The first appraiser Brad Krantz (brad@krantzappraisal.com, Location Lake Ozark, Missouri 65049, United States), showed up earlier than I hoped and inspected every part of my house.
He mentioned nothing to me about anything being wrong. He was upbeat and told me he had already completed his online work (such as comparables perhaps?).
Who waits for an appraisal for 4 weeks and does not ask why?
To this day I still don't know what was the reason was and why it was being called Complex problem. I don't even know the names of my contacts, or their job responsibilities, or fitness to update client borrowers.
Every time asked I received the same simplistic and broad answer repeatedly, which was of no use to a Borrower on a deadline.
I was told, "We don't have the appraisal yet." No other explanation. Of course, I was sure he had sent it. Until he stopped taking my calls, even when Longbridge asked me to call him.
The appraiser seemed honestly forthcoming. He talked to me often and answered many of my questions immediately. I did not ask him when he would submit the appraisal. He volunteered that the appraisal would be submitted the next day.
One month later I could get no answer other than "The appraisal isn't here yet".
Kayla or Tina from Longbridge finally told me that Mr. Krantz reported the appraisal was very "Complex" and that they should get another appraiser.
They told me what he said and I asked if this "Complex" problem bothered him so much he sold his telephone.
During the hour he examined my home he told me his online due diligence was already finished. He did not mention any problems to me. Now, months later he has used a term so broad as to negate any meaning. Complex is not a meaningful appraisal descriptor. I sent the definition of the word complex directly from the Merriam-Webster dictionary to Ms Burchfield.
I have experienced hundreds of appraisals in my long career. An appraiser must follow the rules and guidelines of the environment in which the loan is being done. If the property has deficiencies he reports them. If the property being appraised meets the guidelines it must be approved. If the property does not meet the guidelines, it must be denied. That is not complex. It is "simple and concise."
No one supplied me with even one detail from Mr. Krantz explaining how an appraisal that seemed ready to go was mysteriously never finished.
After 5 weeks my appraisal was declined due to being Complex. There is no such thing.
When I didn't fall for that, Longbridge brought up the problem that my house is unique.
Unique?
It is just a house. Being unique might lower its value. But it is just a house built with construction materials. It is well built. It is in the Ozark Mountains. If it is further from comparables then you reduce the qualified amount and move on.
It is not that unique.
Weeks went by. I actually thought Longbridge had given up. Then I get the news that I would get a 2nd appraiser who was being supplied to me by an appraiser brokerage company that I was hearing about for the first time.
They were called Atlas VMS, Inc. I got a message from them informing me that they, were an "Authorized Agent of Longbridge Financial, LLC. and commissioned to manage the appraisal processing and compliance of the above referenced appraisal order to include appraiser selection, payment processing, appraisal QC processing and delivery.
Aha. Someone claiming to be responsible without being asked.
This sorta began well also. I heard from the new appraiser the next day.
He was Mike Bleile of Select Certified Appraisals (573) 346-5100, Email - mike@usesca.com, State Certified Residential Real Estate Appraiser, MO Certification - 2002008614, Expires 06/30/2028, E&O Insurance Coverage - Active, Expires 09/21/2026.
The first 3 minutes went well enough, but the situation took a very strange direction after that. Mike Bleile, who was there to do an appraisal, would walk no further than about 8 to 12 ft. into the 4,800 sq ft, 2-story home's living room. He kept looking at his watch, like in a Humphrey Bogart movie.
He inspected nothing. He first said there was no use in doing the appraisal and pointed out some sheetrock damage right by the front door. It was about 3 feet long and averaged 3 inches high. This is very minor and could be fixed for $20 on any given day.
He mentioned mold. He didn't specify what kind of mold it was or why it could not be encapsulated or just removed. Where he was talking about was on the floor. He didn't stoop down to look at it, I should have offered him some binoculars and a gaming chair.
I have planned to remove and replace it all the time I was waiting to get the loan closed. That is why I was getting the loan.
He did not mention anything to me. So I did not tell him that.
He did not look anywhere else for sheetrock damage.
He actually did not look at anything else in the home at all. Nothing. Mike became fixated on a very old home next to mine. It is a different property on a different lot. It is not in good shape. In fact I would have probably removed it and built something new there, but it has a magnificent Ozark rock chimney on it and inside the fireplace is set in a steel inset along with a smoker.
I have five standing offers to buy the home if I rebuild it to the standard I have promised. He reported this "Fix and Flip" project as "a dilapidated home which was condemned."
It is not condemned. No one has even complained.
The neighbors are very interested in watching us rebuild and preserve it.
After Mike left he reported to the Lender/Broker that there was no running water. In my house there was no water. He never walked near a sink or checked the shower. Of course it all works. I don't know why he reported that.
I have had a water softener unit and water filter rented from Culligan of West Central Missouri for 3 years I turned it in and I have found a unit I am going to buy with whatever loan I finally get.
I had two 1 gallon jugs of Walmart filtered water for drinking sitting by the sink. But I still drink my well water also. I am just guessing there.
I have no idea why he would type that lie into an email and press send to anyone. (wire fraud?)
However, a reverse mortgage allows for sheetrock damage to be covered by a "set-aside repair," with funds mandated specifically for those repairs. Or any other problem as long as it doesn't take more money than you can borrow.
That was my plan. This is what I want the loan for. I was the original developer of this subdivision from 1980 to 1989. I was building this house for a client. He passed away. He paid me cash for the work we completed, which was about 90% finished. His family came to me wanting to sell the home back to me. They were in a bad situation and I had the cash so I bought it with cash. I never knew what I was going to do with it.
Years later I realized I was getting old. Coincidentally my son moved close to this location bringing my grandchildren with him. I have been here 3 years and I am not going anywhere else. So I want to use some of the cash I can take from a loan to update the house and finish the 10% that remains incomplete. None of it is structural. Just finish work.
After receiving the email stating that, Mike the appraiser, had reported a drastic and untrue version of a house he did not walk into or actually conduct an appraisal regarding —his only reason for being there—I immediately shot short videos of me turning on every sink, the shower, and the toilet bowl and sent them by email to Ms Birchfield.
This whole deal is not just conversations with a few exaggerations. I am sending it to you guys for a reason. Things aren't just bad for foreclosures. The repeal of the Glass-Steagal Act of 1934 by Congress in 1999 deregulated all Wall Street normal bad acting and foreclosures, it is lending of all kinds. These guys have been refining their scheme for over 26 years now.
Both of these appraisers were working on the valuation of the home for a government agency loan. Both appraisers appear to have conspired to devalue the home for some unknown purpose or somehow I simply attracted two similarly strange individuals who did or did not know that they were costing me a great deal of money and unsettling my family life, drastically.
Regardless of how much they might be just knuckleheads they have done great harm to me and not just financially. They have also harmed my Business and family.
Both appraisers have caused me Injury In Fact and cost me valuable time and devalued the property in the eyes of Lender/Broker Longbridge and probably other Lenders I may present this to. If it is intentional, Longbridge has possibly been involved in collusion.
Maybe know one knows anything about right and wrong any more.
But, if you are reading this, I know that you have some idea.
It does not matter if it was for a criminal reason or a mistake of some kind. The damage is the same regardless of intention.
On Wednesday, July 8th, 2026 I am going to the Western District Court in Jefferson City Mo to file a federal complaint against both appraisers separately but for the same offenses.
They are Defamation of Character pursuant to 28 U.S.C. § 4101 - U.S. Code Title 28 ,
Wire fraud pursuant to 18 U.S.C. § 1343,
Interference of Interstate Commerce pursuant to "Interference with Commerce by Threats or Violence (commonly known as the Hobbs Act) is 18 U.S.C. § 1951.
As you already know, I will write it and I will file it myself. It will cost me nothing, but the filing fee, $405.
I don't actually see a way for Longbridge to make me whole. You guys don't move fast enough or care about your clients deeply enough to just finish the thing.
I am sending this to you now as a courtesy. I am probably going to add some participants. The appraisers were just the most obvious. They did it.
I would rather just have the loan. But, if I have to take on any more damage or nonsense, it goes in on the 8th.
You should have vetted me. Danny Hammond Boulevard Real Estate Consulting The Foreclosure Solutions Group Broker/Owner Kansas City, MO Lake of the Ozarks Since 1988 blvdre@gmail.com 816 985 4950
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