# Adjustment

> Adjustment translates a unique property into a supportable opinion of value

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:appraisal-valuation:adjustment` |
| Family | Appraisal & Valuation |
| Domain | Economics |
| Era | Institutional Age → Agentic Age |
| Kind | concept |
| Archetype | The Relation |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Adjustment is a concept in the Appraisal & Valuation family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Adjustment translates a unique property into a supportable opinion of value.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Adjustment translates a unique property into a supportable opinion of value
- **Gift:** Clarity about adjustment makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When adjustment is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when adjustment is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where adjustment appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Adjustment reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Adjustment changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Adjustment changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Adjustment can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Relation enters the reading through Adjustment. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Adjustment becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 4.

## Relationships

- **Sewer Scope is governed by Adjustment.** Sewer Scope is governed by Adjustment through a change in rights, information, cash flow, priority, timing, or physical use.
- **Comparable Sale documents Adjustment.** Comparable Sale documents Adjustment through a change in rights, information, cash flow, priority, timing, or physical use.
- **Adjustment transfers into Reconciliation.** Adjustment transfers into Reconciliation through a change in rights, information, cash flow, priority, timing, or physical use.
- **Adjustment externalizes to Growing-Equity Mortgage.** Adjustment externalizes to Growing-Equity Mortgage through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Market Value versus Meaning
- Standardization versus Uniqueness

## Historical lineage and regulatory context

Read Adjustment through the lineage of Appraisal & Valuation: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Adjustment: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Uniform Standards of Professional Appraisal Practice](https://appraisalfoundation.org/pages/uspap) — The Appraisal Foundation; appraisal ethics, development, reporting, review.
- [Quality Control Standards for Automated Valuation Models](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/quality-control-standards-for-automated-valuation-models/) — Consumer Financial Protection Bureau; AVM controls and valuation technology.
- [Fannie Mae Selling Guide](https://singlefamily.fanniemae.com/media/document/pdf/selling-guide-february-4-2026) — Fannie Mae; loan eligibility, underwriting, appraisal, delivery.
