Welcome to our home page. We are a leading provider of real estate valuations for the mortgage lending marketplace. With many years of experience in the business, we have a proven track record of reducing lenders time, efforts and costs in managing the appraisal process.

Common Sense Appraisals “CSA” Specializes in subject to Appraisals for Hard Money Lenders across the United States. Over the past 15 years Ed Nichols has developed a network of Appraisers across the country that understand the concept of subject to value when it comes to Hard Money Lending by identifying the necessary repairs for a property to compete at market levels. Our Common Sense Appraisal Team will identify the most obvious deficiencies in a property so once repaired the subject to value can be obtained. The CSA Appraisal System effectively informs the lender of the current deficiencies in a property that keep it from competing in the market and supplies the lender and rehabber with a reasonable cost to cure.  Now Lenders can rely on CSA's Appraisal Specialist to better understand true value to make a well-informed loan.

Now the guesswork for the Lender is eliminated.

CSA is now your 2nd set of eyes

Appraisals can be ordered in many markets across the country (See Service Area Map) while we are expanding our coverage daily. Your CSA Appraisal is generated on a 1004 Fannie Mae form. Our Appraisals give the Subject to value with a list of required repairs along with recommended cost for these improvements. This makes our appraisals a must for any Hard Money Lender or Investor.  Repair draw disbursements have been a challenge in the past for all lenders; CSA makes the judgment call for you validating the repair and its quality. This gives the lender the peace of mind that a draw is justified. Now Lenders can concentrate more on developing new clients while they take care of the ones they already have. Lenders get all this service at no cost to them. All Appraisals are paid for in advance by the client "Investor" at this Common Sense Appraisal website.

• Subject to Appraisals for Hard Money Lenders
• Primary and Secondary Mortgages Appraisals

Our investment in training and technology has helped our customers greatly reduce their workload. By offering on-line appraisal ordering, coupled with automatic report status updates and electronic delivery of the final product, we are able to eliminate the run around and phone tag hassles associated with this process. And since this process saves us money as well, we can keep our rates competitive with anybody in the industry.

Through this web site, you can perform a number of tasks. Ordering an appraisal is just a click of a button away. Or, spend some time and find out a bit more about the appraisal business. The more you know, the better decision you can make. And check back frequently, as our content is always being updated.