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I’m Forever Bursting Bubbles

I hate when I have to disappoint my clients.  I also resent people who speak without authority and who make themselves seem more important than they truly are.  Hatred & resentment recently intersected in this e-mail exchange:

From: Client
Subject: Good News!!!!

The bank appraiser seemed to think that there would be no problem w/ our house qualifying.  He has to go home and do his comps but he said that he felt that the report would be ready by this Friday and we can push for a closing date.  Yahoooooo! 

From:  Real Lawyer

Re:  Semi-Good News!

Sorry to be the bubble buster, but appraisers are independent contractors who have zero to say about a loan's approval. The appraisal is just one part of a loan application--income, assets, likelihood of continued employment, credit history--all are part of the equation.

The appraiser had neither the authority nor the right to speak, and yet I am apologizing for him.  

I still have my fingers crossed!

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