San Francisco Commercial Appraiser

Size: px
Start display at page:

Download "San Francisco Commercial Appraiser"

Transcription

1 San Francisco Commercial Appraiser Fidelity Appraisals provides a staff of fully licensed appraisal experts for reliable and certified appraisal services and valuation reports throughout the United States. Following Federal regulations and industry standards, we provide accurate appraisals for both commercial and private party clients. Specializing in commercial real estate appraisal services, as well as commercial vehicle appraisals and machinery appraisals, Fidelity provides our clients with detailed reports and all information affecting the decisions reached including important factors such as zoning, ownership records, and comparable sales in the area. From agricultural property to mobile homes to golf courses and shopping centers, all appraisals are conducted in accordance with state and federal regulations.

2 About US Fidelity Appraisals provides appraisal services nationwide with fully licensed local appraisers, including commercial real estate appraisers, vehicle appraisers, boat appraisers and aircraft appraisers. Fidelity is a nationwide appraisal company affording economies of scale and streamlined service. Fidelity provides comprehensive multi-line appraisal services and valuation information for both private and commercial interests. Appraiser Independence Fidelity complys with all Appraisal Independence Requirements as set forth by the Dodd-Frank Wall Street Reform and Consumer Protection Act, and by Fannie Mae, Freddie Mac and the Federal Housing Administration. To ensure compliance Fidelity provides panel appraisers with a dedicated toll free Appraisal Interference Reporting toll free phone number and address through which they can report any undue influence by anyone in the appraisal process.

3 Appraisers other than real estate including commercial appraisers, boat appraisers, car appraisers, auto appraisers, automobile appraisers, vehicle appraisers, aircraft appraisers, marine surveyors, RV appraisers, truck appraisers and motorcycle appraisers in most states are not required to be licensed. Local Appraisers - Service Nationwide Whether you needs are local, in the next county, the next state or even across the country, Fidelity Appraisals provides the convenience of a single centralized order point with local field service nationwide. Fidelity Appraisals is your single source for licensed appraisals, valuation reports and desk audits nationwide. Fidelity Appraisals are FHA, Fannie Mae, Freddie Mac, HVCC and USPAP compliant. Simply fax, or call in your order today and Fidelity will take care of all the rest for you. Fidelity is your best choice for statewide licensed appraisers, everywhere nationwide. It s Fidelity for all your appraisals including all commercial appraisals and real estate appraisals including commercial real estate appraisals, boat appraisals, vehicle appraisals, real estate appraisals, aircraft appraisals, RV appraisals, motorcycle appraisals. Property appraisers requiring licensing include all real estate appraisers and commercial real estate appraisers. Fidelity appraisers hold are licensed in the state in which they conduct the appraisal and many hold multi-state licenses.

4 Appraisal Services Together with you and our network partners, we form a business relationship that s the best! At Fidelity Appraisals, we believe that only the best is the standard of care that our clients deserve. Fidelity is your best source for quality licensed appraisals and service. 1. One Stop Shop - Whether you need a single appraisal or a whole portfolio of diverse assets appraised, we bring it all together for you. 2. Quality Review - All appraisals are quality reviewed. 3. AIR and USPAP Compliance - Real Estate appraisals for financing now require AIR compliance as well as USPAP compliance. With Fidelity compliance is assured. Fidelity is your resource for licensed appraisers, appraisals and fair market value reports nationwide. Fidelity facilitates appraisals for all private party as well as all commercial appraisals needs including residential real estate appraisals, commercial real estate appraisals, boat appraisals, vehicle appraisals, aircraft appraisals, RV appraisals and motorcycle appraisals. Property appraisers requiring licensing include all residential real estate appraisers and all commercial real estate appraisers. All Fidelity real estate appraisers hold a real estate appraisal license in their state and many hold multistate licenses.

5 Commercial Real Estate Appraisals Commercial Real Estate Appraisal Tips Any real estate matter can be a complicated mess, but getting an appraisal for commercial real estate can be downright scary if you don t know what you re doing. Whether you re buying or selling commercial real estate, you need to know what the appraiser is basing his or her decision on. First, know that appraisers are bound by a code of ethics, so never try to dissuade an appraiser to come in higher or lower on the appraisal. Also, reveal everything you know about the property to the appraiser before the inspection. If you try to hide something negative, it may come back to haunt you. Know that the inspection portion of the appraiser s job is only a small part of the appraisal. Afterward, he ll research zoning, ownership records and comparable sales in the area of similar properties and give you a report on his findings. It s normally a complicated process that may take a few weeks. Fidelity appraisers work efficiently to complete appraisals timely. All appraisals are conducted by appraisers licensed in good standing in their respective local states.

6 Residential Real Estate Appraisals All appraisals are conducted by appraisers licensed in good standing in their respective local states. All licensed appraisals are fully compliance with all local, state and federal regulations, standards and guidelines, including the Uniform Standards of Professional Appraisal Practice and Fannie Mae. Fidelity property appraisers include all real estate appraisers by many kinds of residential appraiser descriptions and designations such as FHA appraisers, licensed appraisers, licensed property appraisers, licensed real estate appraisers, real estate appraisers, residential appraisers, residential property appraisers, FHA appraisers, home appraisers, house appraisers, licensed appraisers, MAI appraisers, mobile home appraisers, property appraisers, real estate appraisers and residential appraisers.

7 For more information please visit site

Leading Appraisal Management Solutions. Trusted. Customizable. Innovative

Leading Appraisal Management Solutions. Trusted. Customizable. Innovative Leading Appraisal Management Solutions Trusted Customizable Innovative A Step Ahead Innovation is at our core, paving the way and providing leading-edge Appraisal Management Solutions to mortgage originators,

More information

RPM Mortgage Appraisal Division Appraiser Certification. To: Approved Appraiser Panel

RPM Mortgage Appraisal Division Appraiser Certification. To: Approved Appraiser Panel RPM Mortgage Appraisal Division Appraiser Certification To: Approved Appraiser Panel From: Gary Vujovich, SRA Chief Appraiser-Appraisal Division Re: Current Status and RPM Guidelines Your receipt of this

More information

Table of Contents. Table of Contents... 1. Chapter 1 Introduction... 3. 1.1 Goals & Objectives... 3 1.2 Required Review... 3 1.3 Applicability...

Table of Contents. Table of Contents... 1. Chapter 1 Introduction... 3. 1.1 Goals & Objectives... 3 1.2 Required Review... 3 1.3 Applicability... [ Client]... 1 Chapter 1 Introduction... 3 1.1 Goals & Objectives... 3 1.2 Required Review... 3 1.3 Applicability... 4 Chapter 2 Accountability and Monitoring... 5 2.1 Internal Controls... 5 Chapter 3

More information

Valuation Management Group strives to assist all appraisers who are looking to maximize their time efficiency and quality.

Valuation Management Group strives to assist all appraisers who are looking to maximize their time efficiency and quality. Dear Appraiser: We are delighted that you are joining our team at Valuation Management Group. Our goal is to improve the appraisal process for our clients and appraisers to ensure appraiser independence.

More information

Valuation Management Group strives to assist all appraisers who are looking to maximize their time efficiency and quality.

Valuation Management Group strives to assist all appraisers who are looking to maximize their time efficiency and quality. Dear Appraiser: We are delighted that you are joining our team at Valuation Management Group. Our goal is to improve the appraisal process for our clients and appraisers to ensure appraiser independence.

More information

Appraiser Application Checklist

Appraiser Application Checklist Appraiser Application Checklist Application Requirements: (please initial all blanks) Complete the online sign up process on our website, www.eamc1.com, and provide the following: Basic Company Information

More information

Recertification of Value, Appraisal Updates and Retypes

Recertification of Value, Appraisal Updates and Retypes Recertification of Value, Appraisal Updates and Retypes By Bill King, June 2003 Recertification of Value Appraisers are frequently called with requests for recertifications of value, and often the call

More information

Appraiser Independence Requirements Frequently Asked Questions (FAQs) November 2010

Appraiser Independence Requirements Frequently Asked Questions (FAQs) November 2010 Appraiser Independence Requirements Frequently Asked Questions (FAQs) November 2010 The Appraiser Independence Requirements (AIR) were developed by Fannie Mae, the Federal Housing Finance Agency (FHFA),

More information

Using the StreetLinks Website

Using the StreetLinks Website Client User Guide Using the StreetLinks Website 1.1 Placing an Order Log in to www.streetlinks.com using your StreetLinks issued username and password, specific to your lender. Please be sure to use Internet

More information

RE: Proposed Minimum Requirements for Appraisal Management Companies (AMCs)

RE: Proposed Minimum Requirements for Appraisal Management Companies (AMCs) June 9, 2014 Legislative and Regulatory Activities Division Office of the Comptroller of the Currency 400 7 th Street, SW, Suite 3E 218, Mail Stop 9W 11 Washington, DC 20219 Docket ID OCC 2014 0002 Robert

More information

Home Valuation Code of Conduct

Home Valuation Code of Conduct I. Appraiser Independence Safeguards Home Valuation Code of Conduct A. An appraiser must be, at a minimum, licensed or certified by the state in which the property to be appraised is located. B. No employee,

More information

LRES Corporation. Best Business Practices for an Appraisal Management Company

LRES Corporation. Best Business Practices for an Appraisal Management Company LRES Corporation Best Business Practices for an Appraisal Management Company [This document outlines the key principles and characteristics of an appraisal management company. The contents contained within

More information

Vendor Registration 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.evaluationzone.com

Vendor Registration 6103 W. Montrose Avenue, Chicago, IL 60634 p: 773.647.1992 f: 773.751.5057 www.evaluationzone.com Vendor Registration Thank you for your interest in becoming an approved appraisal provider for evaluation ZONE, Inc. (eval). For your review, we have attached our standard appraiser approval package, which

More information

4. ACCESS TO THE SITE

4. ACCESS TO THE SITE Service Agreement for Mortgage Lenders & Appraisers for compliance with the Appraisal Independence regulation included in the Dodd-Frank Wall Street Reform and Consumer Protection Act. This Service Agreement

More information

Advanced AMC, Inc. Appraiser Services Agreement (Independent Contractor Agreement)

Advanced AMC, Inc. Appraiser Services Agreement (Independent Contractor Agreement) Advanced AMC, Inc.. Appraiser Services Agreement (Independent Contractor Agreement) This Appraiser Services Agreement ( Agreement ) shall be effective as of the Effective Date by and between Advanced AMC,

More information

Instructions for Use. Agreement for Services

Instructions for Use. Agreement for Services Agreement for Services Instructions for Use Copyright 2006 Appraisal Institute. All rights reserved. Printed in the United States of America. No part of this publication may be reproduced, stored in a

More information

Utah Housing Corporation (UHC) Lender/Seller Participation Application

Utah Housing Corporation (UHC) Lender/Seller Participation Application Utah Housing Corporation (UHC) Lender/Seller Participation Application All Lenders/Sellers requesting to participate in UHC's Single Family Mortgage Loan Programs must complete this Application and submit

More information

STATEMENT OF THE NATIONAL ASSOCIATION OF HOME BUILDERS. Hearing Entitled: Appraisal Oversight: The Regulatory Impact on Consumers and Businesses

STATEMENT OF THE NATIONAL ASSOCIATION OF HOME BUILDERS. Hearing Entitled: Appraisal Oversight: The Regulatory Impact on Consumers and Businesses STATEMENT OF THE NATIONAL ASSOCIATION OF HOME BUILDERS Hearing Entitled: Appraisal Oversight: The Regulatory Impact on Consumers and Businesses Subcommittee on Insurance, Housing and Community Opportunity

More information

Appraiser Application Checklist

Appraiser Application Checklist Appraiser Application Checklist Application Requirements Complete the application and provide the following: Company Information Individual Appraiser Information State and County Coverage Product Fee Schedule

More information

NEW MORTGAGE RULES DEMYSTIFIED: WHAT EVERY AGENT NEEDS TO KNOW BEFORE JANUARY

NEW MORTGAGE RULES DEMYSTIFIED: WHAT EVERY AGENT NEEDS TO KNOW BEFORE JANUARY Real Estate Agent Webinar White Paper NEW MORTGAGE RULES DEMYSTIFIED: WHAT EVERY AGENT NEEDS TO KNOW BEFORE JANUARY On December 10, 2013 PNC Mortgage hosted an educational webinar for real estate agents

More information

The Property Tax in Missouri

The Property Tax in Missouri The Property Tax in Missouri This brochure is designed to give taxpayers an understanding of the way property taxes are assessed and levied in Missouri, and how they affect individual taxpayers. A separate

More information

APPRAISERS, APPRAISALS, & YOU: A LENDER S GUIDE TO USPAP

APPRAISERS, APPRAISALS, & YOU: A LENDER S GUIDE TO USPAP APPRAISERS, APPRAISALS, & YOU: A LENDER S GUIDE TO USPAP 1 2 In the lending world, the three C s (credit, capacity and collateral) are common knowledge. It is the valuation of the collateral that creates

More information

Certified Real Estate Residential Appraiser - #45000000117

Certified Real Estate Residential Appraiser - #45000000117 MOLLY A. CARHART-WHRITNER - APPRAISER'S QUALIFICATIONS 6 FRONT STREET NEWBURGH, NY 12550 845-568-0600 EMAIL: MOLLYC@VCINY.COM NYS LICENSE # 45000000117 PROFESSIONAL AFFILIATIONS: National Association of

More information

Appraisal. Colorado. Licensing and Continuing Education JANUARY JUNE 2016. Appraisal Education From the Name You Trust.

Appraisal. Colorado. Licensing and Continuing Education JANUARY JUNE 2016. Appraisal Education From the Name You Trust. JANUARY JUNE 2016 Colorado Appraisal Licensing and Continuing Education Now Offering Evening Licensing Courses! Appraisal Education From the Name You Trust. Interested in an Appraisal Career? While many

More information

2013 CARS a 501(c)(3) organization. All Rights Reserved.

2013 CARS a 501(c)(3) organization. All Rights Reserved. 1 Why Choose CARS For Your Nonprofit? Since 2004, CARS a 501 (c)(3) organization has provided web based turn-key vehicle donation program services for nonprofit organizations throughout the United States.

More information

264 CMR 9.00: COURSE APPROVAL REQUIREMENTS FOR PROVIDERS OF PRIMARY AND CONTINUING EDUCATION

264 CMR 9.00: COURSE APPROVAL REQUIREMENTS FOR PROVIDERS OF PRIMARY AND CONTINUING EDUCATION Red Lined 264 CMR 9.00: COURSE APPROVAL REQUIREMENTS FOR PROVIDERS OF PRIMARY AND CONTINUING EDUCATION Section 9.01: Course Approval by Board 9.02: Application for Course Approval 9.03: Criteria for Course

More information

Home Buyer s Guide. Buy Your First Home with Confidence! Own Your Future

Home Buyer s Guide. Buy Your First Home with Confidence! Own Your Future Home Buyer s Guide Buy Your First Home with Confidence! Own Your Future Own Your Future Thinking About Buying Your First Home? You ve Come to the Right Place! The prospect of buying your first home is

More information

Purchase Funded (Delegated UW)

Purchase Funded (Delegated UW) Lender: Lender Requirements: $250 Application Processing Fee (Non Refundable) Minimum 2 years in business (Housing Finance Agency recommendation needed if less than 2 years) Minimum 2 years history (2

More information

THE APPLICABILITY OF HMFACTS PRODUCTS AND TOOLS AND THE EFFECTS OF H.R.

THE APPLICABILITY OF HMFACTS PRODUCTS AND TOOLS AND THE EFFECTS OF H.R. WHITE PAPER THE APPLICABILITY OF HMFACTS PRODUCTS AND TOOLS AND THE EFFECTS OF H.R. 4173 DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ON INDUSTRY PROFESSIONALS. Presented By: Decision Ready

More information

Loan Type Comparison. FHA, VA, Conventional, and RD

Loan Type Comparison. FHA, VA, Conventional, and RD Loan Type Comparison FHA, VA, Conventional, and RD Loan Type Comparison Mortgage loan insured by the Federal Housing Administration, a government agency A mortgage loan that must meet Fannie Mae or Freddie

More information

Home Valuation Code of Conduct Frequently Asked Questions (FAQs) Updated March 2010

Home Valuation Code of Conduct Frequently Asked Questions (FAQs) Updated March 2010 Home Valuation Code of Conduct Frequently Asked Questions (FAQs) Updated March 2010 To help enhance the integrity of the home appraisal process in the mortgage finance industry, in March 2008, Fannie Mae

More information

Presented by Scot M. Rose President, Chief Valuation Officer Urban Lending Solutions Appraisals, LLC

Presented by Scot M. Rose President, Chief Valuation Officer Urban Lending Solutions Appraisals, LLC Presented by Scot M. Rose President, Chief Valuation Officer Urban Lending Solutions Appraisals, LLC 120000 2010 Q3 Total Volume; all values are in millions 100000 80000 60000 40000 20000 0 Total Studies

More information

Home HOW TO BUY A WITH A LOW DOWN PAYMENT 3 % A consumer s guide to owning a home with less than three percent down. or less

Home HOW TO BUY A WITH A LOW DOWN PAYMENT 3 % A consumer s guide to owning a home with less than three percent down. or less A consumer s guide to owning a home with less than three percent down. 3 % WITH A LOW DOWN PAYMENT or less HOW TO BUY A Home If you re dreaming of buying a home, congratulations. You re in good company!

More information

Job Title: Appraisal Department Intern

Job Title: Appraisal Department Intern Job Title: Appraisal Department Intern Requirements: 1. Education: Upper divisional student at a University level facility. Minimum 3.0 cumulative GPA. Current active enrollment status in a business related

More information

Lesson 15: Closing Real Estate Transactions

Lesson 15: Closing Real Estate Transactions 1 Real Estate Principles of Georgia Lesson 15: Closing Real Estate Transactions 2 Closing Closing: Final stage in real estate transaction. Also called settlement. Buyer pays seller; seller transfers title

More information

Useful information for Loan Officers regarding Residential Appraisals

Useful information for Loan Officers regarding Residential Appraisals Useful information for Loan Officers regarding Residential Appraisals USPAP USPAP stands for Uniform Standards of Professional Appraisal Practice. USPAP establishes the standards and guidelines for real

More information

Real Estate Appraisals Common Issues and Best Practices

Real Estate Appraisals Common Issues and Best Practices Real Estate Appraisals Common Issues and Best Practices Real estate appraisals are the first line of credit risk defense Common Issues Key Takeaways Common areas for improvement Selecting the best appraisers

More information

The affordable homes specialist. Selling your. Shared Ownership home

The affordable homes specialist. Selling your. Shared Ownership home The affordable homes specialist Selling your Shared Ownership home Selling your home, or your share of it, is not as complicated as you might imagine. We are here to give you the information you need.

More information

YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. Car Buying 101

YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. Car Buying 101 YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. HOW MUCH CAN YOU AFFORD TO SPEND? RESEARCH, RESEARCH, RESEARCH BEFORE YOU SHOP. A good rule of thumb is to consider a monthly auto payment that should

More information

http://www.knowledgemosaic.com/gateway/gao/federal_agency_major_rule...

http://www.knowledgemosaic.com/gateway/gao/federal_agency_major_rule... Page 1 of 5 B-324477 March 4, 2013 The Honorable Tim Johnson Chairman The Honorable Mike Crapo Ranking Member Committee on Banking, Housing, and Urban Affairs United States Senate The Honorable Jeb Hensarling

More information

Nations Valuation Services

Nations Valuation Services Information Guide NVS Ohio - Phone: (866) 967-1544 Fax: (866) 471-1760 3700 Corporate Drive, Suite 100, Columbus, OH 43231 linkedin.com/company/nations-valuation-services facebook.com/nationsvaluationservices

More information

Sun West Overview. Privately Held Flexibility to respond to Customers needs. CONFIDENTIAL Sun West Mortgage Company, Inc.

Sun West Overview. Privately Held Flexibility to respond to Customers needs. CONFIDENTIAL Sun West Mortgage Company, Inc. Sun West Overview Headquartered in Cerritos, California - Sun West has been serving our nationwide client base since 1980. Our diversified loan program experience includes FHA Single Family, FHA Reverse

More information

HOMEBUYER S MORTGAGE GUIDE

HOMEBUYER S MORTGAGE GUIDE WWW.WINTRUSTMORTGAGE.COM WINTRUST.COM/MYHOME HOMEBUYER S MORTGAGE GUIDE HELPFUL INFORMATION ABOUT THE MORTGAGE PROCESS TO GUIDE YOU AS YOU PURCHASE YOUR NEW HOME. www.wintrust.com/myhome WHY WINTRUST?

More information

June 8, 2012. Re: Leveraged Lending Proposed Guidance. Dear Sir or Madam:

June 8, 2012. Re: Leveraged Lending Proposed Guidance. Dear Sir or Madam: June 8, 2012 Office of the Comptroller of the Currency, Treasury Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation Re: Leveraged Lending Proposed Guidance Dear Sir

More information

2016 Home Financing for Doctors. What Obstacles Do You Face? (Can you buy a home?)

2016 Home Financing for Doctors. What Obstacles Do You Face? (Can you buy a home?) 2016 Home Financing for Doctors This is what you NEED to know by Tal Frank talfrank@physicianloans.com 404-321-3931 www.physicianloans.com What Obstacles Do You Face? (Can you buy a home?) Obstacles Little/no

More information

Freddie Mac Condominium Unit Mortgages

Freddie Mac Condominium Unit Mortgages For all mortgages secured by a Condominium Unit in a Condominium Project, you must meet the requirements of Freddie Mac Single-Family Seller/Servicer Guide (Guide) Chapter 42, Special for Condominiums,

More information

Borrower Interest Rate Date Form

Borrower Interest Rate Date Form Correspondent Lending Compliance Quick Reference Closing Requirements This section describes Plaza s policies for loan delivered for purchase through our Correspondent channel. Unless otherwise mentioned

More information

Supplemental Directive 15-03 May 6, 2015

Supplemental Directive 15-03 May 6, 2015 Supplemental Directive 15-03 May 6, 2015 Making Home Affordable Program Verification of Dodd-Frank Certification on GSE HAMP Loans Under a GSE Amended SPA In February 2009, the Obama Administration introduced

More information

Housing Opportunities for Native Americans & Alaska Natives NativeNatives

Housing Opportunities for Native Americans & Alaska Natives NativeNatives Housing Opportunities for Native Americans & Alaska Natives NativeNatives The Section 184 Indian Home Loan Guarantee program is a home loan product for federally recognized tribal members, tribes, and

More information

January 15, 2016. Honorable Richard Cordray, Director Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552

January 15, 2016. Honorable Richard Cordray, Director Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 January 15, 2016 Honorable Richard Cordray, Director Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Re: Request for Formal CFPB Review of Banking Agencies Decision to Consider

More information

MORTGAGE DICTIONARY. Amortization - Amortization is a decrease in the value of assets with time, which is normally the useful life of tangible assets.

MORTGAGE DICTIONARY. Amortization - Amortization is a decrease in the value of assets with time, which is normally the useful life of tangible assets. MORTGAGE DICTIONARY Adjustable-Rate Mortgage An adjustable-rate mortgage (ARM) is a product with a floating or variable rate that adjusts based on some index. Amortization - Amortization is a decrease

More information

Property FAQs. Where do I pay my property tax? Generally speaking, property taxes are paid to local Tax Collectors where the property is located.

Property FAQs. Where do I pay my property tax? Generally speaking, property taxes are paid to local Tax Collectors where the property is located. The following is intended to provide general information concerning a frequently asked question about taxes administered by the Mississippi Tax Commission. It is an informal interpretation of the tax law

More information

Correspondent Seller Eligibility Policy

Correspondent Seller Eligibility Policy 1.0 Purpose and Scope The Correspondent Lending Division of Impac Mortgage Corp. (Impac) provides guidance for the purchase of Impac-qualified closed loans from correspondent sellers. This policy outlines

More information

RESIDENTIAL MORTGAGE PRODUCT INFORMATION DISCLOSURE

RESIDENTIAL MORTGAGE PRODUCT INFORMATION DISCLOSURE RESIDENTIAL MORTGAGE PRODUCT INFORMATION DISCLOSURE Whether you are buying a house or refinancing an existing mortgage, this information can help you decide what type of mortgage is right for you. You

More information

APPRAISER SELECT, LLC. Owner: Allen Arnold Office: 407-900-2187 Cell:407-923-6464 Allen@AppraiserSelect.Net www.appraiserselect.

APPRAISER SELECT, LLC. Owner: Allen Arnold Office: 407-900-2187 Cell:407-923-6464 Allen@AppraiserSelect.Net www.appraiserselect. APPRAISER SELECT, LLC Owner: Allen Arnold Office: 407-900-2187 Cell:407-923-6464 Allen@AppraiserSelect.Net www.appraiserselect.net Company background Appraiser Select, LLC is a full service Appraisal Management

More information

Short sale guide. Your guide to the Wells Fargo Short Sale Process

Short sale guide. Your guide to the Wells Fargo Short Sale Process Short sale guide Your guide to the Wells Fargo Short Sale Process The Wells Fargo Short Sale Process We re pleased to have the opportunity to work with you on potential short sale properties. If you re

More information

APPRAISAL MANAGEMENT COMPANY RENEWAL APPLICATION

APPRAISAL MANAGEMENT COMPANY RENEWAL APPLICATION Complete, sign, and submit this form along with the items listed below to the Division. Entity Name: Email: Business Address: City: State: Zip: Ph: Fax: Registered Agent: Email: City: State: Zip: Ph: Fax:

More information

22. What amount is the buyer debited for the real estate taxes? A) $666.67 B) $1,600 C) $933.33 D) $133.33

22. What amount is the buyer debited for the real estate taxes? A) $666.67 B) $1,600 C) $933.33 D) $133.33 Name: Date: 1. Norman agrees to purchase Gusela's property for $185,500. He deposits the purchase price with Vincent, and Gusela deposits a warranty deed for the property with Vincent. Vincent is instructed

More information

Uniform Appraisal Dataset (UAD) Frequently Asked Questions FAQs

Uniform Appraisal Dataset (UAD) Frequently Asked Questions FAQs Uniform Appraisal Dataset (UAD) Frequently Asked Questions FAQs The following provides answers to questions frequently asked about Fannie Mae s and Freddie Mac s Uniform Appraisal Dataset (UAD). July 13,

More information

DISCUSSION ISSUES FOR SMALL ENTITY REPRESENTATIVES

DISCUSSION ISSUES FOR SMALL ENTITY REPRESENTATIVES SMALL BUSINESS REVIEW PANEL AND COST OF CREDIT CONSULTATION FOR HOME MORTGAGE DISCLOSURE ACT (HMDA) RULEMAKING DISCUSSION ISSUES FOR SMALL ENTITY REPRESENTATIVES To help frame the small entity representatives

More information

TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS

TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS In this packet... Introduction... 2 TDHCA s Homebuyer Assistance Options... 2 My First Texas Home (MFTH)... 2 Texas Mortgage Credit Certificate (MCC)... 2 Features of TDHCA s Homebuyer Assistance Programs...

More information

Different Types of Loans

Different Types of Loans Different Types of Loans All loans, no matter what they are, are either secured or unsecured. Knowing the difference can better help you understand how they work and what to expect when applying for one.

More information

506 Loan Terms The Loan amount is $14,000.00 and will be a second mortgage lien closed with a DCA-approved Lender s first mortgage.

506 Loan Terms The Loan amount is $14,000.00 and will be a second mortgage lien closed with a DCA-approved Lender s first mortgage. Chapter 5 Georgia Dream NSP Purchase Program 501 Georgia Dream NSP Purchase Program The Georgia Dream NSP Purchase Program is funded with proceeds from an allocation of federal funds from the Housing and

More information

Borrower Personal Information: (for each individual with 20% or greater ownership)

Borrower Personal Information: (for each individual with 20% or greater ownership) SBA 504 Lender Loan Reference Guide Required Business Information: ISCDC 504 Application- (Business Plan if available) Business Year-end Financials for 2 prior years (signed) Business Year-to-Date Financials

More information

Valuing Real Property Going Concerns

Valuing Real Property Going Concerns Valuing Real Property Going Concerns By Paul R. Hyde, EA, MCBA, ASA, ASA, MAI The Problem Most everyone agrees that valuing real property falls under the purview of real estate appraisers and requires

More information

CAREER INFORMATION PACKAGE

CAREER INFORMATION PACKAGE CAREER INFORMATION PACKAGE Spring 2012 The Best Price, People and Technology PROVIDENT FUNDING: The Mortgage Price Leader Since 1992, Provident Funding has built a dynamic business model, leveraging the

More information

Business Position Paper

Business Position Paper Business Position Paper Presented to The Florida Commission on Hurricane Loss Projection Methodology Presented by 2 INTRODUCTION This position paper is provided to the Florida Commission on Hurricane Loss

More information

Introduction to Renovation Lending. Presented by: Jane King Freedom Mortgage

Introduction to Renovation Lending. Presented by: Jane King Freedom Mortgage Introduction to Renovation Lending Presented by: Jane King Freedom Mortgage Agenda Renovation Lending Overview of renovation products Identifying the right borrower Identifying the right property Evaluating

More information

Notice of Mortgage Loan Originator Pre-Licensure and Continuing Education SAFE Act Approved Course Topic List (Revised May 22, 2012)

Notice of Mortgage Loan Originator Pre-Licensure and Continuing Education SAFE Act Approved Course Topic List (Revised May 22, 2012) Notice of Mortgage Loan Originator Pre-Licensure and Continuing Education SAFE Act Approved Course Topic List (Revised May 22, 2012) Purpose The purpose of this notice is to assist NMLS approved course

More information

Editor s Note: This review first appeared in the Appraisal Today Newsletter, published by Ann O Rourke.

Editor s Note: This review first appeared in the Appraisal Today Newsletter, published by Ann O Rourke. Editor s Note: This review first appeared in the Appraisal Today Newsletter, published by Ann O Rourke. Scope of Work Software and Book Review By Doug Smith, IFAS Most appraisers have furthered their understanding

More information

$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER?

$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER? SFPCU Welcomes Contra Costa SO WHO IS THE SF POLICE CREDIT UNION? The SF Police Credit Union has provided financial services since 1953. We are a non-profit, financial institution that is cooperatively

More information

For your convenience, we can schedule an appointment at one of our offices or by telephone whichever is most convenient for YOU!

For your convenience, we can schedule an appointment at one of our offices or by telephone whichever is most convenient for YOU! Dear Client, Thank you for allowing me to provide you with information regarding s mortgage lending programs and services. Please take your time and review the enclosed material. If you have any questions,

More information

Phoenix Appraisal Network express service because time is money

Phoenix Appraisal Network express service because time is money Phoenix Appraisal Network express service because time is money P.O. Box 2396, Scottsdale, AZ 85252 Phone (480) 313-8561 We coordinate the best appraisers in the valley so our clients receive express service

More information

Mortgage Credit Certificate Program Lender Application Package

Mortgage Credit Certificate Program Lender Application Package Thank You for Your Interest Mortgage Credit Certificate Program Lender Application Package Texas State Affordable Housing Corporation ( TSAHC ) is pleased to extend an invitation to its qualified lenders

More information

CityLIFT Oakland/East Bay Program Overview Non-Approved Lender Participation Application

CityLIFT Oakland/East Bay Program Overview Non-Approved Lender Participation Application CityLIFT Oakland/East Bay Program Overview Non-Approved Lender Participation Application DUE BY: Monday, December 23, 2013, 5:00 pm. Dear Lender: The Unity Council Homeownership Center (TUC HOC) is administering

More information

REALTORS AND FHA WORKING TOGETHER TO HELP PEOPLE FULFILL THE AMERICAN DREAM

REALTORS AND FHA WORKING TOGETHER TO HELP PEOPLE FULFILL THE AMERICAN DREAM Shopping for a Mortgage? FHA Improvements Benefit You FHA Insured Mortgages Realtors and FHA: Partners in Homeownership National Association of REALTORS FHA REALTORS AND FHA WORKING TOGETHER TO HELP PEOPLE

More information

Flood Insurance for Risk Managers

Flood Insurance for Risk Managers Flood Insurance for Risk Managers Basics of the National Flood Insurance Program August 20, 2012 Susan W. Wilson DHS/FEMA Region IV NFIP Created by National Flood Insurance Act of 1968 THIS Adopt a local

More information

Employment Verifications

Employment Verifications WORKFORCE SOLUTIONS Employment Verifications Peace of mind delivered. Bring security to your employment verification process with controlled information release. Employees 24-hour access to secure personal

More information

Contact Information Type Company/First Name Last Name Email Phone Title Ownership Ind Sparky Doodle john@comergence.com 5555555555 100%

Contact Information Type Company/First Name Last Name Email Phone Title Ownership Ind Sparky Doodle john@comergence.com 5555555555 100% Application Information Application Type Closed Loan Seller Appying To Matador Mortgage Corp Account Executive Marky Mark Company Information Regulatory Alaska USA Mortgage Company, LLC Sparky Corp, LLC

More information

The UK s leading. claims and technical support services provider

The UK s leading. claims and technical support services provider H pers WELCOME Sidney H Hooper & Co Ltd are widely recognised as the leading engineering and claims inspections services provider to the insurance sector since 1967. Today we have taken that experience,

More information

Principal Lending Manager Education Curriculum Outline 40 Hours

Principal Lending Manager Education Curriculum Outline 40 Hours Principal Lending Manager Education Curriculum Outline 40 Hours Utah Division of Real Estate PO Box 146711 Salt Lake City, UT 84114-6711 Subject Matter Number of Hours 1. General Mortgage Industry Knowledge

More information

JANUARY 2014. Shopping for a mortgage? What you can expect under federal rules

JANUARY 2014. Shopping for a mortgage? What you can expect under federal rules JANUARY 2014 Shopping for a mortgage? What you can expect under federal rules You ll be offered a mortgage that s set up to be affordable. When you apply for a mortgage, you may struggle to understand

More information

GLOSSARY OF TERMS. Amortization Repayment of a debt in regular installments of principal and interest, rather than interest only payments

GLOSSARY OF TERMS. Amortization Repayment of a debt in regular installments of principal and interest, rather than interest only payments GLOSSARY OF TERMS Ability to Repay (ATR) The Ability to Repay rule protects consumers from taking on mortgages that exceed their financial means, by mandating the documentation / proof of income and assets.

More information

Home Affordable Foreclosure Alternatives (HAFA)

Home Affordable Foreclosure Alternatives (HAFA) Home Affordable Foreclosure Alternatives (HAFA) Training for Trusted Advisors Agenda 1 2 3 4 5 6 7 Overview HAFA Eligibility Criteria HAFA Policy HAFA Documentation Protections Against Unnecessary Foreclosure

More information

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410-8000

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410-8000 August 19, 2011 To: All Approved Mortgagees Mortgagee Letter 11-29 Subject Federal Housing Administration s (FHA) Maximum Loan Limits Effective October 1, 2011 through December 31, 2011 Purpose This Mortgagee

More information

ILLINOIS ASSOCIATION OF REALTORS HOUSING POLICY

ILLINOIS ASSOCIATION OF REALTORS HOUSING POLICY ILLINOIS ASSOCIATION OF REALTORS HOUSING POLICY ILLINOIS ASSOCIATION OF REALTORS HOUSING POLICY As an Association, we reaffirm our commitment to the goal of decent housing and a suitable living environment

More information

A PRIMER FOR BANKERS ON THE IMPLEMENTATION OF THE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT

A PRIMER FOR BANKERS ON THE IMPLEMENTATION OF THE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT A PRIMER FOR BANKERS ON THE IMPLEMENTATION OF THE SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT John Charles Fleming Hays & Owens L.L.P. 807 Brazos Suite 500 Austin, Texas 78701 (512) 472-3993

More information

LENDING & MORTGAGE Payday & Title Loans-Advanced Fee Loans-Predatory Lending-Reverse Mortgage-Property Tax Freeze

LENDING & MORTGAGE Payday & Title Loans-Advanced Fee Loans-Predatory Lending-Reverse Mortgage-Property Tax Freeze LENDING & MORTGAGE Payday & Title Loans-Advanced Fee Loans-Predatory Lending-Reverse Mortgage-Property Tax Freeze Decisions about credit and loans involve a number of factors, including how much money

More information

how much is car repair insurance : The User's Guide

how much is car repair insurance : The User's Guide how much is car repair insurance : The User's Guide how much is car repair insurance actually carries a great offer for his or her customers giving users unlimited access and downloads. HOW MUCH IS CAR

More information

Financing Residential Real Estate

Financing Residential Real Estate Financing Residential Real Estate Chapter 1: Finance and Investment Borrowing Money to Buy a Home Investments and Returns Types of Investments Ownership Investments Debt Investments Securities Investment

More information

How To Close A House On A Mortgage

How To Close A House On A Mortgage Coming to Grips With Settlement Coming to Grips With Settlement What to Know Before Your Closing The closing, also known as the settlement, is the last step in getting your mortgage and actually becoming

More information

Real Estate Appraisals and Evaluations: Appendixes A D Effective date April 2011

Real Estate Appraisals and Evaluations: Appendixes A D Effective date April 2011 Real Estate Appraisals and Evaluations: Appendixes A D Effective date April 2011 Section A.4140.1 APPENDIX A APPRAISAL EXEMPTIONS This appendix provides a commentary on the twelve exemptions from the agencies

More information

COMMERCIAL APPRAISAL DESK REVIEW PROPERTY. TWO South Shore Drive Miami Beach, Fl 33341. Prepared for. First National Bank.

COMMERCIAL APPRAISAL DESK REVIEW PROPERTY. TWO South Shore Drive Miami Beach, Fl 33341. Prepared for. First National Bank. File Number: NOT AN APPRAISAL COMMERCIAL APPRAISAL DESK REVIEW PROPERTY This is a sample Desktop Review. Each appraiser and client will have their own set of requirements for reviewing an appraisal. Therefore,

More information

Department of Banking and Insurance - What Creditors Should Know

Department of Banking and Insurance - What Creditors Should Know INSTRUCTIONS The Mortgage Stabilization and Relief Act, P.L. 2008, c. 127, ( the Act ) enacted on January 9, 2009, requires the Department of Banking and Insurance (Department) to promulgate regulations

More information

FOR SALE: TWO COMMERCIAL BUILDINGS

FOR SALE: TWO COMMERCIAL BUILDINGS FOR SALE: TWO COMMERCIAL BUILDINGS ON OVER 1/2 ACRE LOT WITH 150 OF FRONTAGE ON ANDREWS AVENUE 10 NW 40TH COURT 4047 N. ANDREWS AVE. ASKING PRICE: $549,000 4047 N. ANDREWS AVENUE (1,560 SF) 10 NW 40TH

More information

Realty Associates 1223 Antoine Houston, TX 77055 Phone 713-530-2455 Fax 281-901-9662

Realty Associates 1223 Antoine Houston, TX 77055 Phone 713-530-2455 Fax 281-901-9662 Thank you for the opportunity to represent you in the purchase of your new home. I think of my clients as individuals with specific needs. With this in mind, my team and I strive to give you exceptional

More information

Homebuyer Education: What You Need to Know

Homebuyer Education: What You Need to Know Homebuyer Education: What You Need to Know Today s Objectives Prepare your finances for home ownership Steps to mortgage prequalification Shopping for a home- who are the major players? Choosing the correct

More information

Then add any financial assets you have, like your house, car, motorcycle, or RV.

Then add any financial assets you have, like your house, car, motorcycle, or RV. Use Personal Finance to view account balances and transactions from all of your financial institutions. Get a complete financial picture from the security and convenience of your Internet Banking. Personal

More information

The City of MIDWEST CITY GRANTS MANAGEMENT DEPARTMENT Terri L. Craft, Grants Manager. MIDWEST CITY Homebuyer Assistance Program

The City of MIDWEST CITY GRANTS MANAGEMENT DEPARTMENT Terri L. Craft, Grants Manager. MIDWEST CITY Homebuyer Assistance Program The City of MIDWEST CITY GRANTS MANAGEMENT DEPARTMENT Terri L. Craft, Grants Manager Grant Amount: $5,000.00 MIDWEST CITY Homebuyer Assistance Program The Homebuyer Assistance Program promotes homeownership

More information

CHAPTER 3: LENDER APPROVAL 7 CFR 3555.51

CHAPTER 3: LENDER APPROVAL 7 CFR 3555.51 3.1 INTRODUCTION CHAPTER 3: LENDER APPROVAL 7 CFR 3555.51 A lender is defined as an entity that originates, services, or holds a loan guaranteed by the Agency. The SFHGLP is not intended to promote risky

More information