Purchase and Refinance Appraisals Accurate Values for Your Loan
USPAP-compliant appraisals for home purchases, refinances, and PMI removal in Connecticut and Florida.
Appraisals for Every Stage of Owning a Home
Home Purchases
Confirms the price is supported by recent nearby sales.
Refinancing
Shows your equity, which affects your rate and any cash out.
PMI Removal
May show enough equity to drop private mortgage insurance.
FHA and VA
Extra property checks for safe, working homes.
You Have Options
Renegotiate
Use the appraisal to ask the seller to lower the price.
Bring More Cash
Cover the gap between the price and the appraised value.
Ask for a Review
Request a reconsideration of value through your lender, with better sales.
How Lender Appraisals Work
For most loans, the lender orders the appraisal, often through an appraisal management company. The appraiser works for the lender, not the buyer or the seller. Buyers usually pay for it at or before closing and get a copy of the report. Independence rules mean no one can pressure the appraiser toward a certain number, which protects everyone.
Private Appraisals
Not using a loan? Want a second opinion before you make an offer? We also do private appraisals ordered directly by buyers and sellers. You get an independent value built for your decision.
Full Interior or Desktop
Most loans need a full interior appraisal with a site visit. Some situations allow a desktop appraisal with no interior visit. Your lender decides which one is required.
What to Have Ready
- Access to the whole home, including the attic and garage
- A list of updates or repairs, with dates
- HOA or condo details, if any
Frequently Asked Questions
Can I pick the appraiser for my mortgage?
No. The lender assigns the appraiser. You can order a private appraisal separately if you want one.
Can an appraisal help me remove PMI?
Often, yes. If your home has gained value, an appraisal may show you have enough equity. Check your lender's rules first.
How long does it take?
The visit is 30 to 60 minutes, and reports are typically ready in a few business days.
How much does it cost?
It depends on the home and the loan type, and it is disclosed up front.
Meet the Appraisers
A mother and daughter team carrying on three generations of appraisal experience.
Catherine Hall
Certified Residential Appraiser, Owner | NY, CT, FL LicensedCatherine began her appraisal career in 1993, working alongside her mother, Joan Davies. Today she owns Heritage Valuation Group, and her USPAP-compliant reports are relied on by homeowners, attorneys, lenders, and the IRS.
Madeline Hall
Certified Residential Appraiser | CT LicensedMadeline represents the next generation of the family business. She pairs modern market insight with a detail-oriented approach, so every report is thorough, accurate, and easy to understand.
Helpful Guides
Need an appraisal for a purchase or refinance?
Serving homeowners, attorneys, and lenders across Connecticut and Florida.