Focus on Evaluations Under Real Estate Appraisal Guidelines

Understanding the What, Why and How of Evaluations of Real Estate Market Value For Loans of $250,000 or Less Under New Appraisal Guidelines.

The instructor has received a large number of questions about evaluations (defined as written support for real estate value for loans of $250,000 or less). The majority of these questions relate to the content requirements for an appropriate evaluation and how should a banker develop and prepare a written evaluation.  “How do I get started?”

KEY ISSUE: Evaluation content is not a “cookie cutter” or “one size fits all” type of issue. Good policy for your bank might not be good policy for another.  Each bank’s written policy should prescribe the content of an evaluation (or even evaluations for different types of properties) that takes into account the unique circumstances of the bank, such as market demand for real estate, bank size, loan size, market location, types of T/E loans actually extended by the bank and personnel available and qualified to perform evaluations, etc.

Who is qualified to prepare an evaluation and what training will be needed are major concerns due to the requirement to keep the appraisal/evaluation function separate from the lending function.


  • Guidance on policy decisions;
  • Deciding who will perform evaluations;
  • Decision factors and parameters for determining evaluation content — How much information is enough?
  • What is meant by adequate analysis of information?
  • Discussion of several possible evaluation processes when the evaluation is performed “in-house;”
  • Discussion of use of broker opinions of value, tax assessment valuations and automated valuation models;
  • Sources of training for staff that are to perform evaluations.


All bankers involved in real estate lending and/or administration.


Bob Ullom has taught appraisal regulations since 1991.  He presents information from the perspective of the banker’s needs.  Bob has taught bankers for forty years.  He is founding president of two sound and profitable start-up banks.  In 1989, he founded R.V. Ullom & company with the mission of providing relevant, practical and “real world” educational services to the financial services industry on a nationwide basis.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2 hours CRCM/CLBB/CPB/CCSR.


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