Professional Appraisal Services

Professional Appraisal Services has served real estate clients since 1988, with an office in Findlay and work across northwest and central Ohio.

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[Professional Appraisal Services @thelonggroup]

Appraisals and evaluations for commercial loans.

A commercial real estate loan above $500,000 generally requires an appraisal by a state certified appraiser under federal banking rules.

[Professional Appraisal Services @thelonggroup]

The amount tested is the transaction value, which 12 CFR 34.42(o) defines for a loan as the loan amount. A $450,000 loan secured by a $700,000 building is measured at $450,000.

[Professional Appraisal Services @thelonggroup]

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[Professional Appraisal Services @thelonggroup]

Disaster mitigation in the URAR.

Under the Uniform Appraisal Dataset (UAD) 3.6, the Uniform Residential Appraisal Report (URAR) adds Section 5, Disaster Mitigation.

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Freddie Mac's inspection and reporting tips, dated October 21, 2025, record each selection in Report Field ID 5.000, Mitigation Feature, so storm shutters and a fortified roof on one home appear together in that URAR field.

[Professional Appraisal Services @thelonggroup]

An underwriter reviewing a comparable sale with a 30 percent gross adjustment reads the support behind each line.

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Net and gross adjustments on Fannie Mae loans.

Fannie Mae sets no limit on the net or gross adjustments an appraiser makes to a comparable sale.

[Professional Appraisal Services @thelonggroup]

Each adjustment needs support from market data such as paired sales, giving a lender a specific figure to check.

[Professional Appraisal Services @thelonggroup]

A lender delivering loans to FHA and to Fannie Mae or Freddie Mac can send the same Uniform Residential Appraisal Report (URAR) format to the EAD portal and to the Uniform Collateral Data Portal (UCDP).

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FHA appraisals and UAD 3.6.

The Federal Housing Administration (FHA) accepts appraisals in the Uniform Appraisal Dataset (UAD) 3.6 format through its Electronic Appraisal Delivery (EAD) portal.

[Professional Appraisal Services @thelonggroup]

Each FHA case number stays in one format. The first appraisal submitted on a case sets the format for every later submission, so an underwriter reads the original report and every follow-up in one consistent structure.