My name is CHRISTOPHER BRUNING, and I am a recent victim of Texas residential appraisal, mortgage and lending fraud.
After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas Appraisal & Licensing Board, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the TREC & TALCB agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners.
The Douglas Oldmixon, TREC & TALCB are complicit in acts of moral turpitude by their lack of USPAP federal guideline enforcement that are within the scope of influence and this tax payer funded state agency.
I have attempted to bring transparency to the injustices committed from the TREC & TALCB state enforcement agency that fails to discipline violators of the USPAP federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization.
The TREC & TALCB employ extensive measures to inform consumers of the “value” of employing an appraiser and the guidelines that must be followed when purchasing a residential property. The federally established Appraisal Subcommittee is charged with overseeing state compliance. According to law:
“Federal law dictates that in real estate loans of $250,000 or more, a lender must use an appraiser to determine the value of a home. That’s because an appraiser provides the most thoughtful opinion of value based on thorough and unbiased research that reflects the fair market value of a property. An appraiser is trained to assess a wide range of factors that affect a home’s value, including its size, location, condition, age, quality, and more. Appraisers assess these factors in relation to recent sales of comparable properties to arrive at an opinion of value.”
An individual that purchases a property and engages the Homestead Act for tax relief is not the profile of a home buyer that would intentionally sell their residential property after only two years. This effectively allows the appraisal predator to hide “undiscoverable” damages until well after the unsuspecting homesteader discovers the damage when the two year statute of limitations expires. Following a judicial state ruling does not negate the act of negligence itself, and by not enforcing a proper level of care upon the licensed state agents Douglas Oldmixon, TREC & TALCB become liable for the very erosion in confidence and integrity the organization represents.
On a national level, The Appraisal Subcommittee does not support negligent appraisers that hide behind contract of duty and the statute of limitations. However it is essential to provide this board with transparency when it comes to USPAP violation complaints by TREC, the TALCB. Non-Disciplinary action with enforcement that results in less than what a moving violation on a US Highway would cost an offender of state laws is questionable at the very least. Douglas Oldmixon, TREC & the TALCB organization authorizes millions of dollars to be stolen over time from unsuspecting homesteaders and violators in this agency receive mentoring and a Non-Disciplinary letter in the mail. The attitude that runs rampant throughout the appraisal industry is a Webster definition of an example of a lack of moral turpitude.
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the TALCB & TREC agency as well as the performance of Executive Director Douglas Oldmixon to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas.
Texas Real Estate Commission Reviews
My name is CHRISTOPHER BRUNING, and I am a recent victim of Texas residential appraisal, mortgage and lending fraud.
After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas Appraisal & Licensing Board, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the TREC & TALCB agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners.
The Douglas Oldmixon, TREC & TALCB are complicit in acts of moral turpitude by their lack of USPAP federal guideline enforcement that are within the scope of influence and this tax payer funded state agency.
I have attempted to bring transparency to the injustices committed from the TREC & TALCB state enforcement agency that fails to discipline violators of the USPAP federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization.
The TREC & TALCB employ extensive measures to inform consumers of the “value” of employing an appraiser and the guidelines that must be followed when purchasing a residential property. The federally established Appraisal Subcommittee is charged with overseeing state compliance. According to law:
“Federal law dictates that in real estate loans of $250,000 or more, a lender must use an appraiser to determine the value of a home. That’s because an appraiser provides the most thoughtful opinion of value based on thorough and unbiased research that reflects the fair market value of a property. An appraiser is trained to assess a wide range of factors that affect a home’s value, including its size, location, condition, age, quality, and more. Appraisers assess these factors in relation to recent sales of comparable properties to arrive at an opinion of value.”
An individual that purchases a property and engages the Homestead Act for tax relief is not the profile of a home buyer that would intentionally sell their residential property after only two years. This effectively allows the appraisal predator to hide “undiscoverable” damages until well after the unsuspecting homesteader discovers the damage when the two year statute of limitations expires. Following a judicial state ruling does not negate the act of negligence itself, and by not enforcing a proper level of care upon the licensed state agents Douglas Oldmixon, TREC & TALCB become liable for the very erosion in confidence and integrity the organization represents.
On a national level, The Appraisal Subcommittee does not support negligent appraisers that hide behind contract of duty and the statute of limitations. However it is essential to provide this board with transparency when it comes to USPAP violation complaints by TREC, the TALCB. Non-Disciplinary action with enforcement that results in less than what a moving violation on a US Highway would cost an offender of state laws is questionable at the very least. Douglas Oldmixon, TREC & the TALCB organization authorizes millions of dollars to be stolen over time from unsuspecting homesteaders and violators in this agency receive mentoring and a Non-Disciplinary letter in the mail. The attitude that runs rampant throughout the appraisal industry is a Webster definition of an example of a lack of moral turpitude.
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the TALCB & TREC agency as well as the performance of Executive Director Douglas Oldmixon to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas.