It's been a minute since we sat down with Mortgage Guru Bill Payne and he brought a friend to the party. Jay McGinnis of McGinnis Appraisals joins the conversation to discuss the real do's and don'ts of Appraisals and gives us a behind the scenes look at his process. If you're a real estate agent who's dealing with appraisal discrepancies in this Wild West of a housing market, tune in, Jay and Bill break it all down.