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you know I give you a lot of shit about being prejudice but this thread shows a good number of white people that are the same. there is absolutely no defense for the difference in the appraisals, almost double is not defendable yet they keep coming up with excuses.You haven't been able to answer that 300K difference question yet.
The appraiser 100% could have taken these people's race into account when he did the valuation and if he did he was wrong. That said Im not sure we have enough evidence to say for sure that's what happened, and if he did it's not the fault of LoanDepot.com.you know I give you a lot of shit about being prejudice but this thread shows a good number of white people that are the same. there is absolutely no defense for the difference in the appraisals, almost double is not defendable yet they keep coming up with excuses.
Vaccinations became a political issue because nobody trusted the people who were mandating them.Or that we don't want your virus carrying kid in our school who won't practice safety...
Vaccinations NEVER should have become a cultural issue, but it did because you guys would rather cut off your right arm than admit that you made a mistake putting Trump in the White House.
you know I give you a lot of shit about being prejudice but this thread shows a good number of white people that are the same. there is absolutely no defense for the difference in the appraisals, almost double is not defendable yet they keep coming up with excuses.
If someone doesnt have high cholesterol, do you think it's wise for them to take a statin anyway? What other medications should people who aren't affected by the illness the medication is for should people be taking? That's what you are advocating for here. Children are NOT at risk with COVID. Anyone under the age of 50 really isnt at any risk. Only 6% of all the people who have died of/with COVID in the US are under 50. .1% were school aged. .7% under 30. So explain to me again why we are injecting kids with this exactly? Over 50 maybe if you arent generally heathly. If you are over 65 I get it. Over 75 you're crazy not to get vax'd. What's the risk? You certainly arent worried about long term effects.Or that we don't want your virus carrying kid in our school who won't practice safety...
Vaccinations NEVER should have become a cultural issue, but it did because you guys would rather cut off your right arm than admit that you made a mistake putting Trump in the White House.
I agree Loan depot is not at fault, but you are arguing even the appraiser was not at fault and that is stupid,The appraiser 100% could have taken these people's race into account when he did the valuation and if he did he was wrong. That said Im not sure we have enough evidence to say for sure that's what happened, and if he did it's not the fault of LoanDepot.com.
LOL ya it was just a minor difference of doubling the value nothing to see here right?The word prejudice means to pre-judge which is what you are doing in this case; the idea that there is no other possible reason for the low appraisal but race. You only heard one side of the story, it was written very biased, it hasn't made it to court yet, but we're the ones that are prejudiced?
I don't recall anybody here saying it absolutely had nothing to do with this couple being black, only that there are other more likely possibilities.
No I said there wasnt enough evidence to say why the appraisal was low. Certainly, when this thread started there wasnt nearly enough information. We didnt even have a timeline. I still think it may be difficult to PROVE there was some racial motivation behind the initial appraisal.I agree Loan depot is not at fault, but you are arguing even the appraiser was not at fault and that is stupid,
That’s a stretch, the second appraiser was with a different firm. Just like everything in life, we have good and bad, we’re humans…You are ignoring the elephant in the room. That when the family removed all pictures of black people and had a white person show them the house, the second appraiser did the job right.
I’ll be the first to agree they are not always the best choice, but they are usually the lowest cost and when someone is buying a home, interest rates & closing cost are major factors. I never recommend them, lender’s are a dime a dozen.That sounds like a good reason to not have high-volume lenders, then. Or for them to get better.
You have no credit cards, zero?Even though I had no credit card
it wasn't just low it was half the second and you claim it was just a low appraisal.No I said there wasnt enough evidence to say why the appraisal was low. Certainly, when this thread started there wasnt nearly enough information. We didnt even have a timeline. I still think it may be difficult to PROVE there was some racial motivation behind the initial appraisal.
You should go back and read what I actually said. Then try posting again.it wasn't just low it was half the second and you claim it was just a low appraisal.
The appraiser 100% could have taken these people's race into account when he did the valuation and if he did he was wrong. That said Im not sure we have enough evidence to say for sure that's what happened, and if he did it's not the fault of LoanDepot.com.
Why did you deceptively edit this sentence, where I said I had no Credit Card Debt? (I have credit cards, but pay them off every month.)You have no credit cards, zero?
I’ll be the first to agree they are not always the best choice, but they are usually the lowest cost and when someone is buying a home, interest rates & closing cost are major factors. I never recommend them, lender’s are a dime a dozen.
That’s a stretch, the second appraiser was with a different firm. Just like everything in life, we have good and bad, we’re humans…
BTW this is the owner of Loandepot.com
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He's Taiwanese I think. Probably not a member of the KKK.
No they didn’t hire him . We’ve been over this. You’re just unwilling to grasp the simple conceptI don't think that there is any other sensible explanation of why Appraiser A lowballed an estimate for a black family by comparing the property to distant properties in poorer neighborhoods OTHER than racism. The fact a second appraiser did it right just underscores it.
Loan Depot is responsible because they hired this guy, and didn't check his work.
No they didn’t hire him . We’ve been over this. You’re just unwilling to grasp the simple concept
Go read up on what an AMC is. Until then I’m done with this convo. You’re not willing to even do a minimal amount of reading in order to talk intelligently about a subject. I even linked it for you.They picked him. They decided his flawed work was okay with them.
They will settle this out of court, because, Frankly, it's a bad look.
