Appraisal Review & Second Opinion in Claremont and the Inland Empire
A review of an existing appraisal report for USPAP compliance, comparable selection, adjustment support and factual accuracy, or a new independent appraisal where a second set of eyes is needed. Common after a low appraisal in a refinance or purchase, particularly when the original appraiser worked from outside the local market and used sales across a freeway or county line. The findings are stated with specific reference to the sales and data at issue.
Who orders this
- Homeowners and buyers holding an appraisal they question
- Agents preparing information for a lender's reconsideration of value
- Lenders and attorneys who need a documented review of another appraiser's work
What the report includes
- For a review: the report under review identified, the reviewer's scope of work, and findings on compliance, comparable selection, adjustment support and facts, each tied to the specific sale or data
- For a new appraisal: an independent opinion of value developed from its own research, which may agree or disagree with the first report
- The client, the intended use (what the report will be used for) and the intended users (who may rely on it), stated on the first page
- The effective date, the date the opinion of value applies to, and the date of the report
- The scope of work, meaning the inspection, research and analysis performed, including any limits on access
- Comparable sales chosen for era, pocket and lot character, each with the reason it was used
- Adjustments for differences such as gross living area, lot size, condition and location, each explained
- Interior and exterior photographs and a measured sketch of the living area
- A signed certification with Gordon Hall's California license, BREA No. AR003877
The page a reviewer reads first is the sales comparison grid: the subject beside the closed sales, every difference adjusted and explained. This is its shape, left blank.
Sales comparison approach
File no. blank
| Row | SubjectSubject | Comp. 1Comparable 1 | Comp. 2Comparable 2 | Comp. 3Comparable 3 |
|---|---|---|---|---|
| Address | blank | blank | blank | blank |
| Sale date | blank | blank | blank | blank |
| Sale price | blank | blank | blank | blank |
| Gross living area | blank | blank | blank | blank |
| Lot size | blank | blank | blank | blank |
| Year built | blank | blank | blank | blank |
| Condition | blank | blank | blank | blank |
| View / site | blank | blank | blank | blank |
| Adjustments | blank | blank | blank | blank |
| Adjusted value | blank | blank | blank | blank |
What we need from you
- The complete appraisal report you are questioning
- The property address and the reason the report is in question (factual errors, missed sales, cross-line comparables)
- Your lender's reconsideration-of-value process, if the loan is still open
- The property address and who will provide access on inspection day
- The purpose of the appraisal and who will read the report (lender, court, assessor, CPA, trustee or yourself)
- Permits, plans or a survey for any addition, remodel or ADU
- A list of improvements with approximate dates
What a review finds here
The recurring problems in this corner of the map are specific. A Claremont Village Craftsman compared with postwar tract houses by bedroom count alone. A Claraboya hillside home compared with flat lots below Foothill Boulevard with no view or grade adjustment. A Montclair or Upland sale used for a Claremont house, or the reverse, across Mills Avenue or the Claremont and Upland line, with no explanation of the location adjustment. Sales pulled from the other side of the 10 or the 210 because they were nearest on a map. Gross living area copied from public records rather than measured, which in older housing with enclosed porches and added rooms is often wrong.
An appraisal review states each of those findings with reference to the sale or figure at issue, so a lender, an attorney or the original appraiser can check it. Where the loan is still open, only the lender can ask the original appraiser for a reconsideration of value; the review gives you the specific facts and sales to put in that request. Where a new opinion is needed, a new appraisal develops one independently, and it may support the original result.
Timeline and next step
Reports are typically delivered three to five business days from the inspection. The inspection runs 30 to 60 minutes for a standard single-family home, longer for hillside, custom, multi-family or homes with additions that need to be measured and sketched.
The fee is set by the scope of the assignment and quoted before work begins. It does not depend on the value, and it is never contingent on a result.
Send the report and the address through the order form, or call (909) 324-6122, and we will discuss which assignment fits.
Straight answers
Questions
I got a low appraisal. Can you help me challenge it?
Can I ask the lender to reconsider?
Will a review say the first appraisal was wrong?
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Request this appraisal
The property, the purpose and the effective date set the scope and the fee, which is quoted before work begins.
Prepared by Gordon Hall, California Certified Residential Real Estate Appraiser, BREA No. AR003877. Reports are prepared in conformity with the Uniform Standards of Professional Appraisal Practice (USPAP). A review or new appraisal is never an attempt to reach a particular figure, and its findings may support the original report.
Get the value documented before someone else needs it.
Two minutes for a fee quote and a turnaround date. Nothing is scheduled until you say so.
Request an appraisal