After twice delaying the implementation date of its stricter new appraisal policies, the Department of Housing and Urban Development went ahead with the Feb. 15 start of its guidelines, similar to the Home Valuation Code of Conduct used by Fannie Mae and Freddie Mac. Mortgagee Letters 2009-28 and 2009-51 outline the changes, which prohibit mortgage brokers and commission-based lender staff from...