Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX/XXXX/XXXX XXXX XXXX was hired and paid specifically to supply a " Retro-Active Appraisal '' and " Appraisal Review '' to support or deny XXXX guideline compliance in the XXXX residential appraisal from XXXX. All " Retro-Active '' and " Appraisal Review '' assignments given to XXXX and acknowledged in his " Scope of Work '' were specifically related to activity that occurred in the XXXX XXXX appraisal. 
Statements provided by XXXX in his " Scope of Work '' were known to be used for the purposes of possible litigation and these statements required supporting evidence to confirm or deny XXXX compliance in the XXXX XXXX appraisal. Further evidence of XXXX 's knowledge of the use for his " Scope of Work '' for civil litigation purposes can be found in a deposition conducted on XXXX/XXXX/XXXX where XXXX states the following : Q. Now, you state in the appraisal that this appraisal is also intended for litigation, correct? 
A. Correct. 
Q. What does that mean? 
A. That means in case we have to do a deposition or something, that 's what it 's going to be used for. It 's not for mortgage lending purposes, not for valorem tax purposes, it 's not for other purposes. It 's for litigation purposes. 
XXXX states he is fully aware of the magnitude and necessity for accuracy in his report to support a possible civil claim when he states " The purpose of this report is to present the data and reasoning the appraiser has used to form an opinion as the market value of the subject property as of the effective date. The use of the report is for litigation. " XXXX also states in his scope of work that " The size of the comparable sales data is generally taken from the Appraisal District 's data. " Before even considering the " For Sale by Owner '' home for purchase in XXXX, I conducted due diligence on the subject property by researching information in the XXXX Appraisal XXXX ). Attached is a copy of the XXXX Account Detail ( XXXX ) dated XXXX/XXXX/XXXX. When conducting due diligence on the subject property, the attached XXXX XXXX public record document was utilized to make a fair market offer to the sellers of {$250000.00} based on the XXXX XXXX market tax valuation of {$240000.00}. 
XXXX committed negligence that forever complicated the recovery of my civil petition when he failed to confirm the lack of discrepancies in the public record for the purposes of establishing " discovery '' for my civil claim against the appraisers that conducted the negligent appraisal in XXXX. XXXX negligently misrepresented and supplied evidence without supporting facts or documentation when he supplied XXXX documents to support a conclusion as to what was the subject property description in the XXXX XXXX public record. 
The XXXX Appraisal Review negligently errs by stating in the " IMPROVEMENTS '' section of his brief that the " Square footage of living area, as shown, includes XXXX square foot Bonus Room addition to the XXXX square foot house reported as XXXX bedroom. '' XXXX continues to err when he states that " It is also noted the Appraisal District shows the XXXX square footage as separate area, reporting the XXXX square feet in the house and XXXX square feet Room Addition. '' This information is from the XXXX XXXX XXXX, not the appropriate XXXX XXXX XXXX. 
This statement IMMEDIATELY puts credibility issues into the reports provided by XXXX. 
XXXX states that " The appraisal reports tax data was used to determine the subject site value in the Cost Approach, '' indicating that both XXXX XXXX XXXX and XXXX should have utilized this same attached XXXX XXXX report when issuing their appraisals and appraisal reviews.