In communicating with appraisers, mortgage loan originators are prohibited from:

Mortgage loan originators must maintain a professional and ethical relationship with appraisers, and any form of coercion or intimidation is strictly prohibited. Threatening an appraiser to secure a specific minimum value undermines the integrity of the appraisal process. It can lead to biased appraisals, which not only affects the fairness of the transaction but also violates regulations and ethical guidelines established to protect consumers and ensure transparent practices in real estate transactions.

Maintaining a clear separation between the roles of loan originators and appraisers helps ensure that appraisals remain impartial and based solely on market conditions and property assessments. This integrity is vital for the overall health of the real estate market and for the protection of borrowers and lenders alike. By avoiding any threats or undue influence, mortgage loan originators can help foster a responsible lending environment that upholds market value assessments.