Appraisal Services:

Each one of our appraisers has been personally checked and verified by references, licensing, better business bureaus and local city and state organizations.

Appraisals we can offer:

•  Residential , Commercial, Land, Real Estate Appraisals

Appraisals provided for:

• Buying, Selling, Refinance

• Estates

• Trust Planning

• Relocation

• Tax

• PMI or Mortgage Insurance Removal

• Divorce

• New Construction

• Income Properties

Contact us to set up your appraisal today.

Appraisal Questions / Answers

What is a real estate appraisal?
Impartial third party appraisal is needed to make sure a buyer is not paying too much for a property and to make sure a lender does not extend too much credit to the buyer. An appraiser gathers details about the property and comparable properties and analyzes those details in order to provide the estimated value of the property.

How much will an appraisal cost?
The cost of the appraisal will vary by county.

If a home inspection (walkthrough by the appraiser) is a required part of the appraisal, how long will it take?  Usually, the walkthrough of your home will take no more than 20 to 30 minutes. Additional time may be spent outside your home, analyzing your property and any structures on your property. Be aware: The term inspection does not constitute a home inspection. When an appraiser views the home, it is for informational gathering purposes only and not a full home inspection which needs to be done by a licensed qualified inspector.

After the walkthrough?
The appraiser studies homes in your area, which have recently sold and are considered similar to your home. After information is gathered, begins a lengthy process, taking hours to complete. The report is reviewed by another qualified appraiser and to make sure there are no inaccuracies before presenting to the client

What's included in report?
An estimate of value. Six major steps of this process : definition of the problem, preliminary survey and appraisal plan, data collection and analysis, application of the three approaches to value, reconciliation of value indications, and final estimate of defined value. This process assists the appraiser in reaching a sound conclusion. The major phase of this process involves the application of the three approaches to value: the Market Data Approach, the Cost Approach, and the Income Approach. The three approaches are reconciled and the most applicable approach, in the opinion of the appraiser, is selected for the final estimate of value. In most residential appraisals, especially those of single family dwellings, the direct sales comparison or market approach best reflects the actions of buyers and sellers and is the most convincing and defendable approach to value.

How can I get a copy of the appraisal that a lender ordered on my home?
If your appraisal was requested by a lender, then the lender owns that appraisal, regardless of who pays for it. You should submit a written request to the lender, asking for a copy to be sent to you. Do not contact the appraiser for the copy, as it cannot be released without the consent of the requesting lender.

To what standards and rules must appraisers adhere?
Appraisal Standards Board (ASB): The ASB sets forth the rules for developing an appraisal and reporting its results. Additionally, it promotes the use, understanding, and enforcement of the Uniform Standards of Professional Appraisal Practice (USPAP). FIRREA requires that real estate appraisals, used in conjunction with federally-related transactions, be performed in accordance with USPAP. More than 80,000 state certified and licensed appraisers are currently required to adhere to USPAP. USPAP contains the recognized standards of practice for real estate, personal property, and business appraisal. The authority of USPAP extends beyond FIRREA. Since 1992, the Office of Management and Budget (OMB) has required federal land acquisition and direct lending agencies to use appraisals in conformance with USPAP.

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