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.the value of your house. From the Washington Post:

.the value of your house. From the Washington Post:

 

"We have cases where houses are being appraised at less than the cost to build them," Howard said. "People are just being really, really conservative."

Some housing industry insiders also say that the appraisal process has become more complicated since the implementation of a new set of rules, known as the Home Valuation Code of Conduct, in May. The rules, put in place by Fannie Mae and Freddie Mac, aim to shield appraisers from pressure to submit a desired estimate of a home's value to hasten its sale.