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Why do home lenders hire appraisers ?

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to provide independent and objective property value estimates.

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Which factor is directly connected to the wealth gap in relation to property value?

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direct impacts of residential segregation.

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What did the federal government establish in relation to the HOLC's function?

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standards for property valuation

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What was the purpose of the residential security maps created by the HOLC's City Survey Program?

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To guide the lending industry in evaluating risk.