First Liberty Financial Mortgage, A Division of ETFCU

To whom it may concern:On or about January 5, I received a call from [redacted] about appraising [redacted] ) to settle the estate of her father [redacted] She indicated that the house hadissuesAt the time of the inspection on January 11, she told me her and her brother disagreed on the value.Subject is located in North Fayette Township, serviced by West Allegheny School District which is a very soughtafter areaIt is not uncommon for a home to be purchased and raised for new construction which I believe is theproblem Mr [redacted] has as I used a comparable located at [redacted] that had been raisedTheproperty was sold within the twelve month period I indicated on the reportAt which time there was a dwelling onthe property that has since been raisedNot only have I been doing appraisals in North Fayette Township for thepast years, I also am resident located in close proximity to the subject property.The comparable’s I used all had some sort of deferred maintenance as does the subjectThe subjects heatingsystem is very dated, there is standing water in the basement , failed sump pumps, basement floor was uneven,possible mold, dated bathroomsMrs [redacted] reported the upstairs bathroom water was shut off due to a leak.Adjustments were made for the comparalbes for what I considered to be severe differences in condition.If you have any further questions please do not hesitate to contact me

To whom it may concern:On or about January 5, 2016 I received a call from [redacted] about appraising [redacted]) to settle the estate of her father [redacted] She indicated that the house hadissues. At the time of the inspection on January 11,2016...

she told me her and her brother disagreed on the value.Subject is located in North Fayette Township, serviced by West Allegheny School District which is a very soughtafter area. It is not uncommon for a home to be purchased and raised for new construction which I believe is theproblem Mr. [redacted] has as I used a comparable located at [redacted] that had been raised. Theproperty was sold within the twelve month period I indicated on the report. At which time there was a dwelling onthe property that has since been raised. Not only have I been doing appraisals in North Fayette Township for thepast 30 years, I also am resident located in close proximity to the subject property.The comparable’s I used all had some sort of deferred maintenance as does the subject. The subjects heatingsystem is very dated, there is standing water in the basement , failed sump pumps, basement floor was uneven,possible mold, dated bathrooms. Mrs. [redacted] reported the upstairs bathroom water was shut off due to a leak.Adjustments were made for the comparalbes for what I considered to be severe differences in condition.If you have any further questions please do not hesitate to contact me.