FNMA guidelines list San Bernardino and Riverside Counties in "declining" market areas. Wells Fargo lists these as "severely declining". Each has its own guidelines and I do not know of Internet resource who lists the market areas and their specific status. Appraisal guidelines are effected in areas listed in decline or severe decline and this is an issue for every property in Riverside and San Bernardino Counties at this point. (No funny stuff allowed!) as it never should have been.