Check out the quick-guide for more details on AppraiserLoft!

2. “
responsive both in time and particular help to me on my
results. Capping off the service delivery appraisal orders through your
and quality control is their stable company. Great job ladies—glad
pricing. We are now able to you’re on our team.
effectively provide our ~ Avery Browder, First Omni
We appreciate all customers with realistic pricing
AppraiserLoft has done for us to nationally, without individual pricing You guys have been
smooth out this new spikes around the country. With all of great. I have only used you 2
process. It makes a difference these items together NGFS has been times but I look forward to future
when a vendors seeks to understand able to, again, successfully business since you have been
our business and constantly makes maintain its Service Delivery very good on contacting my borrowers,
changes to meet our needs. Standard to our customers. scheduling everything, and getting the
Your process flexibility, timely ~ Bob Shields, NGFS (First Mariner appraisals back in a timely manner.
communication and drive to Bank) Thanks again.. whoever I’m actually
understand us sets you apart from your speaking to.
competition. We found working with AppraiserLoft ~ Steve Coverdale, MLD Mortgage Inc.
~ Matt Mallery, CMH Homes Inc. an incredible experience dba, The MoneyStore
Next Generation Financial Services, a
Division of 1st Mariner Bank (NGFS)
started using Appraiserloft several
months ago due to issues with delivery
time, appraisal quality and variations
of costs. With the technology platform
provided by Appraiserloft’s “Dashboard”
internet site, we
found
an immediate
improvement in the levels of
communication providing more
and we highly recommend their
services. Security One has tried
diligently for years to find the right
company that could understand
the difference between being a vendor
and being a partner. We have found
our partner and are excited to
share our testimonials with the whole
industry.
~ Dave Bancroft, Security One Lending
Along with recommending the
“
I have had several very difficult
appraisals, and my team has been
most helpful. They also listened
to my complaining, without complaint.
They are always
helpful, offer
great customer service
and have great personalities. They are
an asset to your company.
~ Evelyn Salyer, First Omni
responsive delivery times. When appraiser on this report, I just wanted
dealing with corrections or issues of to give kudos to the support team we
quality control, again we find the have for First Omni—they have been of
Appraiserloft system as much more

3. our mission
AppraiserLoft is a leading provider of comprehensive collateral valuation products targeted
towards the mortgage lending, servicing and insurance industries. Our mission is to deliver
a top quality appraisal product to our clients while providing Fanatical Customer Service,
true values, state-of-the-art technologies, customized data systems and the highest level of
integrity in the valuation industry.
Welcoming smile to make your borrowers
feel at ease and to show confidence.
Professional and/or business casual
work attire.
Working hands to take notes, measure,
make calls, etc.
Comfortable yet fashionable shoes to
walk the property.

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interface is the most AppraiserLoft is data parsing strategies. independent, third party
intuitive and sophisticated committed to providing Through XML data appraisal management
in the appraisal our clients with parsing, we can build company and we are fully
management business. paramount customer custom appraisal compliant with all off the
service. We guarantee summary reports or policies and procedures
that when you call you will deliver pieces of your outlined within the
speak with a live appraisal to multiple Home Valuation Code of
team member every locations. Conduct (HVCC).
time and will receive a
response to an online
inquiry inside of 30
minutes.

5. table of contents
corporate overview 5-6
nationwide presence 6
product overview 7-10
customer service 11-12
professional compliance 13-14
quality assurance 14
warranty technology 15-16
AppraiserLoft protects the
Lender, Transferee, or reverse mortgage specialization 17-18
Assignee Lender against
an actual financial loss if customization 19-21
the warranted appraisal
report is ultimately turn time report 22
determined to be in
excess of the variance of HVCC compliance & guidelines 23-24
the value of the collateral.
FHA appraisal compliance 25-26
summary of warranted appraisal 27-28

6. becoming the
nation’s leader
in appraisal management
viva le pajar de valuador
Experience the difference.
We’re makin’ it happen
everyday!
5

7. corporate overview
corporate overview
AppraiserLoft was founded in 2006 with a goal to become the nation’s leading
provider of residential real estate valuation services through an unparalleled level
of customer service and attention to detail.
AppraiserLoft offers a comprehensive range of residential appraisal products
providing our clients with the security and fraud prevention benefits of a traditional
appraisal management company, without the inefficiencies and quality control
problems that typically plague such organizations.
nationwide presence
AppraiserLoft provides a nationwide network of appraisers with coverage from the
largest cities to the smallest rural communities. We continually monitor our
nationwide presence and recruit the most qualified residential appraisers in
growing and under served market areas.
AppraiserLoft appraisers are state certified residential appraisers who have been
selected for their ability to provide the optimal balance of rapid turn around times,
high quality reports, and reasonable rates.
By staying in tune with national market trends, AppraiserLoft is able to assure our
clients that they are paying reasonable, market specific prices, while receiving top
quality appraisals in optimal time.
pres-ence (prez’ens)
1. the state or fact of being present; current
existence or occurrence.
2. impressive personal appearance or bearing. 6

8. ser-vice (sur’vis)
product overview
uniform residential appraisal report (URAR) FNMA 1004
• The standard fannie mae summary appraisal report.
• Considers market value trends, supply and demand and marketing times.
• Provides indicated value by cost approach, where appropriate.
• Provides a sales comparison analysis grid with indicated value by sales
comparison approach.
• Quantitative adjustments to comparable sales.
• Estimates a specific market value.
exterior only inspection residential appraisal report FNMA
2055
• Summary appraisal report documentation including extensive property information.
• Provides quantitative adjustments to comparable sales.
• Estimates a specific value.
condo appraisal FNMA 1073
• Considers market value trends, supply and demand, and marketing times.
• Room count and actual square footage by GLA.
• Notes condition of improvements, depreciation, repairs needed, and quality of
construction.
• Project and phase information includes number of units, number of units for sale,
and number of units currently rented, enabling assessment for any location risk
within the complex.
7

9. product overview
1. an act of helpful activity; help; aid: to do someone a service.
2. the providing or a provider of appraisal accommodation and
activities required by the public, as maintenance, repair, etc.
exterior-only Inspection individual condominium unit
appraisal report 1075
• Designed to report an appraisal of unit in a condominium project or a condominium unit in a
planned unit development (PUD).
• Includes a visual inspection of the exterior areas of the subject property from at least the
street.
• Inspect and analyze the condominium project.
• Inspect the neighborhood.
• Inspect each of the comparable sales from at least the street.
• Estimates a specific market value.
prod-uct (prod’ekt)
1. commodities offered for sale.
2. an artifact that has been created by some-
one or some process. 8

10. val-ue (val’yoo)
multi-family appraisal FNMA 1025
• Small residential income property appraisal report for two-to-four family residences.
• Provides neighborhood, site, and improvement descriptions.
• Provides general description of subject’s physical structure.
• Notes condition of improvements, depreciation, repairs needed and quality of
construction.
• Includes an analysis of market rents, with rent comparables.
• Sales comparison, income including, and cost approaches are all considered in
estimating market value.
FHA appraisal
• Property inspected and report written by an FHA certified appraiser.
• URAR, multi-family, or duplex may apply.
• Considers market value trends, supply and demand, and marketing times.
• Provides a sales comparison analysis grid with indicated value by sales comparison
approach.
• Quantitative adjustments to comparable sales.
• Estimates a specific market value.
condition and marketability report FHLMC 2070
• Summary appraisal report that conforms to USPAP requirements.
• Reports general condition of the subject property and marketability factors.
• Reports current market conditions of the neighborhood.
• Option for upgrade path as adverse factors are observed.
• No estimate of market value.
9

11. 1. a principle, standard, or quality considered
worthwhile or desirable.
2. (values) a person’s principles or standards.
property inspection report plans/specs appraisal
FNMA 2075 • Used to determine estimated market value, new
• Exterior inspection of the subject property from the construction, reviews plans and specifications.
street. • Provides general description of subject’s
• Report consists of limited subject property and exterior, foundation, basement, and insulation.
marketability factors. • Provides sales comparison analysis grid with
• No estimate of market value. indicated value by sales comparison approach.
land appraisal report
• Estimates the market value of unimproved sales
suitable for residential development.
• Includes a signed appraiser’s certification.
10

12. Fanatical customer
service is the bread and
butter of our business.
Top 5 reasons why we rock.
We build our business to promote Customer Loyalty.
We provide true customer service.
Our philosophy: “The customer is always right”.
We are honest with our customers.
We educate our staff to be equally as concerned about
your customers as you are.
11

13. customer service
customer service
At the core of our customer service center is our tried-and-true call monitoring
system where each incoming call is automatically routed to the appropriate staff
member. Every corporate client has an account manager assigned to their account
and is available to assist the client by providing:
• Personalized service for the account.
• A fixed point of contact within AppraiserLoft from start to finish.
• Comprehensive information about products and services.
• Peace of mind knowing that any questions or problems are being handled by an
experienced professional.
• Contact and feedback from someone who is dedicated to making sure your
appraisals are done quickly and correctly.
• A live voice every time. You will never be routed to voicemail.
The AppraiserLoft system ensures a prompt answer to incoming calls and
guarantees a level of customer satisfaction unparalleled in the industry. We
respect our customer’s time and strive to fulfill their needs as effectively and
efficiently as possible.
Your success, our passion.
Your success, our passion.
Your success, our passion.
fa-nat-i-cal (f -nat’i-k l) e e
1. marked by excessive enthusiasm for and
intense devotion to a cause or idea.
12

14. When an appraisal management
company truly understands your business, it
does more than improve your results -
it improves your bottom line.
13

15. professional
compliance/QA
professional compliance
AppraiserLoft appraisers are professionally certified by the state in which the
property is located. Our customers can feel secure knowing that the
professional standards outlined by the Uniform Standards of Professional Appraisal
Practice (USPAP) and Financial Institutions Reform Recovery and Enforcement Act
(FIRREA) guidelines are always observed.
quality assurance
AppraiserLoft is committed to providing the highest quality residential valuation
services possible. Every appraisal we deliver passes through a checkpoint system
which confirms completeness and other basic quality control issues. We continually
monitor and adjust our processes in order to maximize the quality of our products
and the speed of their delivery. Some appraisal management companies use
automated review systems that attempt to analyze the data selection and value
conclusions of the appraiser. Experience has shown us that such systems are often
unreliable, and counterproductive. These automated quality evaluations tend to
reduce efficiency by flagging those issues that an experienced and competent real
estate appraiser would have already identified and addressed. AppraiserLoft
manages quality proactively by insisting on the best work from both staff and
appraisers. Instead of using automation, employing underpaid, or unqualified staff
to review every appraiser’s analysis, each report is professionally reviewed by our
in house review staff who hold the appraiser to the highest standards required by
them as certified professionals.
qual-i-ty (kwol-i-tee)
14
1. character with respect to fineness, or grade of
excellence.
2. producing or providing products or services
of high quality or merit.

16. Tech
Knowledge
We lead the appraisal management
business with cutting edge technology.
Don’t miss out!
Enhance productivity
for all employees
Reduce costs
Enhance collaboration
and communication
Recruit the most
talented minds
Attract new customers
Accessible from any
computer with Internet
capabilities
Scalable for companies of
all sizes

17. technology/security
technology
AppraiserLoft has the most sophisticated and intuitive user interface in the
appraisal management industry. AppraiserLoft customers can order, make payment
and track their appraisals directly from any web enabled computer. Our roots are as
a provider of cutting edge technological solutions to the residential
mortgage industry and our focus continues to be on the development and
deployment of technology to improve the efficiency and quality
of the appraisal process. As such, AppraiserLoft will continue to set
the industry standard for years to come.
security
AppraiserLoft meets or exceeds all security guidelines in place
for the real estate and mortgage industries. All transactions through
our web portal or XML/API are secured with industry standard
128 bit encrypted connections. Your transactions are viewable
only by your support team and only when they need access.
Additionally, each appraisal report is secured against any
unauthorized tampering before delivery to the client.
tech-nol-o-gy (tek-nol -je) e
16
1. the application of practical or mechanical
sciences to industry or commerce.
2. the scientific methods or devices used in a
particular field.

18. As a representative of AppraiserLoft, and by extension the lender, we require
our appraisers to take into consideration the unique expectations and support
levels that are essential when working with our seniors. Often times the
appraiser is one of the few, if not the only, personal interactions a senior will
have during their Reverse Mortgage loan closing process. For this reason, we
understand that it is essential for the appraiser to conduct their inspection
with the utmost care, respect and professionalism for our senior clients.
Obtaining a loan is a highly
sensitive process. It is our job
to ensure that this experience
is as pleasant as possible.
17

19. reverse mortgage
specialization
reverse mortgage specialization
We understand that senior clients are very special and deserve to be treated as such. Therefore, in accordance with our
clients’ expectations and requirements we ask that each member of our professional appraisal panel who chooses to be
qualified to perform Reverse Mortgage appraisals adhere to the following guidelines and expectations. These guidelines are
offered based on our significant experience working with Reverse Mortgage clients. It is our intention to make the appraisal
portion of the loan process run as smoothly as possible. We know that for many Reverse Mortgage borrowers, obtaining a loan
on their family home is a highly sensitive and unfamiliar process. It is our job, and by extension, the appraiser’s to ensure that
this experience is as pleasant as possible.
• Appraiser will contact the borrower promptly upon • Appraiser will do their best to listen to the
receipt of the order, will mention the name of the borrower and provide a full explanation of their
lender on whose behalf they are calling and be as inspection process and requirements.
detailed as possible about the reason for their call.
• Appraiser will submit the final report to our
• Appraiser will only call the borrower during office within 48 hours of completion of the
acceptable hours (before 7 p.m. local time) or inspection. If they are experiencing
within specific time frames as set forth by the delays for any reason, they are to advise
lender upon initial order. AppraiserLoft via phone or email so we may
advise the LO immediately.
• Appraiser will arrive on time for all
inspections – In case of any delay, the • Appraiser should do their best to be aware of any
appraiser must contact the borrower potential fraud issues or elderly abuse and
immediately to reschedule or manage expectations. report them to AppraiserLoft immediately.
• Appraiser will refer the borrower to their • Appraiser will dress professionally.
lender for any specific questions related to
pricing, the loan terms or the process. • Appraiser will use appropriate language when
addressing the borrower. The use of foul language for
• Appraiser will adhere to all FHA any reason is not tolerated.
guidelines and provide detailed explanations and
photos for any repair, deferred maintenance • Appraiser will not smoke on or near the
concerns or cost to cure items. borrower’s property.
u-nique (yoo-neek)
1. having no like or equal;
unparalleled; incomparable.
18

20. AppraiserLoft knows that every client is different and each one has unique
underwriting guidelines, as well as workflow and process requirements
that are created to meet their specific needs. We realize that building a
uniform approach to your valuation needs isn’t always the best path toward
improving your daily workflow. With that in mind, AppraiserLoft places
significant focus on customizing our process, platform and support teams to
meet your specific needs.
AppraiserLoft Customization Options include:
• Process and workflow customization
• Quality control review and compliance customization
• XML appraisal data parsing and customized delivery
• Appraisal platform LOS integration and customization
• Billing and pricing customization
• Support team and process customization
• Quick integration process utilizing MISMO standard specifications
Regardless of your specific requirements, AppraiserLoft will work to
build a custom package that best suits your business model. As an
AppraiserLoft client, you are given the keys to unlock the doors of your
valuation imagination. If it can be done, we will make it happen.
Our ability to listen to our clients and to design and implement solutions
makes AppraiserLoft a valuable business partner. We strive to be
more than just a vendor we want our team to be an extension of your
production staff.
19

21. customization
customization
process and workflow customization Through consultation and discussion, AppraiserLoft
AppraiserLoft shapes our internal workflow around will determine your list of QC and compliance
the specific needs of each client. Our clients vary requirements. Your specific QC items become
greatly in size, available technology, product focus an automated review checklist that is applied to
and process requirements. As a true valuation partner, each order prior to delivery. This way, we can
we must be flexible in how we receive, manage and further ensure that the appraisal you receive does
deliver appraisal orders. In the end, our goal is to not need to go back to the appraiser for simple
make your production run as smoothly and efficiently corrections or adjustments.
as possible.
Quality Control Review and Compliance
Process and Workflow Customization Customization includes:
Options include: • Creation of custom QC requirements
• Order acceptance through XML, fax, phone, email • Assignment of custom requirements in
or through our award winning web-based appraisal automated review system
management portal • Automated review of each custom QC or
• Tracking and management tiers which allow for compliance item prior to delivery of appraisal
varying degrees of access to your appraisal files • Manual review of QC and compliance
• Multiple appraisal delivery options such as direct requirements
email via our appraisal portal or direct delivery into
your LOS through XML integration billing and pricing customization
• MISMO standard integration process ensures AppraiserLoft understands that not all transactions
minimal start up delays are the same when it comes to method and timing
of payment. In order to meet those varying needs,
quality control review and our system allows for multiple payment and billing
compliance customization options.
Quality control and regulatory compliance are a top
concern of most lenders. AppraiserLoft takes these Whether our clients prefer to require payment up
concerns very seriously. In an effort to address this front or at closing, our system can accommodate
need, we offer customized quality control review for all options on a transactional or standard practice
each appraisal. basis.
XML (eks’em-el)
20
1. A metalanguage that allows one to design
a markup language, used to allow for the
easy interchange of documents on the
World Wide Web.

22. Billing and Pricing Customization Support and Process appraisal platform LOS
Options include: Customization includes: integration
• Credit card payment prior to order • Dedicated support teams and customization
commencement • Custom account requirements With the multitude of LOS systems on
• Credit card payment via the training the market, AppraiserLoft recognizes
AppraiserLoft portal • Customized workflow and client that providing only one appraisal
• Credit card and check by phone interaction based on client management and ordering portal
• Net billing for pay at close recommendations would limit our client’s ability to easily
• Flat rate national pricing • Custom reporting and appraisal order appraisals through their
• Regional pricing tiers preferred system. Clearly, it is in the
• Volume based flat rate pricing best interest of our clients that we
XML appraisal data provide a path toward ordering and
parsing and receiving appraisals directly to and
support team and process customized delivery from their LOS.
customization AppraiserLoft is a leader in XML
Support is an essential component of integration and data parsing AppraiserLoft places a priority
any successful real estate transaction. strategies. Through XML data parsing, on direct and custom integration
When managing multiple appraisals on we can build custom appraisal whenever possible. Regardless of
a national scale, having solid support summary reports or deliver pieces of your LOS, we will work to make
who is aware of and built around your your appraisal to multiple locations. ordering and receiving appraisals
specific needs, processes and practices Our system allows a client to order an a seamless process. Our team of
is extremely important. appraisal via a direct XML integration developers and integration specialists
then have the ability to design custom has the skill, integration experience
AppraiserLoft provides each client with reports or data repositories that are and desire to make any custom
a dedicated support team that is trained powered by their own appraisal data. integration a reality.
and built around your specific practices
and preferences. This process removes XML Appraisal data and Appraisal Platform LOS integration
the need for repeated appraisal or Customized delivery Options and Customization Options include:
service corrections that come with most include: • Direct integration to any existing
AMC’s. AppraiserLoft ensures a smooth • Custom appraisal data parsing pre-built LOS system
transaction by customizing our support • Custom appraisal summary report • Direct integration into any
team around your needs as a client creation proprietary LOS system
• Data delivery to multiple • Custom XML ordering and delivery
destinations, products and • Zero development charge
databases
• Zero development cost
21

23. turn time report
Alabama 0.34 4.02 Missouri 0.14 3.51
Alaska 0.88 5.57 Montana 0.14 8.08
Arizona 0.09 3.5 Nebraska 0.26 5.33
Arkansas 0.46 4.25 Nevada 0.24 5.12
California 0.11 4.65 New Hampshire 0.42 4.29
Colorado 0.38 4.94 New Jersey 0.15 5.07
Connecticut 0.02 5.56 New Mexico 0.07 3.82
delaware 0.04 3.06 New York 0.14 4.76
district of Columbia 0.12 3.3 North Carolina 0.12 4.28
Florida 0.09 6.06 North dakota 0.12 4.88
Georgia 0.14 5.37 Ohio 0.42 7.03
Hawaii 0.36 6.62 Oklahoma 0.09 4.26
idaho 0.28 3.46 Oregon 0.31 3.83
illinois 0.12 4.17 Pennsylvania 0.25 5.79
indiana 0.22 2.34 Rhode island 0.04 7.24
iowa 0.44 4.48 South Carolina 0.19 4.08
Kansas 0.25 5.48 South dakota 0.19 4.42
Kentucky 0.29 3.35 tennessee 0.16 4.98
Louisiana 0.39 3.97 texas 0.56 4.59
Maine 0.33 4.3 Utah 0.15 3.83
Maryland 0.05 4.13 Vermont 0.75 5.92
Massachusetts 0.07 3.44 Virginia 0.15 4.84
Michigan 0.13 3.66 Washington 0.08 3.96
Minnesota 0.32 3.48 West Virginia 0.04 4.68
Mississippi 0.31 4.94 Wisconsin 0.36 3.71
Wyoming 0.02 4.06
days from order
days from order
to acceptance
to acceptance
to complete
to complete
avg. days
avg. days
order
order
state state
22