When financing depends on the value — a purchase, a refinance, or private and bridge lending — the number has to hold up under a lender's own review. These are the matters that call for a formal appraisal.
An independent value to support the mortgage amount on a purchase.
Current value for a refinance, renewal, or rate negotiation on a first mortgage.
Accurate value to support second, third, or equity lending decisions.
Fast, defensible valuations for private, alternative, and bridge financing.
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Real valuations where automated models fall short on high-value or unique homes.
Established as of today's date
Compliant appraisal report
Comparable evidence and reasoning
Appraise Wise is led by Sid Malhotra, MBA, P.App, CRA.
For more than twenty years he has valued the homes that resist easy valuation, and advised the owners, lawyers, accountants, and lenders who depend on getting it right. Every engagement is his, personally.
Trusted by the professionals who advise on value.
Family and estate lawyers, accountants, private lenders, and the region's leading luxury brokerages rely on Appraise Wise for valuations they can put their name beside.
Family and estate lawyers, accountants, private lenders, and the region's leading luxury brokerages rely on Appraise Wise for valuations they can put their name beside.
Common questions about how a valuation is prepared, what the report contains, and how the process works. If yours isn't answered here, ask directly.
Automated estimates carry little weight with lenders on anything non-standard. An independent, CUSPAP compliant appraisal gives a credit committee or underwriter a defensible current value to lend against — often the only figure they'll accept on high-value or complex homes.
Yes. Private, alternative, and bridge lenders rely on independent appraisals, and we deliver them with the turnaround time-sensitive financing needs — without compromising the analysis.
The bank orders its own report for its own decision, and you rarely see it in full. An independent appraisal is retained by you or your broker, and the complete analysis is yours to use in a refinance, renewal, or private lending.
Yes — purchases, refinances, renewals, rate negotiations, and second, third, or equity financing. Each report establishes a current value the lender can size the loan against.
Yes; these are our focus. Where comparables are thin, value comes from documented analysis rather than a price per square foot — a figure that holds up under a lender's review.