KENNETH R. HARNEY The Washington Post Writers GroupWASHINGTON — Do we always need an appraiser to tell us what a house is worth? The two biggest sources of mortgage financing in the country, Freddie Mac and Fannie Mae, think not. With no formal public announcement, on June 19, Freddie Mac began phasing in its plan to transition to appraisal-free mortgages for certain loan applications.Read more on NewsOK.com