Hybrid appraisals are no more than a collective attempt by the AMC's and their trade group REVAA to gain even greater control over the nations appraisal assignments i.e. profits by now dividing the steps in the appraisal process. They control who gets the majority of the orders, they control the fees (don't let them fool you the lender does not) and now they want to "pick" who completes the inspection (boy, this will free up a lot of time for their staff appraisers). Some AMC's are even "picking " the comps !  This is about control make no mistake about it. They have no concern over quality or what is in the best interest of the consumer. Exactly how is it better for the consumer for an individual with very little training or experience to inspect the property over someone with decades in the field and years of training ? How is it better for the consumer and for the financial system for the appraiser to NOT see the property ? I am an appraiser.  I am also a consumer.  I have purchased, sold, and refinanced many properties over the years and not once has the closing of the loan been delayed due to a late appraisal submission OR the lack of ( shortage ) a qualified appraiser to do the job. In fact, the appraisal is usually mailed to me weeks before the closing. Delays have either been the fault of the lending institution OR my own because I did not submit the required documentation in a timely manner.  Lets step back and look at the big picture. We all know what this is about.