profile, allowing lenders to identify appraisals with heightened risk of quality issues, overvaluation, and compliance violations. It went on-line on January 26.\r\n\r\nMarianne Sullivan, senior vice president of single-family business capability with \u003Cem>Fannie Mae\u003C\u002Fem> believes that CU is not a problem for appraisers. She \u003Ca href=\"http:\u002F\u002Fwww.housingwire.com\u002Farticles\u002F32728-fannie-mae-collateral-underwriter-is-not-disruptive-to-appraisals\">claimed\u003C\u002Fa>:\r\n\u003Cblockquote>\u003Cem>“From an appraiser perspective, one of the lender's responsibilities has always been to review the quality of an appraiser, and they have been using various methods to do that forever. I don’t think appraisers will find this tool to be disruptive.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\nHowever, some think that CU has caused appraisers to become too cautious with their appraised values. One mortgage professional in the MND article explained it this way:\r\n\u003Cblockquote>\u003Cem>\"My personal opinion is that appraisers are being overly conservative in choosing comps because of CU. If CU questions the comps, adjustments, etc., the appraiser would have to do a lot of extra work to justify them. I had anticipated that CU would cause delays because of this extra work, but it seems that appraisers are one step ahead and are being ultra conservative, thus avoiding the extra work in the first place. I haven't spoken to an appraiser about it; this is just my interpretation of what I am seeing.\"\u003C\u002Fem>\u003C\u002Fblockquote>\r\nRyan Lundquist, a Certified Residential Appraiser in the Sacramento area, \u003Ca href=\"http:\u002F\u002Fsacramentoappraisalblog.com\u002F2015\u002F01\u002F20\u002Fwhat-you-need-to-know-about-fannie-maes-collateral-underwriter\u002F\">agreed\u003C\u002Fa>:\r\n\u003Cblockquote>\u003Cem>“One of the unintended consequences of CU may be more conservative appraisals.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nWe must realize that, in today’s housing market, every house must be sold twice and the second sale (to the bank’s appraiser) could be the more difficult one.",false,[15,19,23],{"id":16,"name":17,"slug":18},5,"Para los compradores","buyers",{"id":20,"name":21,"slug":22},6,"Para los vendedores","sellers",{"id":24,"name":25,"slug":26},9,"Precios","home-prices","2015-05-05T10:00:18Z","2015-05-09T00:22:38Z",{"id":30,"slug":31,"title":32,"featuredImage":33,"publishedAt":34,"contentType":10,"isVideo":13},291,"4-reasons-to-move-up-this-spring","4 Razones para mudarse a la casa más grande esta primavera","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F05\u002F01162544\u002F4-Reasons-to-Move-STM.jpg","2015-05-04T10:00:37Z",{"id":36,"slug":37,"title":38,"featuredImage":39,"publishedAt":40,"contentType":10,"isVideo":13},293,"easy-chicken-little-homeownership-rates-are-not-crashing","Tranquilo ‘Chicken Little’: la tasa de los propietarios de casa NO está colapsando","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F05\u002F01162544\u002FEasy-Chicken-STM.jpg","2015-05-06T10:00:53Z",{"cover":42,"open":43,"shareSpread":44},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Cover-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Spread-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Magazine-SP-original.png",{"cover":46,"open":47,"shareSpread":48},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Sellers-Guide-Cover-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Sellers-Guide-Spread-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Sellers-Guide-Magazine-SP-original.png",[50,54,55,56,60,64,65,69,73,77,81,85,89,93,97,101,105,109,113,117,121,125,129,133,137,141,145,149,153,156],{"id":51,"name":52,"slug":53},1,"No clasificado","uncategorized",{"id":16,"name":17,"slug":18},{"id":20,"name":21,"slug":22},{"id":57,"name":58,"slug":59},7,"Ejecuciones hipotecarias","foreclosures",{"id":61,"name":62,"slug":63},8,"Infografías","infographics",{"id":24,"name":25,"slug":26},{"id":66,"name":67,"slug":68},11,"Compradores de vivienda por primera vez","first-time-buyers",{"id":70,"name":71,"slug":72},34,"Mercado de la tercera edad","senior-market",{"id":74,"name":75,"slug":76},35,"Tasas de interés","mortgage-rates",{"id":78,"name":79,"slug":80},38,"Compradores de casa mas grande","move-up",{"id":82,"name":83,"slug":84},41,"“FSBO“","for-sale-by-owner",{"id":86,"name":87,"slug":88},42,"Featured","featured",{"id":90,"name":91,"slug":92},45,"Nueva construcción","new-construction",{"id":94,"name":95,"slug":96},52,"Mercado de lujo","luxury--vacation",{"id":98,"name":99,"slug":100},53,"Alquilar Vs. Comprar","rent-vs-buy",{"id":102,"name":103,"slug":104},80,"Time-sensitive","time-sensitive",{"id":106,"name":107,"slug":108},81,"Outdated","outdated",{"id":110,"name":111,"slug":112},147,"Internal","internal",{"id":114,"name":115,"slug":116},148,"Do Not Autopost","do-not-autopost",{"id":118,"name":119,"slug":120},320,"Inventario","inventory",{"id":122,"name":123,"slug":124},321,"Valor del agente","agent-value",{"id":126,"name":127,"slug":128},322,"Asequibilidad","affordability",{"id":130,"name":131,"slug":132},323,"Consejos de compra","buying-tips",{"id":134,"name":135,"slug":136},324,"Reducir el tamaño","downsize",{"id":138,"name":139,"slug":140},325,"Economía","economy",{"id":142,"name":143,"slug":144},326,"Equidad","equity",{"id":146,"name":147,"slug":148},327,"Previsiones","forecasts",{"id":150,"name":151,"slug":152},328,"Consejos de venta","selling-tips",{"id":154,"name":9,"slug":155},339,"expiredwithdrawncanceled",{"id":157,"name":9,"slug":158},340,"price-it-rightoverpricing"]