Thursday, December 25, 2025

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Why Now?

AG Pro gives you sharp insights, compelling stories, and weekly mind fuel without the fluff. Think of it as your brain’s secret weapon – and our way to keep doing what we do best: cutting the BS and giving you INDEPENDENT real talk that moves the needle.

Limited time offer: $29/yr (regularly $149)
✔ Full access to all stories and 20 years of analysis
✔ Long-form exclusives and sharp strategy guides
✔ Weekly curated breakdowns sent to your inbox

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Overhauling the Current HVCC System Across the Board

NAMB Immediate Past President and full-time HVCC opponent Marc Savitt met with members of New York Attorney General Andrew Cuomo’s staff this week presenting them with thousands of petitions from real estate professionals complaining about the aforementioned whatever it is (it’s not law, btw).

The Cuomoiams did say that the AG is open to renegotiating the current system.  That’s the good news, but the more important thing is to ask how the AG of NY will be able to re-influence all those that need to implement any changes that are agreed upon.

I do believe that Fannie Mae and Freddie Mac can act independently of the NYAG’s office and change HVCC on the fly.

Also, the lenders themselves can eliminate the  layer  of appraisal management and go to a system where they approve the appraiser and a blind system assigns the appraisal based on the location and what location the appraiser is familiar with.

Sound familiar?  Yes, that’s the way VA does it now and the way that FHA used to do it.

Yea, we have/had some issues with those systems, but it is 1000 times better than what we have now, would save money for the client and it would make the appraisal transportable to other companies.

Wow!  It’s 1988 all over again.  Sweet!

Have a good holiday all.  Try not to overload on turkey, football and wine!

fredglick
Realty Reality! That describes Fred, a sharp witted and outspoken realist for the mortgage and real estate world who has appeared on CNBC and NPR's Marketplace along with being quoted in the New York Times, The Wall Street Journal and other media outlets. Fred is the CEO of U S Spaces, Inc/Arrivva (a real estate brokerage firm in PA, NJ, DE and CA) and U S Loans Mortgage Inc (mortgage brokerage in PA, CA, FL and VA), and serves on the Board of Directors and is the Federal Legislative Director for the UpFront Mortgage Brokers. Fred is also the co-creator of real estate startup Rentscoper.com, a mathematically driven rental search engine. See everything Fred at fredglick.com.

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