The home and valuation code of conduct legislation will allow mortgage giants to use computer automated property valuation systems, eliminating human element and expertise from the appraisal process.  Computer systems can't see improvements made on one property versus another, so basic comparative sales figures will be the primary driver of the automated calculations, a very unfair and unrealistic method. At http://www.99strategies.com/ learned how to combat the new HVCC legislation that could control real estate appraisals and render every homeowner upgrade, renovation and popular external attraction, like waterfront properties, obsolete