CG, that's what started the problems in the first place, the MAI appraisals.
MAI is a commercial appraisal designation, reflecting education, experience and quality. Unfortunately it was also the widely used acronym for "Made As Instructed" appraisals, what your lender was trying to do.
Concerning the latter, appraisals during the boom times actually increased the values of properties without merit. In many cases, appraisers were told to hit a mark $ and some were openly told (that's another story and several lawsuits later) that their continued referrals would be based on how well they cooperated and met the numbers the lender/seller was looking for. And yes, KB was accurate in that if the appraiser complains, the examiners will be looking extra hard.
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Integrity. With it, nothing else matters. Without it, nothing else matters.