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Appraisals

San Diego - Fireworks - CaliforniaA lot has changed since the financial crash of 2009. Brokers/lenders are no longer allowed to order the appraisal from a specific appraisal firm, nor speak to an appraiser at all. Now every investor we deal with has an AMC arrangement. Once you have approved the lenders advanced disclosures, you will be emailed a link to their AMC. You will be instructed to log into the site and pay for the appraisal on-line. There is a small difference in cost from one AMC to the next. IPM will disclose a worst-case expense for your appraisal fees on your GFE or Loan Estimate.

The appraisal is usually only good for the investor it was ordered for. If your loan is transferred to another investor, you may need to pay for a new appraisal. At IPM we encourage you to get your loan “Pre-Approved”, so there are no last minute issues with changing lenders and additional appraisal fees.

 

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Before starting your Online Mortgage Application, be sure and visit our Mortgage Application Checklist. Also, the Helpful Resources page will answer many of your questions on other loan related topics.

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Customer Reviews

"Jim went above and beyond to make my sure deal went through. Not only was he a true professional, but he also gave me a great rate and and super fast service. I will use Jim everytime and will highly recommend him for your purchases."
- D Desousa

"My wife and I have used Isle Pacifica Mortgage three times over the past 15 years or so to refinance residential loans. On each occasion, Jim was professional with many resources at his disposal. Over the years I recommended Jim to several close friends, all of whom had the same positive experience, and I would not hesitate to recommend him in the future."
  - Michael Specht