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Racist Home Appraiser Lowballs Black Man's Home. Then This Happens. - YouTube
Channel: SoulSnack
[0]
(upbeat music)
- Is he a rapper?
[2]
- Hey Larry, you're still here?
[4]
- No, I'm leaving now.
[6]
- But you went from 1.5
million to $300,000.
[11]
Man, what is taking him so long?
[15]
The guy is at our house waiting for us.
[25]
(phone vibrates)
[27]
- Hello.
[28]
- Hello, Larry?
[29]
- Yes, this is Larry.
[31]
- Hey, this is John.
[33]
I'm the owner of the house
[33]
that you're gonna be appraising today.
[35]
- Oh, hi, John.
[37]
Nice to meet you.
[38]
I just got here a minute ago
[40]
and I'm standing on your front lawn.
[41]
I was about to knock on your door.
[43]
- Yeah, that's why I'm calling.
[47]
I'm running a little bit late.
[49]
I'm still waiting to pick
up my son from school.
[52]
- That's all right, John.
[53]
Do you want me to just wait
my car until you get here?
[56]
- Tell you what,
[57]
how about you start the
appraisal without me?
[58]
- Okay, I guess I can do that.
[60]
If you don't mind having
a complete stranger
[63]
walking through your house.
[65]
- Oh no, I don't mind at all.
[69]
I'm trying to get this house appraised
[71]
so I can get this bank equity
loan as soon as possible
[73]
and I don't want any more delays.
[75]
- Okay. So how do I get inside?
[78]
- Okay. If you go to the side of the house
[80]
you're gonna see a double glass door.
[83]
You enter through there.
[84]
- Okay. I'll get started on it then.
[86]
(laughs)
- All right, thanks.
[87]
Hey, let me ask you something,
[89]
around how long is this
appraisal gonna take?
[93]
- Ah, a house this size
probably 30 to 40 minutes or so.
[99]
- Yeah, hopefully I should
be back home by then.
[103]
- If I'm done with the
appraisal before you get back,
[105]
I'll call you, how's that?
[106]
- Okay. I will talk to you later then.
[109]
- Okay, bye.
[110]
- All right, bye Larry.
[121]
- Hi dad.
[122]
- Hey son. How was school?
[123]
- It was fine.
[125]
- What took so long?
[126]
- Sorry, I had to do some
math after class today.
[130]
- Okay. Well, we have an
appraiser at our house,
[133]
so we have to go home right now, okay?
[135]
- Okay dad.
[138]
(upbeat music)
[156]
- Hey John, Larry here.
[158]
- Hey Larry.
[159]
Yeah. I'm about five minutes away.
[161]
- Well, actually I just finished
[163]
and I'm on my way out.
[165]
- Oh, okay.
[167]
So what are the numbers look like?
[169]
- Based on house size and condition
[173]
and the lot size and the neighborhood
[176]
I think you're looking
at about $1.5 billion.
[179]
This is a really nice house.
[182]
- Wow. That much, huh?
[183]
I thought it would be like 1.3 or so.
[186]
- Yeah. The values in this neighborhood
[188]
have really popped lately.
[190]
You did well on this house.
[192]
Anyway, I'll get the
final appraisal documents
[196]
to you in your mail in
the next couple of days.
[199]
- Okay. I look forward to those.
[202]
- Okay. I'll walk out
the same way I came in.
[204]
- All right. Thank you Larry, bye.
[207]
1.5 million.
(John laughs)
[217]
- Really? This can't be.
[225]
Oh, no, no, no, no, no.
[228]
Is he a rapper?
(Larry sighs)
[236]
- Hey Larry. You still here?
[237]
- No, I'm leaving now.
[241]
- Hey, what's gotten into him?
[244]
He was so nice just a minute ago.
[245]
- He doesn't look so nice to me now.
[249]
- Come on.
[252]
(ambient music)
[256]
(paper tearing)
[286]
(phone vibrating)
[288]
- Hello.
[289]
- Hey Larry.
[290]
- Hey John, how are you?
[291]
- I'm fine. I just went over
the the appraisal numbers
[300]
and this is nothing like what you told me
[303]
when you were here.
[304]
- What do you mean?
[305]
- Well, you told me that the
appraisal was for 1.5 million
[309]
and your official appraisal is 300,000.
[313]
(scoffs)
- Oh, okay.
[315]
I see why you're confused.
[317]
When I left your house the other day,
[319]
I realized that based
on the area you live in
[323]
that it's really only worth $300,000.
[327]
- Larry, how do you go from
1.5 million down to 300,000?
[336]
That's impossible, Larry.
[339]
I mean, I get it.
[340]
You're off by a few thousand dollars,
[342]
but you went from 1.5 million to $300,000.
[347]
That's like a quarter of the
initial value that you gave me.
[351]
- Actually, that's wrong dad,
[353]
$300,000 is one fifth of one
and a half million dollars.
[360]
I learned that today in math class.
[366]
- You know what Larry?
[367]
My son just corrected me.
[369]
It's one fifth of the
amount that you gave me,
[373]
please explain.
[375]
- Don't kill the messenger.
[377]
I'm basing my numbers on the market.
[380]
- Larry, excuse my language son.
[383]
You know damn well that this
house is worth $1.5 million.
[388]
Did you change the amount of the appraisal
[390]
just because you found out
that this house was owned
[392]
by an African American, is
that what happened, Larry?
[395]
- Hey, as I said, I cannot
control the market, okay.
[400]
Look, I gotta go.
[402]
I have another appraisal to attend to.
[404]
Have a good day, John.
[409]
- Larry.
[411]
Hello?
[415]
He hung up on me.
[418]
- Dad, don't be mad.
[421]
- I'm not mad.
[423]
I'm just gonna get another appraiser
[424]
to look at the house.
[428]
(knock on the door)
[434]
(door opens)
[435]
You must be Nancy.
- Hi.
[437]
- Hi, John.
- Hi
[439]
- And this handsome young
man must be Michael.
[442]
- Hello, nice to meet you.
[443]
(Nancy and John laugh)
- It's my pleasure.
[445]
Well, you have a beautiful home here.
[448]
- Thank you.
[448]
- Really beautiful, shall we?
[449]
- Yeah please come in.
[450]
- Thank you.
[454]
- Wow, I love what you've
done with the place.
[458]
- Well, I actually, I had an
interior designer help me.
[461]
- Well, you and the interior designer
[463]
both did an excellent job.
[466]
- Please, let me show you around.
[468]
- Oh, that'd be great. All right.
[471]
(upbeat music)
[483]
Well, thank you for the tour, John.
[485]
You have built an absolutely
beautiful home here
[488]
and whoever buys this property
[490]
will be very happy with it I'm sure.
[492]
- Well, thank you, Nancy.
[493]
And I really appreciate you
coming out on such short notice.
[497]
- Really It's my pleasure.
[499]
- So I know that you have other details
[503]
and I know that you have
to do home comparisons
[505]
in the neighborhood but,
ballpark, what do you think?
[509]
- Yeah. So I have to research
this area a little bit
[512]
and there was a home.
[514]
I think it's the next block
over it just sold this week
[516]
so I've got to take a look at that,
[517]
but don't quote me now,
John, but ballpark range.
[522]
- Yeah ballpark.
[523]
- I think you're looking at 1.4,
[526]
maybe as much as 1.6 million.
[528]
- 1.6.
- Yeah.
[529]
- Sounds about right.
- Absolutely.
[531]
And in this crazy market,
[533]
I mean maybe even more, right.
[536]
But again, don't quote me.
[538]
I've got work to do,
[539]
but I will have that appraisal
to you in your mailbox
[543]
no later than Friday afternoon.
[544]
- All right. Well Nancy,
thank you so much.
[546]
And thank you for all your help.
[547]
- Anytime. Bye Michael.
- Bye.
[549]
- Let me walk you walk to the door.
[550]
- All right, super.
[554]
(upbeat music)
[589]
(John laughs)
[599]
- Look at that.
[600]
- Dad, why are you so happy?
[604]
- Because I finally have proof
[608]
that that first appraiser
that came to our house
[612]
was nothing more than a
bile, prejudice, racist jerk.
[619]
- You should call him and
tell him that into his face.
[625]
- Ooh, I like that idea, yeah.
[629]
That's what we're gonna do.
[631]
That is exactly what we are going to do.
[639]
(phone vibrates)
[645]
- Hello?
[645]
- Hello, Larry.
[647]
It's me, John.
[648]
- John, I'm quite busy
[650]
and I really don't have
time for you right now.
[652]
- Oh, I think it would be
in your very best interest
[657]
to make time for me, Larry.
[658]
- Really John? What is it now?
[660]
- You know, after you gave me
[662]
that ridiculously low appraisal last week,
[665]
I decided to get a different appraisal
[668]
from a different company.
[670]
- Why would you waste your
money on something like that?
[673]
I'm sure once they met
you and saw the house,
[676]
they probably came in close
[677]
to what I had said the value was, right?
[680]
(John laughs)
[682]
- There's the rub, Larry.
[683]
There is the rub.
[685]
- What are you talking about?
[687]
- Guess what appraisal value I received?
[690]
- I don't know, 300,
10,000, 325,000 maybe.
[695]
- She gave me an appraisal
that's just a little bit more
[701]
than the number that you
originally gave me, $1,550,000.
[710]
That is the actual value of my house.
[716]
- Look, I'm coming over right now
[718]
to straighten this out, okay.
[720]
I'll be there in five minutes.
[722]
- Oh, but wait.
[724]
I thought you didn't have time for me.
[726]
- No. Yeah, I was, but I can make time.
[730]
(inspirational music)
- Oh, okay.
[732]
I'll see you when you get here.
[736]
(laughter)
[760]
(panting)
(soft knock)
[771]
(door opens)
[776]
- Man, you got here fast.
(John laughs)
[783]
- My car broke down on the way down here.
[786]
I had to run the last few blocks.
[787]
- It looks like you're about
to have a heart attack mister.
[792]
- Look, John, I'm sorry.
[795]
I brought a fresh appraisal form
[797]
and you can fill out whatever
amount you want in there.
[802]
Anything.
[803]
- Well, it's a little bit too late.
[807]
I already have the true
market value for my property.
[812]
So please, you get off my property.
[816]
(soft music)
[820]
- Hey mister, you forgot this.
[825]
- Oh, by the way,
[827]
I decided I was going to get
in contact with your firm
[830]
and to let them know about your racist
[833]
and fraudulent practices.
[835]
So I wouldn't expect you to
have a job when you get back.
[840]
- [In Unison] Have a nice day.
[842]
(John laughs)
[845]
- Come on.
[848]
Today was a good day.
[865]
(music stops)
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