06/29/2017 ISSUE 26

Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / June 29, 2017 51

says. “Start from the bottom with the rapher Bill Cunningham in the 1980s. with in her wardrobe – and when she to rethink how they’re putting it all to-
simple question of whether you’re “Bill was posted in front of Berg- shops it’s not about needing things gether,” she says.
more comfortable in a skirt or pants. any more, it’s about the fun of the
Say it’s pants, what kind of pants – dorf’s at least three times a week and hunt.” “None of these women is in hot
slim, cigarette, capri, wide-leg? High- I worked at a nearby restaurant. He pursuit of the latest and the great-
waisted or low-waisted? Then you would always take my picture be- But having great style is not about est. They know who they are and they
add a top. Every woman needs a white cause he loved how I dressed, and he shopping or worrying about trends. don’t need to get overwhelmed by all
blouse and a black turtleneck to start became a dear friend. He helped me the choice in the stores. Why would
her off. Once you have your version of to see my worth. He always beat to his “A lot of people, by the time they they? They have honed their eyes and
these staples in place, you can build own drum and he loved people who reach my age, have a wardrobe that can go directly to what’s ‘them.’” 
up your character from there.” did the same.” already works – they might just need

Tziporah’s own image may be a What the other 10 women in Tzi-
rainbow of Chinese embroideries, porah’s book have in common is that
bold jewelry and a variety of hats, their style principles are also their
but she is quick to point out that she’s own and have become a sort of uni-
not trying to encourage everyone to form. Michele Oka Doner, a 72-year-
dress as she does. Rather she wants old artist, has been wearing the same
her pupils to find their own style. column dress shape for 20 years.
“She’s had it copied by a tailor in dif-
“I always encourage them to take ferent fabrics and colors,” says Tzipo-
it up at least one notch,” she says. “If rah. “It works because it suits her and
you’re afraid of color, mix in one new she always knows she’s always going
shade, and then slowly build it up if to look elegant.”
you enjoy it. For some women, just
adding a pair of decorative earrings Having great style is not about
is a big accessories statement.” shopping or worrying about trends

Tziporah’s look is influenced by Carmen de Lavallade, 86, a former
many factors, honed since she re- principal dancer at the Metropoli-
turned to New York City in 1979, af- tan Opera, has a more dramatic look.
ter trying life as a hippy and studying “She likes to wear top-to-toe black or
psychology at Cal-Berkeley. She was red, and it gives her such a theatrical
born in Hadera, Israel, to a seamstress presence, which makes sense with her
mother and a tailor father, both Jewish background.”
Hungarians who survived concentra-
tion camps during the Holocaust by Other inspirational women in the
sewing Nazi uniforms. book include Ruth Shuman, who
founded an organization teaching
Although they were not well off arts in underachieving schools, and
when they arrived in Brooklyn, she 86-year-old Ziva Naumann, who
says she was always surrounded by runs a charity that provides low-in-
beautiful clothes and since a young come women with free legal advice.
age has loved embroidery. The former has a penchant for Prada
and pares down artsy prints from
She had two eureka moments when the label with classic black knit-
it came to discovering her own style: wear. The latter loves rich textiles,
the first being when a rabbi described and mostly wears embroidered kaf-
her joyous look as ‘Hod’ (representing tans.
splendor in the Jewish Kabbalah Tree
of Life); and the other when she first “Ziva only buys from the thrift
met the late New York Times photog- stores,” says Tziporah. “She has an
astounding mix of things to play







Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 55

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56 Vero Beach 32963 / June 29, 2017 Your Vero Beach Newsweekly ™

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 57

Vero & Casual Dining

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58 Vero Beach 32963 / June 29, 2017 Your Vero Beach Newsweekly ™

Vero & Casual Dining

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 59

PETS

Bonz learns Lhasa ’bout Tibet from Daisy Cookie

Hi Dog Buddies! was a total surprise! Cuz of my royal Matthew. I never found out
background, I knew right away how to
This week I had a very interesting be polite an behave. It’s my responsibil- who that was, but I had a blast
yap with a Pure Bred Lhasa Apso, Dai- ity to uphold the family’s reputation. We
sy Cookie Lim, who’s descended from moved to Florida when I was 8. Now I’m in the hotel. I’m pretty brave
royalty in Tibet, an has Papers. As we 10. Mom usta comb my hair out every
knocked, I was wondrin’ if she’d be day. It went all the way to the floor. You and laid back, but lightning
snooty cuzza being descended from roy- couldn’t even see my feet. I looked like a
alty an all. But she wasn’t. She was the fluffy hovercraft. But it’s way too hot for an fireworks scare the Woof
opposite of snooty. that here, so I get a nice short clip, ’cept
for my tail and ears. outta me. In Seattle, Dad’d
She was right there at the door all wag-
gy and frenly, with her Mom and a little Daisy’s Mom showed us Daisy’s folder put me an my Lambchop in
terrier-lookin’ pooch. of Important Papers. There was this se-
rious-looking chart with a buncha lines the car, in the garage, with
“Sà-wàt-dee kâ, Mr. Bonzo. I am Daisy that shows her family tree from wa-ay
Cookie Lim. This is my Mom Pam and back. “Lhasa is the capital of Tibet, and music playin’ when there was
my friend Chi. We’re havin’ a play date. Apso means ‘bearded.’ My Mom was
My Dad’s Albert. He’s workin’.” Kashi of Kathmandu and my Dad was a scary storm. Now I hide in
Makulu of Everest. Our ancestors served
Her hair was real silky, brown and the Buddhist monks. They were called the closet.”
black, long an wavy on her head, ears an Lion Dogs and they guarded the palace
tail, cropped short everywhere else. She and the temple of the Dalai Llama, a “Me, too,” I nodded. “Do
had a ponytail on top of her head, so she Very Important Job.”
could see out. “It’s a pleasure, Miss Lim,” you have any special outfits
I told her. “I didn’t quite get what you “Woof! Cool Dog Biscuits!” I ex-
said at first, though.” claimed. “So, got any pooch pals? Favor- or bandanas or anything?”
ite toys?”
She laughed and tossed her wavy ears. “Just one. For Halloween I
“Oh, I just said ‘Hello’ in Thai. My Mom “Oh, yes. All us neighborhood pooch-
taught me Thai, cuz she’s from Thailand. es know each other from our morning have a cool costume. It’s an
You can call me Daisy. My human sister walks. There’s Chi, of course (who was
Amanda named me after Daisy Buchan- snoozing under the table). Milo lives Iwok, from ‘Star Wars.’”
an in that book, ‘The Great Gatsby.’” down the street, he’s a Yorkie; Jake’s a
Labradoodle; Fin’s a Labrador; Cinna- “Oh, yeah, I remember
I nodded and tried to look like I hadda mon’s a Labrador, too; an Tessie, she’s a
clue. Already, I was intrigued. “I’m ea- Golden Retriever, lives right next door. I them. They look sorta like
ger to hear your story, Daisy,” I told her, go over and scratch on her door so she
opening my notebook. can come play. She hides her toys in her bear cubs.”
big bed, and I always find ’em and drag
She jumped onto the couch, stretched ’em out. My own favorite toy is Lamb- Daisy’s Mom went out
out, and crossed her paws gracefully. “I chop. I’ve had a few over the years. I’ll
was born in Seattle. That’s way up in show you.” again, and came back with
the other corner. My Mom had had a
Lhasa Apso in college whose name was She raced off and came back with a the Iwok costume. She put Daisy Cookie, the Lhasa Apso. PHOTO BY BENJAMIN THACKER
Cookie, so my middle name’s for her. big Lambchop. “I sleep with Lambchop,” it on Daisy, and I burst out
My human sisters, Amanda and Jordan she said. “I snooze on it for a road trip,
(mostly Amanda), had been wanting an like when we drove here from Seattle. I laughing. “Oh, for Lassie’s Sake,
wanting a dog. Finally, Mom decided love road trips. Dad made me a special
The Time Was Right. So she got ME. platform so I can see out. One time we it’s Perfect! You totally look like an Iwok!” Daisy sat right up on her caboose with
I was 8 weeks old. When Amanda got drove to Clearwater cuz we hadda eVAC-
home from high school that day, there uate, on account of somebody called “I KNOW!” Daisy said. “Isn’t it Paw- front paws waving. She and Chi both
I was, in all my fluffy adorable-ness! It
some?” got a treat. “I gezz I jus neebud uh libble

It was. “I see you have a nice pool.” mo-duh-BAY-shud,” she said, as she

“Yes, but I don’t like to swim in it. I’m munched.

not a fan of baths, either, but I do like Heading home, I was thinkin’ about

splashin’ in the ocean, right by the shore. all the intresting stuff Daisy knows.

But after, Dad says I gotta have a shower, I made a note to Google Tibet an that

cuz of the sand. I get all droopy, but I feel llama named dolly, oh, an also that

better when I’m sand-free.” Gatsby book. It’s fun learnin’ new stuff,

Daisy’s Mom had gone to the kitch- doncha think?

en, and returned with A Bag of Treats.

She shook it and said to Daisy, “Ma Till next time,
The Bonz
dong nee.”
Daisy cocked her head and didn’t Don’t Be Shy

move. “I’m just not feelin’ it, you know?” We are always looking for pets
she said to me. with interesting stories.

Her Mom repeated, “Ma dong nee.”
Daisy just sat there. Then Chi popped off

the mat, trotted over to Daisy’s Mom and

sat hopefully, ears up. In a flash, Daisy To set up an interview, email
was right there next to him. Her Mom [email protected].
held up a treat and said, “Why gon.”









64 Vero Beach 32963 / June 29, 2017 Your Vero Beach Newsweekly ™

REAL ESTATE

Ocean Park penthouse offers
unparalleled elegance in
an ideal location

BY SAMANTHA ROHLFING BAITA playing the palest of sand hues. The
Staff Writer lofty ceilings and elegant curves and
angles of the open interior design cre-
The 2-story penthouse at Ocean ate an unimpeded flow and a feeling
Park Condo, adjacent to Humiston of endless space and light.
Park on Ocean Drive is, in a word,
breathtaking. At an impressive 5,600 A “media room,” (with access to
square feet of living space under air, the 54-foot covered lanai that wraps
it is, says broker Michael Thorpe, the around the northeast corner) could
largest oceanfront condo on the mar- easily be set up for any number of uses
ket in Vero Beach, more spacious than – as an office, library, study or home
many oceanfront homes. theater. From here, a pair of short hall-
ways provide shelf space and lead into
The crown jewel of the luxury con- the cozy family room, anchored by a
do complex on the ocean at the east large gas fireplace with striking black
end of Easter Lily Lane offers the fin- onyx and cream wood surround.
est materials and finishes through-
out, exquisite design and workman- A conveniently located powder
ship along with fabulous ocean views room features a curved, dark-wood
in the heart of Vero’s charming vil- vanity and ceramic Talavera basin,
lage by the sea. hand-painted in a raspberry, gold
and orange petal design. Absolutely
A towering turret on the northeast delightful.
corner encompasses two spectacu-
lar circular rooms, the living room It is at this point that one gets the
on the first level and the magnificent full impact of the home’s spacious-
master bedroom on the second, both ness, as it opens into a stunning
with tall banks of windows, which of- circular room with beautiful soar-
fer incomparable panoramic views of ing ceiling – concentric circles that
descend from the center. Recessed
swaying palms, golden beach and the lighting rings the inside circle, bath-
sparkling Atlantic. ing the room in a soft glow, and a wall
of windows provides a panoramic
Mahogany front doors open to the view of beach, ocean and endless sky.
Ocean Park foyer, with its wainscot- Here’s where you’ll want to sink into
ing, lofty coffered ceilings and seat- a comfy chair or sofa, relax with a bit
ing niches, an elegant promise of of refreshment, and share the mag-
what’s to come. A spacious private el- nificent space and dazzling front-row
evator delivers you to the penthouse view with family or friends. This is
foyer with its marble floors, stunning destined to become everybody’s fa-
open wrought iron and wood banis- vorite spot.
ter staircase and the gorgeous crown
molding, coffered ceilings and other But, with the very flexible floor
elaborate, custom millwork that ex- plan, even this space could be re-
tends throughout the home. purposed into a magnificent dining
room, although the meal might grow
Walls and ceilings are white cold while the diners gaze out the
throughout, with the glowing Satur- windows.
nia floors on the first level and soft
wool carpeting in the bedrooms dis- From here, across a curved, cus-
tom black granite bar with cabinet

Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 65

REAL ESTATE

storage, is another versatile room,
currently staged, and well suited, as
a lovely dining room, with plenty of
space, its own ocean view and easy
access to the kitchen.

And what a kitchen it is, certainly
a place that will encourage culinary
creativity. The cabinetry is artfully
designed, in pale hues with lovely,
subtle detail. Appliances are all pro-
fessional, chef-grade stainless, Kitch-
enAid and Thermador. A long break-
fast bar backs the sink counter, which
faces east, providing a pleasant ocean
view for whoever’s on KP duty.

The island is walnut in a unique
sand shade, and features a black
granite top, shelves and wrap-around
glass-front cabinets. The kitchen is
pleasantly illuminated by over-and
under-cabinet recessed lighting, and
there is a nice, roomy pantry.

Behind the kitchen is a designated
“wine room,” with plumbing in place
for that use. But, again, this gener-
ous area could easily be re-purposed,
perhaps for additional pantry space
or even an exercise area. (There’s
plenty of room for a treadmill.)

Entertaining for gatherings large or
small will be a breeze, with so much
space inside and out on the wide,
wrap-around lanai. The sparkling
rooftop pool is another appealing
option for residents and guests. If
the host doesn’t feel like preparing
a meal, many of Vero’s finest restau-
rants are only a block or two away.

In addition to the grand staircase,
the second level can also be reached
via private elevator. On this level, the
artistry of the dramatic, soaring ceil-
ings and amazing custom millwork
continues to astound.

One enters the elegant master suite
through handcrafted double doors.
The master bedroom is the second
circular turret room, an unparalleled
retreat from which you can awake
to the sound of the surf – or let it lull
you to sleep. You need only raise your
head from the pillow to enjoy sunrise
over the ocean.

This luxurious hide-away pampers
you with two large, walk-in dressing

66 Vero Beach 32963 / June 29, 2017 Your Vero Beach Newsweekly ™

REAL ESTATE

rooms. There is a private wet bar with
mini fridge and ice-maker.

Further pampering is provided in
the master bath, a spacious spa-like
retreat with separate water closets,
including a bidet; a sumptuous air-
jetted tub; separate twin vanities; and
a gorgeous glass Roman shower with
super ocean views.

The two guest suites on this level
offer their own great views – of the
ocean and pretty park – and have
roomy walk-in closets and en suite
bathrooms, featuring glass showers
with lovely, delicate mosaic tile work.

The laundry room is just down the
hall and includes sink, Electrolux
washer and dryer, lots of upper and
lower cabinetry and, even in this util-
itarian space, crown molding.

Completely hidden from Ocean
Drive is the impeccably landscaped
brick paver courtyard, accessing the
private 2-car garage, from which the el-
evator whisks you up to your residence.

Further enhancing the appeal of
this gorgeous residence is its loca-
tion. The homeowners will enjoy the
best of both worlds: the quiet and se-
clusion of your own private enclave,
smack in the midst of the action and
energy of Ocean Drive, right out-
side your door. You are literally only
a stroll away from dozens of quaint

Gorgeous 3 bedroom, 2.5 bath custom home with over 2,700 sq. ft. under air

$769,575

561.568.4848 GHOHOMES.COM

Prices and specifications are subject to change without notice. Oral representation cannot be relied upon as correctly stated representations of the developer.
For correct representations, make reference to this advertisement and to the documents required by section 718.503, Florida Statutes, to be furnished by a developer to a buyer or lessee.

Images displayed may not be the actual property for sale, but may be model or other homes built of similar design.

Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 67

REAL ESTATE

shops and both fine-dining and ca- ute, or they might pop over to Kilwin’s
sual restaurants. for an ice cream. Enjoy the colorful
milieu along Ocean Drive to your
The buyer of this amazing pent- hearts content, then close your door
house will be the very first to enjoy and you’re back in your own private,
all it has to offer. Whether as a sec- quiet haven once more.
ond home, a retirement home or an
active-family-with kids residence, it This penthouse showplace is the
is sure to meet and exceed expecta- Grand Dame of Vero’s luxury condo
tions. living. There’s nothing like it, and its
available now at a recently – and sig-
Escape the city and jet in to Vero’s nificantly – reduced price. It’s decora-
airport for a quick tropical get-away; tor-ready and the staged furniture is
the kids or grandkids can be in Hum- negotiable. 
iston Park or on the beach in a min-

VITAL STATISTICS
1010 EASTER LILY LANE, NO 204

Subdivision: Ocean Park
Year built: 2010, like new, never lived in • Construction: concrete block

Penthouse size: 5,600 square feet under air
Bedrooms: 3 • Bathrooms: 3.5

Additional features: Private elevator; private entry hallway; commercial
grade back-up generator; storm shutters and impact-resistant doors and

windows; exclusive, rooftop pool for condo residents/guests; manager
on site 5 days a week; security system; fire sprinklers throughout; Satur-

nia marble/Brazilian hardwood floors; 2-car garage; recessed lighting
throughout

Listing agency: Treasure Coast Sotheby’s International Realty
Listing agents: Michael Thorpe and Kimberly Thorpe,
772-532-0449/772-532-5233
Listing price: Just reduced by $500,000 to $2,995,000

68 Vero Beach 32963 / June 29, 2017 Your Vero Beach Newsweekly ™

REAL ESTATE

Real Estate Sales on the Barrier Island: June 16 to June 22

The barrier island real estate market slowed a bit last week with 8 transactions recorded, including two for
more than $1 million.

The top sale of the week was of a home in the Shorelands with more than 260 feet of river frontage. The
residence at 1365 Shorelands Drive North was placed on the market Aug. 2, 2016, for $2.795 million. The
price was subsequently changed to $2.3 million. The sale closed on June 16 for $2 million.

The seller in the transaction was represented by Matilde Sorensen of Dale Sorensen Real Estate. The
purchaser was represented by Susie Perticone, also of Dale Sorensen Real Estate.

SINGLE-FAMILY RESIDENCES AND LOTS

SUBDIVISION ADDRESS LISTED ORIGINAL MOST RECENT SOLD SELLING
ASKING PRICE ASKING PRICE PRICE
$585,000
$609,000 $1,795,000
SMUGGLERS COVE 1515 SMUGGLERS COVE 1/19/2017 $2,455,000 $609,000 6/21/2017 $432,000
ANCHOR THE MOORINGS 132 ANCHOR DRIVE 12/5/2015 $498,000 $1,900,000 6/21/2017 $630,000
$685,000
FLORALTON BEACH 856 LIVE OAK LANE 5/24/2017 $498,000 6/20/2017 $177,000
$360,000
SEASONS 2058 INDIAN SUMMER LANE 2/16/2017 $649,950 6/19/2017 $449,000
$230,000
TOWNHOMES, VILLAS, CONDOS, MULTIFAMILY AND INVESTMENT $230,000

VISTA DEL MAR 5400 HIGHWAY A1A, #H27 5/5/2017 $189,000 $189,000 6/20/2017
SEA OAKS 8830 S SEA OAKS WAY, #101 6/19/2017 $364,000 $364,000 6/19/2017
NOR’WEST PASSAGE 901 BAY ROAD, #102 7/19/2016 $565,000 $490,000 6/19/2017
VISTA DEL MAR 5400 HIGHWAY A1A, #G10 7/24/2015 $335,000 $275,000 6/14/2017
CORALSTONE CONDO 1523 CORAL OAK LANE, #0 2/14/2017 $285,000 $260,000 6/13/2017

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 69

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Smugglers Cove, Address: 1515 Smugglers Cove Subdivision: Anchor The Moorings, Address: 132 Anchor Drive

Listing Date: 1/19/2017 Listing Date: 12/5/2015
Original Price: $609,000 Original Price: $2,455,000
Recent Price: $609,000 Recent Price: $1,900,000
Sold: 6/21/2017 Sold: 6/21/2017
Selling Price: $585,000 Selling Price: $1,795,000
Listing Agent: Jim Haigney Listing Agent: Linda Schlitt Gonzalez

Selling Agent: Berkshire Hathaway Florida Selling Agent: Coldwell Banker Paradise

Cheryl Gerstner Jonathan Arsenault

Alex MacWilliam, Inc. Treasure Coast Sotheby’s Intl

Subdivision: Floralton Beach, Address: 856 Live Oak Lane Subdivision: Nor’west Passage, Address: 901 Bay Road, #102

Listing Date: 5/24/2017 Listing Date: 7/19/2016
Original Price: $498,000 Original Price: $565,000
Recent Price: $498,000 Recent Price: $490,000
Sold: 6/20/2017 Sold: 6/19/2017
Selling Price: $432,000 Selling Price: $449,000
Listing Agent: Sally Woods Listing Agent: Judy Hargarten

Selling Agent: Dale Sorensen Real Estate Inc. Selling Agent: The Moorings Realty Sales Co.

Michele Ritchie Judy Hargarten

Alex MacWilliam, Inc. The Moorings Realty Sales Co.

SallyWoods
PROFESSIONALISM
I N T E G R I T Y ~ R E S U LT S

RIVER CLUB FLORALTON BEACH THE SHORES

Luxurious lakefront 4BR/3.5BA courtyard pool home on East of A1A! 2BR/2.5BA home with split bedroom floor plan Beautiful lakefront building lot in the picturesque gated
prime corner lot, beautiful water views, gated community and large fenced rear yard, CBS construction, pool/spa enclave of estate homes, over ½ acre with a fabulous view
Last Asking Price $498,000
$899,000 $310,000

Y our satisfaction is my highest goal, real estate is a lasting relationship.

direct 772.492.5333 | cell 772.538.1861 | [email protected] | www.sallywoods.com

70 Vero Beach 32963 / June 29, 2017 Your Vero Beach Newsweekly ™

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Seasons, Address: 2058 Indian Summer Lane Subdivision: Sea Oaks, Address: 8830 S Sea Oaks Way, #101

Listing Date: 2/16/2017 Listing Date: 6/19/2017
Original Price: $685,000 Original Price: $364,000
Recent Price: $649,950 Recent Price: $364,000
Sold: 6/19/2017 Sold: 6/19/2017
Selling Price: $630,000 Selling Price: $360,000
Listing Agent: Randy Horowitz Listing Agent: Fran Smyrk

Selling Agent: Real Living All Florida Realty Selling Agent: Treasure Coast Sotheby’s Intl

Linda Riley Chris Junker

Treasure Coast Sotheby’s Intl RE/MAX Crown Realty

Subdivision: Vista Del Mar, Address: 5400 Highway A1A, #G10 Subdivision: Coralstone Condo, Address: 1523 Coral Oak Lane, #0

Listing Date: 7/24/2015 Listing Date: 2/14/2017
Original Price: $335,000 Original Price: $285,000
Recent Price: $275,000 Recent Price: $260,000
Sold: 6/14/2017 Sold: 6/13/2017
Selling Price: $230,000 Selling Price: $230,000
Listing Agent: Walter Davis Listing Agent: Janice Beth Jolly

Selling Agent: Dale Sorensen Real Estate Inc. Selling Agent: Dale Sorensen Real Estate Inc.

Elaine Amy Janice Beth Jolly

Phoenix Acquisitions, Inc. Dale Sorensen Real Estate Inc.

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / June 29, 2017 71

REAL ESTATE

Jury out on Fannie and Freddie’s no-appraisal loans

BY KENNETH R. HARNEY homes and are not pulling out cash. saves money. Roughly 12 percent of ever, appraisers argue that they have
Washington Post Fannie Mae, the other government- loanDepot’s refinancings through a legitimate, continuing role. There
Fannie Mae already are proceeding is simply no technological substitute
Do we always need an appraiser supervised financing giant, has been appraisal-free, Norris told me. for what they bring to the table: eyes,
to tell us what a house is worth? The quietly offering no-appraisal refi- ears, noses and the ability to inde-
country’s two biggest sources of mort- nancing for months. “Consumers definitely appreciate pendently analyze a home, its inte-
gage financing – Freddie Mac and Fan- it,” he added. There’s “more cash in rior, the neighborhood environment
nie Mae – think not. Both companies emphasize that their pockets,” and the total experi- and market conditions, and arrive at
they permit waivers of appraisals ence is better. an accurate opinion of a property’s
With no formal public announce- only when they have substantial data worth. Computer programs may be
ment, Freddie Mac on June 19 began on the property involved and the lo- Pete Mills, a senior vice president jampacked with data and algorithms,
phasing in its plan to transition to cal real estate market. at the Mortgage Bankers Associa- but they have no clue about what
appraisal-free mortgages for certain tion, also welcomed the appraisal- damage – or improvements – may be
loan applications. Although the pro- Fannie says it has a database of more free concept. “If there is a way to use present inside a house.
gram is limited initially to some refi- than 23 million appraisal reports and technology to streamline or automate
nancings, Freddie expects to expand uses “proprietary analytics” to come the process while ensuring the same “I’ve walked into five-year-old
the concept to home purchases in the up with value estimates. Unlike Fred- standards of accuracy are met,” he houses that are in such bad shape that
coming months. die Mac, Fannie Mae has not indicated said, “it would benefit both lenders they look like they haven’t been main-
whether it plans to expand its “proper- and consumers and should be pur- tained for 25 years,” says Pat Turner,
Under the program, borrowers no ty inspection waiver” concept to loans sued.” Nonetheless, loan applicants an appraiser in Richmond. Eliminat-
longer will have to pay hundreds of for home purchases, although indus- should retain the right to request a ing appraisals is “a throwback” to
dollars for a professional appraisal – try sources say they expect it. full, walk-through appraisal if they the disastrous practices of subprime
a reversal of long-standing mortgage- want one, Mills added. lenders during the housing boom and
industry practice. Mortgage lenders generally are bust, he said. “This is a return to no-
enthusiastic about the moves. Dave Not surprisingly, appraisers view doc and low-doc on steroids.”
There will be no traditional ap- Norris, chief revenue officer of the trend as an impending nightmare
praisal charges at closing, and lenders loanDepot, one of the highest-volume – potentially sending them to the fate Carl S. Schneider, an appraiser in
no longer will be required to assume retail lenders in the country, says of buggy-whip manufacturers, travel Tulsa, says the path Fannie and Fred-
responsibility for the accuracy of “leveraging technology” to arrive at agents and others whose industries die are on is “fraught with danger,” not
home valuations. As of now, the pro- property valuations “gives consum- have been decimated by new tech- only for banks but also for the taxpay-
gram is limited to refi applicants who ers certainty” about the status of their nologies. Unlike makers of buggy ers who may have to bail them out. 
have at least 20 percent equity in their application upfront, sharply reduces whips in an age of automobiles, how-
the time needed to get to closing, and