Quality built into the appraisal process.
We check appraiser qualifications before assignment, review reports before delivery and follow up on questions about the work. This page explains those checks and how we protect appraisal independence.
Appraisal independence
Independent analysis. Clear accountability.
An appraisal needs independent analysis, so Avisso stands between loan production and the appraiser. Our selection and communication policies are designed to protect the appraiser’s independent judgment, in line with Appraiser Independence Requirements and Dodd-Frank §1472.
- Selection by AvissoAll client appraisal orders are assigned based on the appraiser’s geographic competence, qualifications and experience with the property type. Selection remains independent of loan production.
- Communication routed and loggedQuestions about the appraisal’s value or analysis are routed through Avisso and documented.
- 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 joins the panel, we confirm their credentials and standing and read samples of their work. Appraisers tell us the areas, property types and methods they’re competent to work in, and each order is matched against them.
| Check | What is verified | When |
|---|---|---|
| License | Active state credential, checked with the state licensing authority and the Appraisal Subcommittee registry, plus FHA roster status for FHA assignments | Onboarding and renewal |
| E&O insurance | Current errors and omissions insurance policy and limits | Onboarding and renewal |
| Work samples | Sample appraisals reviewed for content, quality and USPAP compliance | Onboarding |
| Geographic competency | Knowledge of the market where the property is located and access to the data needed for it | Onboarding and per assignment |
| Property-type competency | Experience with the subject’s property type and complexity | Per assignment |
| Performance history | Review findings, revision patterns and timeliness across completed assignments | Ongoing |
| Disciplinary history | State licensing board actions and any pending disciplinary proceedings | Onboarding and renewal |
Quality-control framework
Quality checks throughout the assignment.
Four stages, from choosing the appraiser to handling questions after delivery.
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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.
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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.
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03
Before delivery
The report is reviewed before you receive it.
- Review Automated checks for completeness and consistency, then review by a person before release.
- Support Comparable selection and adjustments supported and explained.
- Validation UAD and GSE requirements met on relevant residential assignments.
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04
After delivery
Questions after delivery are handled and recorded.
- Revisions Report conditions and revision questions addressed with the appraiser.
- ROVs Evaluated on factual errors, comparable data and documentation.
- Monitoring Findings recorded against appraiser performance. Appraisers can respond to concerns; unresolved issues can lead to removal from the panel.
Further readingWhat a useful appraisal quality review checks
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. The appraiser’s response is reviewed with the same care as the original report before it returns to you. 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 guideFurther readingHow to submit useful alternative sales for an ROV
Updated 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.
Further readingAMC due-diligence questions worth asking
Escalation and issue ownership
Know who to contact.
Your contact
File status and general questions. Start here for order status and general questions.
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.