Check here for frequently asked questions pertaining to Southern Maryland Appraisal Associates, as well as industry updates, and answers to many other topics regarding the appraisal process. If you have questions that have not been addressed on the website, Contact us and we will do our best to answer your questions.

FAQ's:


Q)   What is your coverage area in Southern Maryland?                   

A)    We cover the following Maryland counties:

  • Anne Arundel
  • Calvert
  • Charles
  • Prince George's
  • Saint Mary's

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Q)   Is Southern Maryland Appraisal Associates UAD capable?                   

A)    Yes, Southern Maryland Appraisal Associates is capable to complete appraisal reports in compliance with the UAD's requirements. All Southern Maryland Appraisal Associate's appraisal software has been updated to the most current version as well as having acquired the new UAD forms. Southern Maryland Appraisal Associates has been implementing the UAD formatting in appraisals completed over the past months and has now been completing UAD compliant appraisals since September 2011.

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Q)   What does the term UAD mean?                   

A)    To improve the quality and consistency of appraisal data on loans delivered to the GSEs, Fannie Mae and Freddie Mac, at the direction of the Federal Housing Finance Agency (FHFA), have developed the Uniform Appraisal Dataset (UAD), which defines all fields required for an appraisal submission for specific appraisal forms and standardizes definitions and responses for a key subset of fields.

For appraisals with an effective date (date of inspection) on or after September 1, 2011, the appraisal report must be completed in compliance with the UAD for conventional mortgage loans sold to Fannie Mae or Freddie Mac.

The UAD is a component of the Uniform Mortgage Data ProgramSM, jointly established by Fannie Mae and Freddie Mac under the direction of our regulator, the Federal Housing Finance Agency, to provide common requirements for appraisal and loan delivery data.

The GSEs are also developing the Uniform Collateral Data Portal (UCDP), which is a single portal for the electronic submission of appraisal data. Lenders will be required to use UCDP to deliver electronic appraisal data that conforms to the UAD before the delivery date of the mortgage loan to Fannie Mae or Freddie Mac. This requirement applies to all conventional mortgage loans for which an appraisal report is required.

The UAD standardizes certain data points to support consistent appraisal reporting, regardless of geographic location of the property or any localized reporting conventions, by addressing vague or disparate data currently included on some appraisal reports.

Click the link for further information Uniform Appraisal Dataset (UAD)

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Q)   How long have you been appraising real estate in Southern Maryland?                   

A)    Southern Maryland Appraisal Associates has been appraising real property in Southern Maryland since 1992, when retired Lt. Col. Clifton W. Lewis Jr., obtained his Maryland Appraiser's License after retiring from the Army. He created Southern Maryland Appraisal Assoicates which started his second career as a real estate appraiser in Southern Maryland. Later Cliff's son, Derek A. Lewis, began working as a trainee appraiser in 2002 along with his partner Josh J. Fortier, which started their career in appraising real estate in Southern Maryland. Over the years after learning the business from his father, Derek, took control of the company as Cliff decided to retire. After fifteen plus years in a second career as a Certified Real Estate Appraiser, Cliff retired in 2008 and has since been enjoying retirement traveling with his wife Connie. His son, Derek Lewis, has been operating Southern Maryland Appraisal Assoicates since 2008 and continues the tradition of helping to provide our clients with valuation services. Southern Maryland Appraisal Associates still prides itself on quality valuation products and will continue to strive to deliver the best service for our clients.

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Q)    What will you be looking for when you come out to appraise my home?

A)    When we come to appraise your house, we'll be looking for several things such as:

  • Overall condition of the structure (exterior and interior)
  • Overall quality of construction of the structure (custom features/upgrades)
  • Overall craftsmanship of the structure and amenities
  • Code complianance with additions, accessory units, accessory kitchens, detached buildings
  • Overall quality of recent renovations or improvements
  • Overall structure size or gross living area (GLA) above grade
  • Amenities
If your house is currently undergoing renovations, wait until the renovations are completed before proceeding with an appraisal. Lenders typically request appraisals "as-is" meaning, any un-finished projects/renovations will be considered deferred maintenance which must be giving a cost to cure/fix/repair the deferred maintenance.

Along with the items listed above the appraiser considers the exterior elements of the property being appraised of such elements as:
  • Views from the property of the surrounding area
  • Location of the property
  • Among other elements

Please refer to our preparing for an appraisal page for additional information.

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Q)   I just had an appraisal not too long ago, can I use that same appraisal for a different lender?

A)    No, you cannot because of the USPAP Advisory Opinion 26 (AO-26) which states that once a report has been prepared for a named client(s) and any other identified intended users and for an identified intended use, the appraiser cannot "readdress" (transfer, release) the report to another party. Unfortunately, a new appraisal will need to be performed. Click the link for more information regarding Advisory Opinion 26. Advisory Opinion 26 (AO-26)

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Q)   Can you 'Release/Transfer' an appraisal?

A)    No, we cannot because of the USPAP Advisory Opinion 26 (AO-26) which states that once a report has been prepared for a named client(s) and any other identified intended users and for an identified intended use, the appraiser cannot "readdress" (transfer, release) the report to another party. Unfortunately, a new appraisal will need to be performed. Click the link for more information regarding Advisory Opinion 26. Advisory Opinion 26 (AO-26)

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Q)    Do I get a copy of the appraisal report?             

A)    If you pay for an appraisal, you are entitled to a copy of that apprasial, depending upon your arrangement with the named client or intended user or the report. The named client or intended user of the report would be responsible for providing a copy of the appraisal report, not SMAA.

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Q)    Why do you need to take pictures of the inside of my house?             

A)    In previous years it wasn't that common for appraisers to take photos of any rooms in a house during an inspection. If they did take any pictures it was of recent updates or unique features. However, today most lenders and mortgage banks require pictures of most of the rooms in a house that is being appraised. They are requiring pictures of living rooms, kitchens, all bathrooms, bedrooms, HVAC units, water heaters, and electric service panels. Due to this, we respectfully request to have full access to the entire interior of the house being appraised (i.e. no locked rooms, rooms not accessible due to other factors, etc.).

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Q)    Do you have any active certified appraisers currently on staff?             

A)    No, Cliff Lewis was the only certified appraiser on staff who has since retired from the appraisal business after over 15 years of appraising real estate in Southern Maryland. Derek Lewis, the current CEO, is currently working towards obtaining his Maryland Certified Real Estate Appraiser certification.

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