Final answer:
Contacting the borrower directly is an example of a violation of appraiser independence because it can introduce bias or influence the outcome of the appraisal, which should remain unbiased and objective.
Step-by-step explanation:
An example of a violation of appraiser independence in the video would be contacting the borrower directly. Appraiser independence is critical in the home loan process to ensure appraisals are conducted without pressure or influence from parties interested in the outcome of the appraisal, such as the borrower, real estate agent, or lender. Communication between appraisers and these parties can raise ethical concerns and potential conflicts of interest, especially if it is intended to influence the outcome of the appraisal.
Options such as failing to disclose loan terms or using recent comparable sales do not constitute violations of appraiser independence. Using recent comparable sales is, in fact, a standard practice in carrying out an unbiased and objective appraisal. However, if an appraiser seeks advice from a realtor with the intent to manipulate the appraisal value, it could also be seen as a violation of independence.