This class is for experienced underwriters who want to improve their ability to analyze appraisals in this changing market.  Participants will learn how to identify and respond when values and adjustments are not adequately supported, recognize when the subejct property is in a declining market, respond to inconsistent information and verify that sales concessions have been adjsuted appropriately.

At the end of this session, participants should be able to identify and respond when:

- An Appraiser has not adequately supported the value
- Subjective adjustments
- Significant differences in the actual vs. effective age
- Increase in subject's value is not adequately explained and supported
- Inconsistent information is present throughout the appraisal
- Comparable sales are outside the guidelines in terms of distance and age
- Appraiser's comments are not acceptable
- Additional comparables are not helpful
- Real estate markets are experiencing declining values