What? YOU never listen at all. I happen to be at least one expert on this topic. And you don't understand. There is at least one more expert appraiser, and he agrees with me totally. He was never also a Mortgage lender, but I was for years.It. Does. Not. Matter.
See what I mean? You don’t listen.
For my loan firm, I never submitted appraisals though I was also an appraiser.