{"id":4611,"date":"2022-06-08T13:32:16","date_gmt":"2022-06-08T17:32:16","guid":{"rendered":"https:\/\/nationalfairhousing.org\/?p=4611"},"modified":"2022-06-09T17:53:29","modified_gmt":"2022-06-09T21:53:29","slug":"file-appraisal-complaint-with-hud","status":"publish","type":"post","link":"https:\/\/nationalfairhousing.org\/file-appraisal-complaint-with-hud\/","title":{"rendered":"If You Think You&#8217;ve Received an Unfair Appraisal, HUD Can Help"},"content":{"rendered":"\n\n    <!--Two Column Content Block-->\n    <section class=\"        has-overlay overlay-purple bg-purple-dark                pb-lg pt-lg\n    \">\n        <div class=\"container-fluid\">\n            <div class=\"row no-gutters justify-content-xl-between justify-content-xxxl-center\">\n                <div class=\"col-12 col-xxxl-10\">\n                    <div class=\"row row-grid no-gutters2 align-items-md-center justify-content-md-between\">\n\n                                                    <div class=\"col-md-5 col-lg-5 col-xxl-6 \">\n                                <figure class=\"border-rounded offset-b-lg\">\n                                    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/06\/PAVE.png\" alt=\"\" class=\"img-fluid\" height=\"855\" width=\"570\">\n                                <\/figure>\n                            <\/div>\n                        \n                        <div class=\"col-md-7 col-lg-6 col-xxl-5 \">\n\n                            \n                                                            <h2 class=\"heading-1 color-white mb-3\">Get Help from HUD<\/h2>\n                            \n                            <p class=\"headerfouri extrabspacing20\">If you think you received an unfair appraisal, we can help. Learn how to file different types of complaints and continue visiting this page as we add additional resources to help you understand your rights and how to address bias in appraisals.<\/p>\n\n                                                            <div class=\"btn-row\">\n                                                                            <a href=\"https:\/\/pave.hud.gov\/gethelp\" class=\"btn btn-primary btn-yellow btn-sm\">Get Help Here<\/a>\n                                    \n                                                                    <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        \n    <\/section>\n\n\n\n\n<div class=\"content-wrap-item post__columns wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<blockquote class=\"content-wrap-item blockquote post__quote wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>What is PAVE?<\/strong><\/p><p><\/p><p>PAVE is a first-of-its-kind interagency task force dedicated to ending bias in home valuation. The task force includes 13 federal agencies and offices and is chaired by the U.S. Department of Housing and Urban Development and the White House Domestic Policy Council.<\/p><\/blockquote>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<h1 class=\"content-wrap-item post__heading post__heading-undefined wp-block-heading\"><\/h1>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n<figure class=\"content-wrap-item post__image wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/06\/pave_1.png\" alt=\"\" class=\"wp-image-5449\" width=\"681\" height=\"432\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n\n    <!--Content Block-->\n    <section class=\"container-fluid pb-lg pt-lg\">\n\n                    <div class=\"block-header justify-center\">\n                <h2 class=\"heading-1 color-purple-dark\">PAVE&#8217;s Action Plan<\/h2>\n            <\/div>\n        \n                    <div class=\"row row-grid\">\n\n                                    <section class=\"col-sm-6 col-xl-4\">\n                        <a href=\"https:\/\/pave.hud.gov\/actionplan\" class=\"card-icon\">\n\n                            \n                                                            <h3 class=\"heading-3 color-purple-dark mb-3\">Outlines the historical role of racism in the valuation of residential property<\/h3>\n                            \n                            <h4 class=\"headerfour tagalignitemscenter\" style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"taglinkimg2 alignleft\" src=\"https:\/\/pave.hud.gov\/sites\/pave.hud.gov\/files\/images\/paveoutlinesicon.png\" alt=\"outline icon\" width=\"106\" height=\"106\" \/><\/h4>\n\n                        <\/a>\n                    <\/section>\n                                    <section class=\"col-sm-6 col-xl-4\">\n                        <a href=\"https:\/\/pave.hud.gov\/actionplan\" class=\"card-icon\">\n\n                            \n                                                            <h3 class=\"heading-3 color-purple-dark mb-3\">Examines the various forms of bias that can appear in residential property valuation practices<\/h3>\n                            \n                            <h4 class=\"headerfour tagalignitemscenter\"><img loading=\"lazy\" decoding=\"async\" class=\"taglinkimg2 alignleft\" src=\"https:\/\/pave.hud.gov\/sites\/pave.hud.gov\/files\/images\/paveexamineicon.png\" alt=\"examine icon\" width=\"111\" height=\"111\" \/><\/h4>\n\n                        <\/a>\n                    <\/section>\n                                    <section class=\"col-sm-6 col-xl-4\">\n                        <a href=\"https:\/\/pave.hud.gov\/actionplan\" class=\"card-icon\">\n\n                            \n                                                            <h3 class=\"heading-3 color-purple-dark mb-3\">Describes how government and industry stakeholders will advance equity through concrete actions and recommendation<\/h3>\n                            \n                            <h4 class=\"headerfour tagalignitemscenter\" style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"taglinkimg2 alignleft\" src=\"https:\/\/pave.hud.gov\/sites\/pave.hud.gov\/files\/images\/pavedescribeicon.png\" alt=\"describe icon\" width=\"106\" height=\"106\" \/><\/h4>\n\n                        <\/a>\n                    <\/section>\n                \n            <\/div>\n        \n                    <div class=\"block-footer justify-center\">\n                <a href=\"https:\/\/pave.hud.gov\/sites\/pave.hud.gov\/files\/documents\/PAVEActionPlan.pdf\" class=\"btn btn-primary btn-yellow btn-sm\">Read the Full Action Plan<\/a>\n            <\/div>\n        \n    <\/section>\n\n\n\n\n\n    <!--Content Block-->\n    <section class=\"bg-purple-xlight pb-lg pt-lg\">\n        <div class=\"container-fluid\">\n            <div class=\"row justify-content-lg-center\">\n                <div class=\"col-lg-9\">\n\n                                            <h2 class=\"heading-1 color-purple-dark mb-5 text-center\">Learn More About PAVE<\/h2>\n                    \n                    <div class=\"accordion accordion-default\" id=\"accordionFAQ\">\n\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn \" data-target=\"#FAQ0\" data-toggle=\"collapse\" aria-controls=\"FAQ0\" aria-expanded=\"true\">\n                                        What is PAVE and why was the Task Force formed?                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse show\" data-parent=\"#accordionFAQ\" id=\"FAQ0\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <p class=\"headerfive\">On June 1, 2021, the centennial of the Tulsa Race Massacre, President Biden announced the creation of an interagency initiative to combat bias in home valuations. President Biden directed the PAVE Task Force to (i) evaluate the causes, extent, and consequences of appraisal bias, and (ii) establish a transformative set of recommendations to root out racial and ethnic bias in home valuations.<\/p>\n<p class=\"headerfive\">PAVE is a first-of-its-kind interagency task force dedicated to ending discrimination in home valuations. The task force includes 13 federal agencies and offices and is chaired by Director of the Domestic Policy Council Ambassador Susan E. Rice and the U.S. Housing and Urban Development Secretary Marcia L. Fudge.<\/p>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn collapsed\" data-target=\"#FAQ1\" data-toggle=\"collapse\" aria-controls=\"FAQ1\" aria-expanded=\"true\">\n                                        Why is the Task Force focused on home appraisals?                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse \" data-parent=\"#accordionFAQ\" id=\"FAQ1\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <p class=\"headerfive\">One of the main reasons that the Task Force is focused on home appraisals is because of how appraisals can impact the homeownership and wealth gaps. An appraisal is an important part of the homebuying process, as it establishes the value of the property for a home loan. Simply stated, fair and accurate appraisals directly impact national homeownership rates. More than 50 years since the Fair Housing Act\u2019s passage, the racial homeownership gap is wider than ever: in 2021, the Black homeownership rate reached only 44 percent, while the white homeownership rate reached 74 percent.<\/p>\n<p class=\"headerfive\">The Task Force believes that if the Federal Government advances equity in the appraisal process, it can also make substantial progress toward closing the racial homeownership and wealth gap.<\/p>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn collapsed\" data-target=\"#FAQ2\" data-toggle=\"collapse\" aria-controls=\"FAQ2\" aria-expanded=\"true\">\n                                        How does the work of the Task Force affect me as a consumer?                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse \" data-parent=\"#accordionFAQ\" id=\"FAQ2\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <p class=\"headerfive\">The Task Force is focused on combatting racial and ethnic bias that can cause a low valuation during the homebuying or refinance process. During the homebuying process, a low valuation can cause the sale to fall through. This may harm both the buyer and the seller, as the buyer is unable to become a homeowner, and the seller is unable to realize potential gains from the sale A low valuation in a refinance transaction can result in the lender making credit-risk related price adjustments that lead to higher interest rates for the borrower. In some cases, it can result in the borrower not being eligible for the refinance. In the common case where borrowers are seeking to access some of their realized home equity wealth via a cash out refinance, a low valuation can reduce the amount of wealth available to the borrower.<\/p>\n<p class=\"headerfive\">Both occurrences can impact property values and the accumulated wealth of homeowners in that community. Ultimately, this can inhibit how families in that community leverage equity to pay for college, pay for repairs, or provide a buffer during financial hardship. Reduced property values can also diminish the property tax revenue that funds the maintenance and improvement of community schools and amenities.<\/p>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn collapsed\" data-target=\"#FAQ3\" data-toggle=\"collapse\" aria-controls=\"FAQ3\" aria-expanded=\"true\">\n                                        What is the PAVE Action Plan?                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse \" data-parent=\"#accordionFAQ\" id=\"FAQ3\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <p>The Action Plan is a document that outlines clear actions that federal agencies will take to root out appraisal bias. The Action Plan is part of an ongoing commitment from the Federal Government to expand homeownership rates for families and communities of color. This commitment will continue to be informed by data, members of industry, advocacy, fair housing, and academic organizations, and by the stories of all Americans who dream of homeownership.<\/p>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion-item\">\n                                <h2 class=\"heading-3\" id=\"accordionHeading1\">\n                                    <button type=\"button\" class=\"accordion-btn collapsed\" data-target=\"#FAQ4\" data-toggle=\"collapse\" aria-controls=\"FAQ4\" aria-expanded=\"true\">\n                                        What are some of the successes of PAVE to date?                                    <\/button>\n                                <\/h2>\n                                <div class=\"collapse \" data-parent=\"#accordionFAQ\" id=\"FAQ4\" aria-labelledby=\"accordionHeading1\">\n                                    <div class=\"card-body\">\n                                        <p>The Task Force has made significant progress since its first meeting in August 2021. For example, the Appraisal Subcommittee (ASC) launched an independent review of the Uniform Standards of Professional Appraisal Practice (USPAP) and the qualification criteria for the appraiser industry to understand potential barriers to entry for underrepresented communities. Additionally, in November of 2021, FHA issued a\u00a0<a class=\"pavelink\" href=\"https:\/\/www.hud.gov\/sites\/dfiles\/OCHCO\/documents\/2021-27hsgml.pdf\" target=\"_blank\" rel=\"noopener\">Mortgagee Letter<\/a>\u00a0to clarify nondiscrimination requirements applicable to appraisers and lenders. The\u00a0<a class=\"pavelink\" href=\"https:\/\/pave.hud.gov\/actionplan\">Action Plan<\/a>\u00a0includes a full list of successes to date.<\/p>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n\n\n    <!--50\/50 Overlay Block-->\n    <section class=\"image-block\">\n\n        \n        <!--Overlay-->\n        <div class=\"image-overlay overlay-block-xl align-h-left position-absolute-xl bg-purple-90\">\n            <div class=\"animate slower\" data-animation=\"fadeIn\">\n\n                                    <span class=\"micro-title color-white has-divider divider-before mb-2\">sdfsdf<\/span>\n                \n                                    <h2 class=\"heading-1 color-white mb-5\">sdfsdfsd<\/h2>\n                \n                \n                            <\/div>\n        <\/div>\n\n    <\/section>\n\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n\n\n\n\n    <!--Two Column Content Block-->\n    <section class=\"                bg-purple-xlight        pb-lg pt-lg\n    \">\n        <div class=\"container-fluid\">\n            <div class=\"row no-gutters justify-content-xl-between justify-content-xxxl-center\">\n                <div class=\"col-12 col-xxxl-10\">\n                    <div class=\"row row-grid no-gutters2 align-items-md-center justify-content-md-between\">\n\n                                                    <div class=\"col-md-5 col-lg-5 col-xxl-6 order-lg-2\">\n                                <figure class=\"border-rounded offset-b-lg\">\n                                    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nationalfairhousing.org\/wp-content\/uploads\/2022\/06\/complaint.jpg\" alt=\"\" class=\"img-fluid\" height=\"855\" width=\"570\">\n                                <\/figure>\n                            <\/div>\n                        \n                        <div class=\"col-md-7 col-lg-6 col-xxl-5 order-lg-1\">\n\n                                                            <span class=\"micro-title color-purple-dark has-divider divider-before mb-2\">How Do I File a Discrimination Complaint?<\/span>\n                            \n                            \n                            <p>To learn more about your fair housing rights during the homebuying or refinancing process, contact HUD\u2019s Office of Fair Housing and Equal Opportunity (FHEO). Visit the FHEO website to file a fair housing complaint.<\/p>\n\n                                                            <div class=\"btn-row\">\n                                                                            <a href=\"https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp\/online-complaint#_How_to_File\" class=\"btn btn-primary btn-yellow btn-sm\">File a Complaint with HUD <\/a>\n                                    \n                                                                            <a href=\"https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp\/complaint-process\" class=\"btn btn-link btn-link-purple btn-link-arrow btn-arrow-yellow btn-arrow-after\">Learn More<\/a>\n                                                                    <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        \n    <\/section>\n\n\n\n\n<p class=\"content-wrap-item post__paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is PAVE? PAVE is a first-of-its-kind interagency task force dedicated to ending bias in home valuation. The task force includes 13 federal agencies and offices and is chaired by the U.S. Department of Housing and Urban Development and the White House Domestic Policy Council.<\/p>\n","protected":false},"author":433,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[71],"class_list":["post-4611","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-appraisal-bias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>If You Think You&#039;ve Received an Unfair Appraisal, HUD Can Help - NFHA<\/title>\n<meta name=\"description\" content=\"What is PAVE? 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