News Release Date: 1/10/2012
Veros Confirms UCDP Operational Readiness for Appraisal Firewall
January 10, 2012, Spokane, Wash. – Mortgage technology provider SharperLending LLC is pleased to announce that its Appraisal Firewall product has been confirmed by Veros Real Estate Solutions (Veros) as operationally ready for successful submission to the Uniform Collateral Data Portal® (UCDP®). The Appraisal Firewall interface to the UCDP was released to production on November 10, 2011, well in advance of the December 1st deadline for lenders. The confirmation of the successful connection, through Veros’ integrated solution, reinforces the reliability of the UCDP connection for lenders and value-added Resellers.
http://corp.sharperlending.com/news/veros-confirms-ucdp-operational-readiness-for-appraisal-firewall/
News Release Date: 1/3/2012
MDS/AF is now pleased to announce the Production release of its direct UCDP connection! Since November 10th, 2011, you can submit completed appraisal reports directly to UCDP via the AF platform for absolutely no additional cost!
You could spend precious time and resources learning a new system and implementing new processes - OR - you could have all your UCDP requirements met right within the familiar walls of Appraisal Firewall.
Once you have registered with UCDP and enabled UCDP submission on your AF account, you and your users can automatically submit your appraisal files directly to UCDP. We even offer the ability to convert PDF files to XML and will perform a 300 point UAD XML validation to make the submission process as easy and pain-free as possible!
Submitting directly to UCDP through Appraisal Firewall has multiple benefits. By using the new direct UCDP submission feature, you and your users can:
· Save time by submitting appraisals to UCDP right within the AF platform.
· Catch issues before UCDP submission with our UAD check – verifies over 300 appraisal data points, including “UCDP Hard Stops” which will cause submissions to fail.
· Elect to have all completed reports be submitted directly to UCDP automatically.
· Ensure files are always delivered in the correct format – Appraisal Firewall will automatically convert PDF files to XML when submitting to UCDP.
· Automatically have AF render a PDF version of every appraisal delivered in XML format so that you have a human-readable version of the appraisal.
News Release Date: 8/22/2011
HUD/FHA announced today that they will adopt the Uniform Appraisal Dataset (UAD) and two of the UAD Compliant appraisal reporting forms, which further define specific data fields in these industry standard appraisal reporting forms. Please see:
FHA Mortgage Letter 2011-30
News Release Date: 8/15/2011
Mortgage Technology Magazine Recognizes SharperLending LLC as a Top 50 Service Provider for Lenders. Appraisal Technology Advancements Help SharperLending win Prestigious Award.
News Release Date: 8/5/2011
Today Mortgage Documents Solutions Announced that Coming Soon we will be offering to all our Appraisal Firewall Platform Users the cababilities of uploading their appraisals directly into UCDP with an automated tool directly from the Appraisal Firewall Platform. Please read the announcement:
Click here:
News Release Date: 6/27/2011
Today Fannie Mae Announced on their website:
"The Uniform Collateral Data PortalSM (UCDPSM)is now available for you to submit appraisal data files to Fannie Mae and Freddie Mac. You are encouraged to register and start uploading your files into the UCDP in advance of the required adoption dates. Registered users can access the UCDP on eFannieMae.com.
With the launch of the UCDP, we are introducing the UCDP User Guide -- which is available once you log in to the application -- and two new online tutorials on eFannieMae.com to help train your staff responsible for uploading appraisal data files to the UCDP."
https://www.efanniemae.com/sf/technology/commitloandel/ucdp/
News Release Date: 4/19/2011
SharperLending LLC Automates Commercial Property Appraisals by Enhancing Appraisal Firewall Platform
Appraisal Firewall Streamlines Commercial Appraisal Ordering and Delivery for Lenders
April 19th, 2011, Spokane, Wash. – Mortgage technology provider SharperLending LLC is working to enhance its Appraisal Firewall product to establish an automated portal for ordering commercial property appraisals. Lenders will be able to order and receive completed commercial appraisals in a more automated and efficient manner than they do today. Appraisal Firewall is a secure, cost-effective technology solution for lenders to order appraisals and work with their trusted local appraisers to increase the speed of Production and Underwriting while complying with all appraisal regulations.
"The process for ordering and receiving commercial property appraisals is manual and cumbersome for lenders," says David Chiappe, COO of SharperLending LLC, the company behind the Appraisal Firewall technology. "Many complex elements are involved, and we’ve coordinated a series of Appraisal Firewall focus groups with nationwide panels of community banks, credit unions, and mortgage banks to research and identify similar elements of the process that work for everyone. Our research is culminating in a simple-to-use commercial appraisal ordering and delivery solution that will greatly streamline what lenders do today."
Appraisal Firewall allows lenders to create panels of their trusted local appraisers that they have always worked with for real estate mortgage lending appraisals. The commercial appraisal enhancements will work the same: lenders will still be able to create and work with panels of their commercial property appraisers that they know, like and trust.
"The best part is that the feature utilizes the lender’s preferred appraisers," continues Chiappe. "Now they will be able to work with their commercial appraisers and have mortgage lending and commercial appraisals in the same easy-to-use system. Lenders come to Appraisal Firewall because they want to work with their known and trusted local appraisers. They stay with us because of the feature-rich environment we’ve created that is cost-effective and helps them streamline their entire process while supporting their community relationships."
News Release Date: 12/9/2010
AS PUBLISH BY THE FEDERAL RESERVE SYSTEM IN REGARDS TO THE 12 CFR Part 226
Regulation Z; Docket No. R-1394 RIN AD-7100-56
truth in Lending
TO AGENCY: Board of Governors of the Federal Reserve System.
FROM:
Bryan Muldoon Certified Residential Appraiser Member (A F I)
ACTION:
Response to Interim Final Rule; Response to request for public comment.
SUMMARY:
Independent Fee Appraisers is submitting, as requested, comments in response to the Board's publishing for public comment an interim final rule amending Regulation Z (Truth in Lending).
The Board's interim rule implements Section 129E of the Truth in Lending Act (TILA), which was enacted on July 21, 2010, as Section 4173 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. TILA Section 129E establishes new requirements for appraisal independence for consumer credit transactions secured by the consumer's principal dwelling.
Independent Fee Appraisers (I F A) is concerned that, while the above summary regarding Appraiser Independence is accurate, it is interpreted or misconstrued in the practices and development of rules defined in the detailed analysis later in the Interim Final Rule. Independent Fee Appraisers recognize parts of the Interim Final Rule regarding Appraiser Independence overlap. This creates further discussion which arguably renders the Interim Final Rule inconsistent with it's summary.
Independent Fee Appraisers recognize and appreciates the Board's strong view on the need for Appraiser Independence and the necessary inclusion of TILA and R E S P A during their consideration of the Interim Final Rule. Mandating Control over Appraisers via salary control and forced fee acceptance is not only unethical and damaging to the process but also negates the intended effect of the bill. Unintended consequences will assuredly arise as it did with the H V C C, it is the Boards responsibility not only learn from the damage the H V C C has created, whether intentional or unintentional, but to correct and avoid this catastrophe in the future.
See the complete document: Click Here
News Release Date: November 1, 2010
As published at the US Senator Christopher Dodd (D-Conneticut)
Author of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Credit Card Accountability, Responsibility and Disclosure Act.
“Effective consumer protection requires vigilance,” said Dodd. “The confidence of the American people in the financial system and in the economy can be rebuilt—but it can be shaken again. As much as I would love to outlaw greed or recklessness, that’s impossible. The innovation that has always been the trademark of the American financial system will continue to produce great prosperity for our country. But it will also produce the occasional bad apple. There’s nothing we can do to stop that from happening. We cannot legislate against crisis. But what we can do—what I hope we have done—is to build safeguards for the American people, so they know that they won’t get ripped off or see the economy collapse around them.”
News Release Date: November 1, 2010
As published at the US Congresman Barney Frank's website (D-Massachusets), US President Barak Obama signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act in July 21, 2010. This Act is a sweeping overhaul of the nation’s financial services industry and a broad expansion of consumer protections. The law is the result of over a year of concerted effort by Congressman Barney Frank, Senator Chris Dodd, and the Obama administration.
After the bill passed the House in December 2009 and passed the Senate in May 2010, Frank was chosen to be Chairman of the House-Senate conference committee which reconciled the differences between the House and Senate bills. Frank took the rare step of holding an open conference in order to give the public full view of deliberations. The sessions were televised in full on CSPAN.
In his speech at the signing ceremony today, President Obama said that the “reforms represent the strongest consumer financial protections in history.” Most Americans will experience the effects of the bill most directly in their interactions with lending institutions and credit card companies, which will be prevented from issuing mortgages that borrowers clearly cannot pay, and will limit many hidden fees.
News Release Date: October 15, 2010 (as published by Fannie Mae)
Fannie Mae announced today an updated communication in regards to the HVCC updated and now known as: Appraiser Independence Requirements. Fannie Mae still requires total independence to the Appraiser between any individual with financial interest in the completion of a Mortgage Loan Application.
Best way to accomplish, a MDS comment, and encouragement is to have total documentation of the whole conversation between the Lender Representatives and the Appraiser during the process of the Appraisal. MDS offers the Lender their choise of Automated Selection or Manual Selection of their own Lenders Appraisers Panel. Once this process is completed, MDS reviews and validates the appraiser selection process, audit the whole auditable conversation, provides access for the lender to send and stamp with date and time of the Consumer's Appraisal Copy minimun 3 days before closing the loan) and at the end MDS provides a Certification of Compliance with the Appraiser Independence Procedures.
Please click the link below to access the new FannieMae Independence Appraisal Regulation directly from the website.
https://www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/appcode/pdf/air.pdf
Lender Representation and Waranty link:
https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2010/sel1014.pdf
News Release Date: May 20, 2010 (as published by FHFA)
Fannie Mae, Freddie Mac to Deploy Appraisal Complaint Process
Washington, DC –Fannie Mae and Freddie Mac will deploy a complaint process for violations of the Home Valuation Code of Conduct (HVCC), according to a letter from FHFA Acting Director Edward J. DeMarco to New York Attorney General Andrew Cuomo. The letter, which outlines developments with the HVCC and related agreements, states that Fannie Mae and Freddie Mac, now in conservatorship, will not be funding the Independent Valuation Protection Institute (IVPI).
Link: http://www.fhfa.gov/webfiles/15738/HVCCInstitutereleaseletter52010.pdf
News Release Date: March 15, 2010
Home Valuation Code of Conduct Frequently Asked Questions (FAQs)
Updated March 2010
To help enhance the integrity of the home appraisal process in the mortgage finance industry, in March 2008, Fannie Mae entered into an agreement with our regulator – the Federal Housing Finance Agency (FHFA) (then the Office of Federal Housing Enterprise Oversight) – and the New York Attorney General’s office to adopt certain policies relating to appraisals for loans delivered to us. Following a public comment period, the Home Valuation Code of Conduct (Code) was modified and became effective for single-family mortgage loans (except government-insured loans) originated on or after May 1, 2009, and delivered to Fannie Mae.
The following FAQs provide additional clarification on implementation of the Code. Fannie Mae’s and Freddie Mac’s FAQs may differ to some extent in style or structure, but present no substantive differences in interpretation or implementation of the Code, nor do they impose any different operational requirements.
This document was previously updated in March and July 2009. Questions that are new or substantively updated in this (March 2010) version are properly indicated .
https://www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/appcode/pdf/hvccfaqs.pdf
News Release Date: January 28, 2010
New RESPA Rule Q&A's Updated as of January 28. 2010
This is the latest publication from HUD/FHA in regards to a Questions & Answers refering to the new RESPA & GFE regulations.Please click on the following HUD/FHA link to access directly at HUD's WebSite
http://www.hud.gov/offices/hsg/ramh/res/respa_hm.cfm
News Release Date: December 30, 2009
FHA Mortgagee Letter 2009-53
SUBJECT: Real Estate Settlement Procedures Act (RESPA) and FHA Related Policies
As a result of regulatory changes to 24 CR § 203.27, FHA no longer limits the origination fee to 1 percent of the mortgage amount for its standard mortgage insurance programs. However, both Home Equity Conversion Mortgage (HECM) and Section 203(k) Rehabilitation Mortgage Insurance Programs retain their statutory origination fee caps.
Mortgagees are instructed that the sum of all fees and charges from origination-related services must be included in Box 1 on Page 2 of the new Good Faith Estimate (GFE). The figure in Box 1 represents all compensation to the lender and/or broker for originating the loan and will most often exceed the specific origination fee caps set for government programs. Although the new GFE requires that lenders provide an aggregated cost for origination services, if a government program or state law requires that lenders provide more detailed information to specify distinct origination fees and charges, lenders may itemize these charges in the empty 800 lines of the HUD-1, to the left of the column.
FHA expects that lenders will continue to charge fair and reasonable fees for all origination services and the agency will continue to monitor to ensure that FHA borrowers are not overcharged. Furthermore, the FHA Commissioner retains the authority to set limits on the amount of any fees that mortgagees charge borrowers for obtaining an FHA loan and the agency does intend to issue additional guidance on the subject.
Direct Link to the FHA Mortgagee Letter 2009-53 Dated December 30, 2009:
http://www.mdspr.com/portal/Portals/3/FHA Mortgagee Letter 2009-53.pdf
News Release Date: November 17, 2009
Appraisal Firewall complies with new incoming FHA Mortgage Lender and Appraiser Independence Regulation.
http://www.mdspr.com/portal/Portals/3/11.17.09_FHA_Web AF_SL_MDS.pdf
News Release Date: September 18, 2009
FHA ANNOUNCES CREDIT POLICY CHANGES
HUD No. 09-177
WASHINGTON, DC - Federal Housing Administration (FHA) Commissioner David H. Stevens today announced plans to implement a set of credit policy changes that will enhance the agency's risk management functions. Stevens also announced his intention to hire a Chief Risk Officer for the first time in the FHA's 75-year history.
Both actions come as the agency's annual independent actuarial study is being completed. The study will be sent to Congress in November and is expected to show the capital reserve ratio dropping below the congressionally-mandated threshold of two percent. The changes announced today will strengthen the FHA's reserves and better manage risk.
"To be clear, the fund's reserves are sufficient to cover our future losses, so the FHA will not require taxpayer assistance or new Congressional action," said Commissioner Stevens. "That said, given the size and scope of the FHA and its importance to today's market, these risk management and credit policy changes are important steps in strengthening the FHA fund, by ensuring that lenders have proper and sufficient protections."
"By keeping affordable loans flowing, particularly to the growing ranks of first-time homebuyers, the FHA has been critical to our nation's economic and housing market recovery," said U.S. Department of Housing and Urban Development Secretary Shaun Donovan. "As we begin to move from recession to recovery, these changes will not only ensure FHA's financial strength but they will also help to further strengthen our nation's economy."
FHA's congressionally mandated capital reserve ratio, which is determined by the independent actuarial study, measures excess reserves above and beyond projected losses over the next 30 years. FHA continues to hold more than $30 billion in its total reserves today, or more than 4.4% of its insurance in force. Additionally, FHA's full faith and credit insurance means that there is no risk to homeowners or bondholders, even in the event that the capital reserve ratio drops below the two percent threshold mandated by Congress. With the FHA's higher average credit scores and tighter credit policies announced today, the FHA fund is expected to produce revenue for the U.S. Treasury.
The FHA's risk management functions are currently dispersed across a number of offices. The Chief Risk Officer will oversee the coordination of FHA's efforts to concentrate risk management in a single division devoted solely to managing and mitigating risk to the FHA's insurance fund - across all FHA programs.
In addition to adding a Chief Risk Officer, the FHA is proposing specific credit policy changes that are largely focused on ensuring responsible lending and risk management for FHA-approved lenders. These changes build on lessons learned in the credit crisis and seek to align the FHA with the Administration's goal of regulatory reform. As the FHA's stable of lenders grows, these lenders must have "skin in the game." These credit changes will do that by ensuring they have long-term interest in the performance of the loans they originate.
News Release Date: September 11, 2009
From Fannie Mae's Website;
Single-Family News: Summer 2009 Check Out These New/Updated Selling Policy Resources
Fannie Mae regularly supplements the Selling and Servicing Guides, and related Announcements, with FAQs and other job aids to assist lenders in complying with our requirements. Check out these new and recently updated selling policy resources:
New (August 2009) FAQs for Announcement 09-19, Miscellaneous Underwriting, Eligibility, and Property-Related Updates (.pdf)
New (August 2009) Form 4506-T Lender Tips (.pdf)
Updated (July 24, 2009) Home Affordable Refinance FAQs (.pdf)
Updated (July 2009) Home Valuation Code of Conduct FAQs (.pdf)
SharperLending, LLC Enhances Appraisal Firewall Technology with New HVCC Compliance Feature
August 27th, 2009 – Spokane, WA-based mortgage technology provider SharperLending LLC has added an additional HVCC compliance feature to its Appraisal Firewall product for lenders. Banks, credit unions, and wholesale lenders that use Appraisal Firewall may now provide a copy of the completed appraisal to the borrower via email, or through print and mail, without leaving the system. This feature was added to help lenders comply with new requirements under HVCC; one of which is to provide the borrower with the completed appraisal three days prior to closing. The system date and time stamps when the appraisal was sent to the borrower and adds this to the activity log for audit tracking compliance. “Appraisal Firewall is focused on consistently bringing new compliance features to lenders that reduce the impact HVCC has on their business,” says Dave Black, President and CEO of SharperLending, the company behind the Appraisal Firewall system. “More and more lenders are discovering that Appraisal Management Companies are not the answer to HVCC compliance – Appraisal Firewall is.”
News Release Date: May 12, 2009
From Fannie Mae's Website;
New Appraisal and Home Valuation Code of Conduct Resources Available
Several new or updated appraisal-related resources are now available, including a recorded Web seminar on the Home Valuation Code of Conduct.
Home Valuation Code of Conduct and Appraisal Guidance
As a reminder, loans originated on or after May 1, 2009 for delivery to Fannie Mae or Freddie Mac must be in compliance with the Home Valuation Code of Conduct (HVCC). To assist you in understanding the HVCC requirements, view our new recorded Web seminar and updated FAQs.
In conjunction with the rewrite of the Fannie Mae Selling Guide, we removed some non-policy guidance for lenders and appraisers from the Guide and have moved it into a new document, Guidance for Lenders and Appraisers.
Appraisal Resources
Market Conditions Addendum
The Market Conditions Addendum to the appraisal report (Form 1004MC) is required with all appraisals of one- to four-unit properties effective April 1, 2009. A recorded training presentation is available, along with FAQs on Form 1004MC and other appraisal report and form topics.
Form 1004MC and Related Resources
News Release Date: May 1, 2009
Fannie Mae Lender Letter 04-2009 - Independent Valuation Protection Institute (IVPI)
Lender Letter 04-2009: Independent Valuation Protection Institute
Last year, Fannie Mae entered into an agreement with the New York State Attorney General and the Federal Housing Finance Agency, to enhance appraisal practices and appraiser independence. Per the agreement, Fannie Mae agreed to provide funding to help establish the Independent Valuation Protection Institute (IVPI), which will accept referrals and complaints for non-compliance with the Home Valuation Code of Conduct.
The timing, composition, and configuration of the IVPI will be forthcoming. The Lender Letter provides a status update, including that an interim, temporary process will be established for reporting and registering complaints from appraisers, individuals, and other entities. Additional information will be provided in an upcoming Announcement.
https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2009/ll0409.pdf
Fannie Mae posted a new Webinar in relation to the "HVCC"
Fannie Mae posted on their website a Webinar related to the "Home Valuation Code of Conduct" . This webinar is intended to Lenders and Appraisers in order to make it more understandable to everyone. Please use the link to access the Fannie Mae Webinar on "HVCC"
Home Valuation Code of Conduct Recorded Web Seminar 
News Release Date: March 25, 2009
MDS request confirmation from prospect mortgage lenders users for registering to "Appraisal Firewall"
Mortgage Documents Solutions, Inc. has requested today confirmation of use, via email to all their prospect mortgage lenders users of the "Appraisal Firewall" platform to help the local mortgage industry comply with the new Fannie Mae & Freddie Mac "Home Valuation Code of Conduct" (HVCC) regulation. If you have not received an email communication from us and would like to register for the use of our platform please call us at (939) 642-7990 or email us as mailto:infor@mdspr.com.
MDS
News Release Date: January 26, 2009
Professional Appraisal Organizations React
to Revised Home Valuation Code of Conduct
The nation’s largest organizations of professional real estate appraisers – the Appraisal Institute, American Society of Appraisers, American Society of Farm Managers and Rural Appraisers, and the National Association of Independent Fee Appraisers – issued the following statement today in reaction to the revised Home Valuation Code of Conduct (Appraisal Code) released by the Federal Housing Finance Agency and Fannie Mae and Freddie Mac:
"Now that Fannie Mae and Freddie Mac have taken steps to improve appraisal quality by establishing an Appraisal Code, we suggest lenders set their policies to use the most competent appraisers available. Now, more than ever, we need to return to the time-tested process of choosing appraisers based on quality, not price. We firmly believe that the best and most efficient way for lenders to identify competent appraisers is to seek out those with advanced education, experience and credentials, including professional appraisal designations".
"We are reviewing the revised Appraisal Code to study its impact on the appraisal profession and the mortgage lending industry. While we applaud the thrust of the Appraisal Code to increase appraisal independence, we have continuing concerns that certain elements are at odds with the goal of obtaining competently prepared appraisals, specifically, provisions that place increasing reliance on unregulated appraisal management companies. Like much of the mortgage industry during the years that led up to the current housing crisis, these entities are unregulated. Further, the current business model of many appraisal management companies places appraisal quality last, while shifting the cost of appraisal management services to the consumer without any disclosure".
News Release Date: January 7, 2009
Fannie Mae Announcement on the Home Valuation Code of Conduct
To help enhance the integrity of the home appraisal process in the mortgage finance industry, in March 2008, Fannie Mae entered into an agreement with our regulator—the Federal Housing Finance Agency (then the Office of Federal Housing Enterprise Oversight)—and the New York Attorney General's office to adopt certain policies relating to appraisals for loans delivered to us. Following a public comment period, the Home Valuation Code of Conduct has been modified and will be effective for single-family mortgage loans (except government-insured loans) that are originated on or after May 1, 2009, and delivered to Fannie Mae.
For implementation details and supporting information, please refer to the Announcement and FAQs.
Home Valuation Code of Conduct
(.pdf, 31K, 6 pages)
Announcement 09-01, Home Valuation Code of Conduct
(.pdf, 41K, 2 pages)
FAQs 
(.pdf, 45K, 8 pages)
News Release Date: January 7, 2009
Freddie Mac Announcement on the Home Valuation Code of Conduct
Home Valuation Code of Conduct
Enhancing the independence of appraisers
The Home Valuation Code of Conduct (the Code) is the result of a joint agreement between Freddie Mac, the Federal Housing Finance Agency (FHFA), and the New York State Attorney General to enhance the independence and accuracy of the appraisal process, and provide added protections for homebuyers, mortgage investors and the housing market.
The Code was added to our Single-Family Seller/Servicer Guide (Guide) on January 7, 2009, as an Exhibit, and reflects many of the comments received from Sellers and other industry participants during the open comment period last year.
Effective Date
Effective May 1, 2009, Freddie Mac will no longer purchase mortgages from Sellers that do not adopt the Code with respect to single-family mortgages that are delivered to Freddie Mac.
Also, effective for single-family mortgages with loan application dates on or after May 1, 2009, Freddie Mac Seller/Servicers must represent and warrant that the appraisal report is obtained in a manner consistent with the Code.
The sale of the following mortgages is excluded from the representation and warranty: FHA/VA Mortgages, Section 184 Native American Mortgages, and Section 502 Guaranteed Rural Housing Mortgages.
Independent Valuation Protection Institute
We will work with the New York State Attorney General, FHFA, Fannie Mae and other mortgage market participants regarding the Independent Valuation Protection Institute (Institute). The Institute has not yet been established, and therefore, the provisions regarding the Institute are not yet effective.
For more information
Call your Freddie Mac representative
Download the Home Valuation Code of Conduct [PDF 25K]
Review the January 7, 2009 Guide Bulletin [PDF 33K]
Read our Frequently Asked Questions
News Release December 23, 2008
Federal Housing Finance Agency (FHFA) announces the new Home Valuation Code of Conduct
Washington, DC - Federal Housing Finance Agency (FHFA) Director James B. Lockhart announced that Fannie Mae and Freddie Mac will implement a revised Home Valuation Code of Conduct (Code) effective May 1, 2009. (See the communication, click the following link)
http://www.mdspr.com/portal/Portals/3/HVCC122308.pdf
MDS: (888) 539-4542; Fax (800) 637-0594; email: info@mdspr.com