Debra was hired to perform an appraisal for a refinance. Her initial response time and scheduling a visit was timely. Filing of the appraisal report was acceptable--not great, not poor. The actual appraisal was completely unacceptable. The report noted no major remodeling in the previous 15 years despite a 70K remodel residing, re-roofing, building new 3 car attached garage, new flooring through out, adding an egress window to make a 5th legal bedroom, new paint through out and new appliances and contained pictures from a listing pre-remodel during the summer. Comparable properties were selected solely on proximity to the subject property with little to no consideration to the number of bedrooms--the comparables had 3 bedrooms compared to the 5 of the subject property, a full basement compared to houses with no basements, 3 car oversized attached garage compared to homes with no garage or a 2 car detached garage. The subject property also has a 30X40 heated and cooled workshop with 2 automotive lifts and while pictures of the shop were included, no value was given for the shop and no comparables had a shop (not like there are many of these.) The appraiser missed the appraised value by 125K on a 450K home. An appeal was immediately filed with a SOW and budget as well as 2 CMAs from known realtors. After 12 days, the original appraisal report was sent back with no explanation of why the CMAs were wrong or missing a complete remodel. I cannot more strongly suggest staying away from this appraiser as they are incompetent, lazy or simple do not care in the least. read more