Quality built into the appraisal process.
Quality starts with the assignment and continues through review and delivery. Explore how Avisso approaches appraiser qualifications, independent analysis and questions that need further attention.
Appraisal independence
Independent analysis. Clear accountability.
An appraisal needs independent analysis, so Avisso stands between loan production and the appraiser. That is how Appraiser Independence Requirements and Dodd-Frank §1472 are applied in practice.
- Selection by AvissoWe choose the appraiser on competency. Loan production doesn’t select, contact or influence them.
- Communication routed and loggedAnything said about value goes through Avisso and is recorded.
- No pressure or value targetsA documented policy prohibits pressure, coercion and value targets.
- Written policy on requestThe written independence policy is available on request.
Competency and credentialing
Relevant experience for the assignment.
Before an appraiser sees an order, we check that they’re licensed, insured and in good standing. Before they see a particular order, we check that they know the property type and the market.
| Check | What is verified | When |
|---|---|---|
| License | Active state credential and Appraisal Subcommittee registry status | Onboarding and renewal |
| E&O insurance | Current errors and omissions insurance policy and limits | Onboarding and renewal |
| Geographic competency | Experience in the market where the property is located | Onboarding and per assignment |
| Property-type competency | Experience with the subject’s property type and complexity | Per assignment |
| Performance history | Revision patterns, timeliness and review findings | Ongoing |
| Disciplinary history | State licensing board actions | Onboarding and renewal |
Quality-control framework
Quality checks throughout the assignment.
Four stages, from choosing the appraiser to handling questions after delivery.
-
01
Before assignment
The right appraiser, confirmed before the order is placed.
- Credentialing License and registry status verified.
- Competency Matched to property type and market.
- Capacity Availability checked against the due date.
-
02
During the order
The order is followed and contact stays independent.
- Monitoring Status tracked and shared at milestones.
- Communication Lender–appraiser contact routed through Avisso.
- Exceptions Access, scope and fee issues handled to resolution.
-
03
Before delivery
The report is reviewed before you receive it.
- Review Report reviewed before release.
- Support Comparables and adjustments defensible.
- Validation UAD and GSE requirements met on relevant residential assignments.
-
04
After delivery
Questions after delivery are handled and recorded.
- Revisions Conditions cleared with the appraiser.
- ROVs Evaluated on factual errors, comparable data and documentation.
- Feedback Findings recorded against appraiser performance.
Revision management
Clear revision requests.
When a report comes back with conditions, we check them against the report and your requirements first, so the appraiser gets one consolidated, specific request instead of a series. Turnaround on revisions is tracked.
Reconsideration of value
A clear route for reconsideration.
A reconsideration of value asks the appraiser to review a concern about the report, such as a factual error or relevant information that may have been overlooked. Follow the lender’s submission process. The appraiser remains responsible for the valuation conclusion.
Concerns about possible bias or inappropriate conduct should also be raised through the lender’s complaint process.
The full ROV guideUpdated residential appraisal reporting.
Uniform Appraisal Dataset (UAD) 3.6 introduces an updated reporting standard and redesigned Uniform Residential Appraisal Report. Visit the hub for transition information.
Vendor information
Information for your vendor review.
Evaluating Avisso as an appraisal management partner? Tell us what your team needs to review, and we’ll discuss the information and supporting materials available.
Registration and coverage
Questions about AMC registration and availability for your assignments.
Appraiser independence
How appraiser selection and communication are handled.
Quality and review
Questions about appraiser qualifications, report review and revision handling.
Insurance and business information
Requests for insurance information, tax forms and company details.
Security and privacy
Questions about handling property, client and borrower information.
Business continuity
Questions about service continuity and how disruptions are addressed.
Have a vendor checklist?
Share your requirements with Avisso so we can discuss what’s needed for your review.
Escalation and issue ownership
Know who to contact.
Your contact
File status and general questions. Your first call for anything.
Operations lead
Reassignment, scope and fee questions.
Review appraiser
Valuation questions, revisions and reconsiderations of value.
Start with your Avisso contact and include the order number, the issue and what you need clarified.
Review Avisso with confidence.
Request vendor information or talk with us about the questions your team needs answered.