Client Appraiser

We provide all types of appraisals for lenders. In addition to the traditional Full Appraisal Report we provide Limited 2055, 2065 and 2075 Reports, Field Reviews, and Desk Reviews. All reports are provided using the current industry standard forms and with all required exhibits.

Our lender clients enjoy doing business with us because they know that they can rely on getting a quality appraisal report in a time frame that works for them. Our reports meet the high requirements that your underwriters and investors have and if there is ever a question or additional documentation required we respond promptly to your needs. The area where we provide appraisals is the Greater Philadelphia area as well as portions of southwest and central Florida. Our fee schedule lists the types of appraisals we provide and fees for each.

Order an Appraisal by using our convenient Appraisal Order Form or FAX your order to us at 215-860-5148. To phone your order please call our courteous staff at 215-860-5900. Do not hesitate to contact us if you have a special request or a question. We understand your needs and pledge to provide prompt, courteous, professional service!

Relocation Companies constitute a significant part of our business. We understand Relocation Appraisals and the needs of Relocation Companies. We know how important it is to meet your time frames, give a very detailed and highly accurate report, and just as important to understand the needs of the relocating party and the stress that often goes with the relocating family.

The appraisers on our staff that provide our relocation appraisals have been highly trained on Relocation Appraisals and have completed various E-R-C sponsored courses. The area that we provide relocation appraisals for covers parts of the States of Pennsylvania, New Jersey, and Delaware. Our relocation fee schedule will be provided to you on request. We are competitive with our fees.

If you haven't signed a contract but feel that you have enough expertise that you don't need buyer broker representation you may, as many do, feel that you need a professional appraisal on a property before you start your negotiation. Property values are sometimes hard for a home buyer who only enters the market every few years to get a handle on. Especially if you are moving to a new area. Property values vary significantly throughout the country, and often in different parts of the same city! So even though you may be a skilled negotiator and know the ins and outs of buying real estate, unless you are involved in researching values on a day to day basis you probably will make money by investing in a professional appraisal. A professional appraisal doesn't cost, it pays, by giving you the peace of mind of knowing the true value of the biggest investment you will probably make in your lifetime!

Of course if you're going to get a mortgage on the property you will have to have it appraised. Most lenders have an "approved list" of appraisers that they regularly do business with. It is likely that we are already on your lender's list. So, if you have already signed a contract, but haven't applied for a mortgage loan yet ask your lender to order your appraisal from The Silverman Group, Inc. for your mortgage. Ask them to contact us and we will provide them with whatever paperwork they need if we are not already on their list.

The area where we provide appraisals is the Greater Philadelphia area and covers parts of three states, including Pennsylvania, New Jersey, and Delaware. See our Fee Schedule for a list of fees we charge for appraisals. If you aren't sure about the fees fill out our Price Quote Form and we will quickly send you a price quote for your appraisal

If you are going to sell your home you would be wise to invest in a professional appraisal. Professional appraisals do not cost money, they pay in the long run! Unless you are studying real estate values on a day to day basis like a professional appraiser does, it will be difficult for you to have a handle on real estate values. We are not talking about how much you have invested in your home, how much you paid for it, or how much you want for it. We are talking about the true market value of your home. Many people are surprised when they find out that the market value of their home is much more than they thought so investing in a professional appraisal actually allowed these people to receive several thousand more dollars than they thought they would when their home was sold. Others have an inflated opinion of their home's value and an appraisal helped them to realistically price their home in order for it to sell. An overpriced home will not attract buyers, which means no offers and no closing and that you have wasted valuable time, money, and efforts. In addition an appraisal will help you by pointing out needed repairs and visible deficiencies in the property which will allow you to correct these items before placing it on the market. It is very hard to be objective about your own home because of your emotional attachment to it. An Professional Appraiser is objective and will tell you what you need to know, not just what you want to hear.

In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer and is an independent third party's statement of your home's value, and is not just you saying how much it is worth. Your potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value statement than your opinion.

The area where we provide appraisals is the Greater Philadelphia area as well as portions of Southwest and Central Florida. See our Fee Schedule for a list of fees we charge for appraisals and our Areas page for the exact counties that we cover.

An important point is that we would like to stress is that your loan balance should be below 80% of your home's value. That is your home's current value, which is not necessarily what you paid for your home. So it doesn't mean that your loan balance has to be below 80% of the original sales price. Paying down the loan via monthly payments is one way to decrease the loan to value ratio, however your house may have appreciated in value since you purchased it. In addition if you have made significant improvements to your home the value may have increased.

Note: We are using the figure of 80% because it is a rule of thumb. Check with your lender for their specific requirements. There are literally hundreds of loan programs, all with different requirements so make sure, before you do anything, you get your lender's specific requirements, and policies about PMI removal. Once you check with your lender and find out that you are a candidate to have the PMI removed from your loan they will most likely tell you to get your home appraised. We frequently perform appraisals for PMI removal. If the lender has an approved list of appraisers that they allow you to pick from most likely we are already on it. If not we will gladly provide the information the lender needs.

The area where we provide appraisals is the Greater Philadelphia area and covers parts of three states, including Pennsylvania, New Jersey, and Delaware. See our Fee Schedule for a list of fees we charge for appraisals and our Areas page for the exact counties that we cover. .