World-Class Service Nationwide Coverage

TABLE OFCONTENTS

Who We Are

Commitment To Excellence

Technology & Innovation

Process

Results

Clients

Compliance

Team & Culture

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WHO WE ARE

Since 2008, United States Appraisals has focused on providing exceptional customized appraisal management solutions. That singular focus has resulted in a professional appraiser panel and innovative process that consistently provides timely quality solutions for mortgage lenders across all 50 states.

Future-Focused Partner In The Appraisal Industry

PROVIDING SOLUTIONS IN ALL 50 STATES

We are a future-focused appraisal management company (AMC) that delivers the confidence clients desire in the valuation process. We value every client relationship by providing superior customer service at every stage, diligent quality assurance and compliance, and the most precise technology-driven results available in the industry.

Centrally headquartered in the Kansas City area, our management team has over 120 years of combined mortgage and residential real estate experience. Our #1 asset is our staff and appraiser vendors who we believe are the best in the industry.

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This high caliber expectation fuels long-term partnerships with clients that share our dedication to quality and service. We are flexible to the business needs of those we serve, and seek out client feedback to improve the efficiency of our appraisal management.

Additionally, we invest in technology to better serve our clients. We developed our own proprietary cloud-based workflow platform that efficiently analyzes apprais-als for compliance, completeness, and consistency against industry guidelines

and the client’s unique needs. It can easily be integrated with a client’s loan origination system providing a user-friendly online interface for order fulfillment, quality control notifications, and seamless workflow communication.

With our intense focus on personal service, a nationwide premier appraisal panel, and our cutting-edge online technology, United States Appraisals is the top pick for mortgage lenders from start to finish.

How We Do It

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COMMITMENT TO EXCELLENCE

A commitment to excellence is not just something we say, it’s a mindset we practice with every client and appraisal order.

We have a reputation for having open communication on both sides of the appraisal, helping to move the process along in a timely manner and reducing any issues that may arise. Our clients never experience a “black hole” of communi-cation and direction. Rather, we are available to answer calls and discuss details at any given point, and go the extra mile to keep the

process transparent and on track with timeline deliverables.

Our game plan has always been to select the best appraisers who can provide the best service level to our clients. We tier rank our appraisers so we always have the most skilled appraiser panel, anywhere in the country. We make it a point to value both our appraisers and employees, because by caring for them, they themselves will be empowered to take care of our clients.

Excellence.Every Appraisal. Every client.

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Our loyalty to excellence does not end when we deliver the appraisal report. We have a resolution department devoted to finding solutions to issues and providing additional explanation as needed. We also have a detailed and specific policy

on reconsideration of value that complies with all appraiser independence require-ments and ensures clients receive a timely response. Our commitment does not end until the client is satisfied with the final report.

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“United States Appraisals is the only AMC I have ever worked with that has a live person answer the phone every single time. It’s refreshing to know

there is a valuation company that is committed to customer service.” - NATIONAL BANK OF KANSAS CITY

TECHNOLOGYAND INNOVATION

We have developed our own proprietary cloud-based platform to do the heavy lifting of appraisal management, and it proactively supports us in staying ahead of issues. Every appraisal is rapidly analyzed against a set of 2,000 data points that check for quality control, compliance, and client specifications. It’s integral role includes:

Unrivaled Technology With A Proactive Perspective

USERFRIENDLY1

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SUPERIORSERVICE

AUTOMATEDQUALITY CONTROL

SMARTSELECTION

MOBILENOTIFICATIONS

SECURITY

A seamless process with real time measurement, tracking and communication - all from a user-friendly online portal for clients.

Review to provide a risk score to assist in identifying potential risk and ensure that it is adequately addressed.

Automated order entry components ensure consistently superior service even during peak volume periods.

Assignment process to top performing appraisers in high-volume markets, which eliminates assignment bottleneck.

Delivered to appraisers, which optimizes response time.

Secure email communication.

We have worked hard to offer full integrations with market-leading loan origination systems as well as numerous proprietary packages. Our in-house staff of technology professionals can easily connect our platform with your current systems to seamlessly pull data and process appraisals swiftly and accurately!

After being reviewed by the system, the report is then verified by an internal Certified Appraisal Review staff and resolutions are addressed immediately.

Full Integration With Other Systems

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“When we place an order with United States Appraisals, it is one piece of the mortgage that we no longer need to worry about. We know we will

be receiving a top quality appraisal from a first class company.” - STEARNS LENDING

PROCESS

“I wanted you to know how much I appreciate your exceptional effort in helping my clients accomplish their needs. These types of things separate the great from the average.”

- BNC NATIONAL BANK

Our process is managed by a series of alerts inside our technology system, and is overseen by meticulous staff who value our appraiser network and clients.

We will customize a service agreement to fit your business requirements. So whether you have a specific service request, new underwriting guidelines or revised regulatory rules, we will see to it that our solution meets your specs and benchmarks. Plus, we offer competitive and flexible pricing plans that are customizable to fit your specific loan portfolio - whether it is a “one price fits all” or market specific to offer the lowest possible cost.

We employ a “Smart Selection” assignment process that determines the most geographically qualified appraiser to fulfill 100 percent of a client’s orders regardless of the location or complexity. Also, each client is assigned a relationship manager that directly reports to them. Clients are updated a minimum of once daily, or at any time the status changes, on each order. Our system tracks the service level expec-tations on each step of the process, so clients are always informed. Relationship managers focus on any flagged order and work to resolve it quickly. This fusion of relationships and technology helps avoid cumbersome revisions and creates consistent, compliant results.

Accelerate & Elevate Your Appraisals

RESULTS

Each appraisal report is inspected with both state-of-the-art technology and adept human intelligence. Our automated platform identifies thousands of checkpoints and provides a confidence score prior to a hand review performed by our Certified Appraisal Review staff. This allows our staff to focus on the critical, subjective components of the report.

Client-Centric Solutions

CLIENTS EXPERIENCE

Peace-of-mind and valuation confidence

ReducedTurn Times

Proactive team approach to reduce risk and resolve unforeseen issues

Extensive quality control no matter the volume

100 percent compliance and consistent appraisal delivery

Lower rate of appraiser revisions

United States Appraisals is one of the fastest growing AMCs in the country because we outperform our peers and are committed to the highest level of customer service and quality in the industry, and to date, we have never lost a client from poor performance results!

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“United States Appraisals’ commitment to working with the best appraisers rather than the cheapest separates them from other appraisal management companies. We see

the results in both the level of service provided and the quality of their reports.” - PEOPLE’S HOME LENDING

CLIENTS

We have been doing business with United States Appraisals for many years. The staff is respectful of the appraisers, courteous and very knowledgeable. It is a pleasure to work with

them. They are a great AMC. We would highly recommend working with them.” - MENDEZ & ASSOCIATES

United States Appraisals serves regional and national mortgage lenders, and are proud to say we have a client retention rate that is unmatched in our industry. Our clients receive a customized service level agreement that promises a highly skilled team will always answer phone calls, provide daily updates, and work vigorously to get the job done! So no matter the challenge, we are there to

deliver when the volume is coming in at the front and back end of the process.

We consistently request and listen for feedback from clients so we may tailor our business model to serve them better. This assists our leadership team in refining our systematic approach, to allow the company to grow in an efficient and customer friendly manner.

Extraordinary Client Retention

COMPLIANCE

“...We have worked with many other companies and have finally found a professional, compliant, educated AMC with customer service that is second to none in a high volume environment.”

- NEW AMERICAN FUNDING

When clients partner with United States Appraisals they can be confident we’ve taken the proper and necessary steps to fulfill regulatory compliance and appraiser independence requirements.

We work diligently to maintain licensing in all 50 states which allows us to be a trusted one-stop shop for clients. We adapt our process to meet specific state requirements regarding appraisal delivery, panel management, fees, and record keeping.

Our certification fully complies with Dodd Frank, USPAP, GSE regulations, FHA, VA, State Licensing Agencies and the Appraiser Independence Requirements (AIR). We provide an official “AIR Certificate of Compliance” for every single appraisal report we deliver to clients.

We operate at 100 percent compliance with all regulatory guidelines, and routinely discuss emerging policy with our Washington, DC law firm. We do all the legwork to stay up-to-date by monitoring all pending legislation, and keeping our entire team consistently educated on the changes.

100% Compliance.Trusted In All 50 States.

TEAM AND CULTURE

We know the appraisal industry inside and out. Our team has over 120 years of combined expertise in banking, mortgage, residential real estate, compliance, technology and the appraisal industry. We work hand-in-hand to make certain each appraisal is handled at optimal customer satisfaction. Our team believes in:

Our employees come in early and stay late to serve customers from coast to coast. We strive for continuous improvement at every level, and select staff who show good judgment, embrace problem solving, and align with our core values.

We are constantly in communication with our staff, clients and appraisal network to create the best experience possible. We give our customer-facing employees dedicated time with leadership to express challenges and grow in their role.

We partner with the industry’s finest appraisers. Each of the appraisers on our panel is personally interviewed by a member of our recruiting team. We combine the belief in quality people with quality technology, to serve our clients better.

We employ our own Software Development Team to help manage and grow the tools we use to expedite our appraisal management. Our workflow platform helps to improve our ser-vice output, so clients are served more quickly and efficiently.

We never shy away from complex appraisal needs, and welcome ways to re-work processes and technology to accommodate our clients.

HARD WORK

COMMUNICATION

QUALITY

INNOVATION

FLEXIBILITY

Pioneers In The Appraisal Industry

Aaron has more than 15 years of management experience in the mortgage, finance and appraisal industries. His primary roles as CEO of United States Appraisals are

leading the valuation management team with a focus on diversifying the client portfolio, providing operational direction and inspiring a culture of excellence. Under Aaron’s guidance, the company has experienced customer satisfaction and

retention rates that are unparalleled in the industry. Prior to co-founding United States Appraisals, Aaron held various leadership positions including District Finance Manager for Enterprise Leasing, Internet Banking Team Lead for First Tennessee Bank and Regional Mortgage Banking Manager for Capital One Financial. Aaron earned his Bachelor of Science from Graceland University.

Chris has more than 21 years of experience in all aspects of finance and accounting as well as extensive knowledge of software management and reporting. As CFO, Chris

oversees all facets of the company’s finances including financial reporting, forecasting, auditing, compliance, payroll and billing. Chris is also instrumental in Appraisal Management Licensing at the state level.

Before joining the team, Chris led financial operations for a variety of companies including those in the pharmaceutical, institutional investing, telecommunications, software development, government and the housing market industries. He received a Bachelor of Science degree in Business Administration for Accounting as well as a Master in Business Administration with an emphasis in Finance and Management, both from Rockhurst University.

AARON FOWLER

CHRIS PURCELL

CHIEF EXECUTIVE OFFICER

CHIEF FINANCIAL OFFICER

Our Staff

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Sam has an extensive customer service background and leads United States Appraisals’ client relations team. In this capacity, Sam serves as the senior point of

contact for clients, manages the company’s

vendors, oversees the appraiser panel and trains staff to provide the industry’s best customer service. Prior to joining the team, Sam was a National Sales Coordinator for Sprint Telecommunications. He earned his Bachelor’s degree from The University of Kansas.

Richard Garrie has more than 20 years of residential valuation experience. His primary role at United States Appraisals is leading the Quality Assurance team – he

assists appraisers with completing complex assignments, supervises the internal review staff, works with clients and appraisers to meditate appraisal disputes and provides internal training and guidance on compli-ance. Richard also works with Washington, D.C. law firms Ballard Spahr, LLP and Patton Boggs, LLP to stay up-to-date on all new and emerging regulatory appraisal guidelines.

Before joining our team, Richard spent eight years as a branch manager with Forsythe Appraisals, LLC where he launched the company’s first Florida branch in Orlando, and developed and implemented the policies and procedures to successfully launch branches in Tampa and Las Vegas. He also served as a staff appraiser in the Cass County MO Assessor’s Office and briefly ran his own appraisal company. Richard is FHA certified and was the first appraiser in the country certified in the Collateral Valuation Report. Prior to entering the appraisal industry, Richard spent four years in the United States Air Force.

SAM GASHOFF

RICHARD GARRIE

AVP NATIONAL VENDOR RELATIONS

CHIEF APPRAISER

Our Staff

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As Chief Technology Officer, James oversees current technology and creates relevant policy. James aligns

technology-related decisions with United States Appraisals goals, along with managing research and development.

Wardell leads the on-boarding process of newly-added appraisers and manages appraisers currently on our panel. His daily functions

include initiating and continuing ongoing communications with appraisers, reviewing appraisers’ background and work and managing the completed report upload process.

As Client Relations Manag-er, Jamer works closely with clients to understand their needs and find the quickest, most favorable outcome. His duties include providing

clients with regular updates on orders,

liaising with appraisers to determine project statuses and addressing challenges of complex assignments. Jamer attended the University of Kansas where he received his bachelor’s degree in Economics and minor in Business.

JAMES WEBSTER

WARDELL WATKINS

JAMER ODNEY

CHIEF TECHNOLOGY OFFICER

APPRAISER RECRUITING MANAGER

CLIENT RELATIONS MANAGER

Our Staff

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Matt works directly with our panel appraisers to meet our clients expectations and to ensure they are providing the highest quality of service. His duties include selecting

appraisers for assignment, monitoring client

exclusionary lists and working with our clients and vendors on the more unique and complex appraisals. Matt earned his bachelor’s degree in Political Science and minor in Communications from the University of Kansas.

Brett has over 15 years of experience in the mortgage industry managing national wholesale and retail lend-ing operations. Brett brings a wealth of experience in

understanding the necessary service ex-pectations and tools needed for our clients. Brett’s knowledge and expertise allows him to understand the needs of the clients to enhance business development.

Prior to joining our team, Brett was responsible for the establishment and daily operations of a regional sales and client center where he oversaw employee recruit-ment, sales production, training, profitability, expense control, and administration. As his career advanced, he moved into a national sales executive role where he excelled in identifying top-tier decision-makers, establishing and nurturing business relationships, and closing contracts. Brett earned a Bachelor’s degree in Marketing from Middle Tennessee State University.

MATT LANNING

BRETT BERG

VENDOR MANAGER

DIRECTOR OF NATIONAL SALES

Our Staff

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8500 W. 110th St. | Ste. 105 | Overland Park | KS 66210(866) 562-0123 | info@unitedstatesappraisals.com

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