Nations Valuation Services

NVS has received and reviewed the concerns of Ms [redacted] NVS is committed to providing credible appraisals and after review of Ms [redacted] ’s appraisal we stand by the report An appraiser is required to measure the property during their inspection That may differ from records The appraiser provided comparable sales and not If similar properties have not sold recently then an appraiser must extended their search parameters The appraiser did this and explained so within the appraisalAppraisers will not provide any weight or value to personal items (refrigerator, range, microwave, etc.) If a borrower or realtor believes there are better comparisons than those used then they must adhere to the lenders protocol and complete a reconsideration of value formAt this time NVS has not received a formal request to dispute any items within the appraisal or an ROV form The request for a refund will not be honored

NVS has reviewed the complaint, and although we acknowledge there were delays in the process, those delays were a result of the appraiser’s inability to schedule an inspection and with underwritingNVS will not issue a refund at this time The appraisal was ordered on 4/17/as referenced and an appraiser was located within hours to complete the assignmentThe appraiser updated NVS, and those updates were provided to the client in real-timeThe appraiser advised on the 18th, twice on the 22nd, and again on the 23rd that attempts to reach the access contact was made and voicemails were not returnedOn 4/additional contact information was provided by [redacted] and sent to the appraiser and the appraiser and borrower agreed on an inspection on 5/The appraiser wrote and submitted the appraiser on 5/only hours after the inspection was completedThe appraisal was then submitted to [redacted] that same day Additional requests from underwriting were made but those came weeks after the completion of the reportNeither NVS nor the appraiser has any control over the time between delivery and a review by underwritingThe requests from underwriting were for commentary around data used within the appraisal report and no alternative sales were provided for considerationThe outcome of an appraisals value is not a determining factor for a refundNVS will send any comparable sales that the borrower feels should be included within the report to the appraiser within a formal request but per our agreement with [redacted] , the request must come from them directly Sincerely, NVS Management

NVS completed a credible appraisal and provided that to Mr [redacted] and his lender A request to address some concerns with the appraiser was received and the appraiser addressed those in a timely manner That revised appraisal was provided to the lender NVS completed what it was contracted to do

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, Linda G***

NVS received and processed the request from Mr [redacted] 's lender as referenced within the complaint That request was addressed within a revised appraisal which was provided to the lender NVS is required to work directly with Mr [redacted] 's lender on all concerns or requests and has done so in a very reasonable amount of time

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me

NVS understands the borrowers concerns As shared previously we are unable to process unless those concerns are sent from the lender (NVS's client) as a formal request Please work with the lender to have a formal request submitted

HiI didn’t quite understand what to do from the email I received todayI ended up hitting accept and then read the response from Nations Valuation afterwardsIn regards to their response, I was working with Justin F [redacted] from their office who I sent several emails toHe stated he would contact the appraiser for further explanation as to why he stated he couldn’t not use the comparables I suggested when his comps were also out of area and not in superior areaJustin F [redacted] also said he escalated it to the Nation Valuations chief appraisalJustin F [redacted] reviewed all the comps I submitted and agreed with me, a detailed explanation is needed from appraiser [redacted] ***So for them to say they told me to contact my lender when I have been working with Justin F [redacted] is confusing and sounds like they do not want to take responsibility for there appraisers terrible workI want my refund