Here it is already 2010, thankful 2009 is over and I am already worried. FHA is implementing alot of HVCC rules effective 2/15/2010. I think there are alot of benefits from this and at the same time I know my fees are going to be slashed. I just had 2 new orders last week from 2 new AMC's and I am too embarrassed to tell you the fee they are paying me. It definately doesn't motivate me but what else are you going to do when work is slow and you don't know when the next order is coming in. I attended a USPAP class yesterday that just made me realize there is not alot of room for error. The appraisal board is punishing and sending out fines constantly for errors in reports that the client wants "yesterday". Appraisers are professionals and sometimes I don't think we are treated that way. All the work that goes into one appraisal and all the paperwork can get overwhelming especially when your fee was just cut in half. I am very fond of the idea of a firewall and the idea of no pressure and no talk of value excites me. The market is still declining since last year. Alot more listings, seems like more foreclosures, are hitting the market and I just hope there are buyers out there and lenders. The market is constantly changing so hopefully this year will stabilize and all us in the real estate market can hang in there!