What should be emphasized regarding the appraiser's relationship with the lender?

The emphasis on the appraiser maintaining independence from the lender is critical in ensuring the integrity of the appraisal process. Independence is integral to upholding the objective nature of the appraisal. By being independent, appraisers can provide unbiased opinions of value, free from the influence of external factors such as lender pressure or financial incentives. This independence helps to promote trust in the appraisal process, as stakeholders can be confident that the appraised value is based on sound analysis and relevant data, rather than being swayed by the needs or expectations of the lender.

Moreover, this independence is a cornerstone of professional standards, such as those outlined in USPAP (Uniform Standards of Professional Appraisal Practice), which mandate that appraisers act impartially and without conflicts of interest. This ensures that the appraisal is credible and serves its purpose in the lending process, which is to provide an accurate valuation of the property in question.