Three-tier review. Independence by design.
Every RSDS report passes three reviews before delivery, supervised by a chief appraiser who is an AQB Certified USPAP Instructor.
Three reviews before every delivery.
Escalation can happen at any point. A report can move straight from Level I to Level III without waiting for each step.
Level I · Automated review
Appraiser-controlled automated risk and compliance scoring (VeroSCORE or Aura), plus platform GSE compliance checks and our customized UAD rule set, run before submission.
Level II · Certified appraiser review
An in-house credentialed appraiser fully analyzes methodology, comparable selection, adjustments and value support, under our Senior Vice President of Quality Control.
Level III · Escalated review
Critical concerns go to senior management, including the Chief Appraiser for Risk and Compliance, for complex assignments and any regulatory exposure.
Built to satisfy AIR, TILA and Dodd-Frank.
- Selection outside loan production. No loan officer, broker or commissioned employee selects, retains or communicates on value with the appraiser.
- Assignment by RSDS on geographic competency, credential level, complexity and verified UAD 3.6 readiness.
- Compensation independent of outcome. Wages plus commission, never conditioned on value, closing or any transaction outcome.
- Customary and reasonable fees. Wages, benefits, licensing, insurance and technology are all provided by RSDS.
- Documented ROV handling. A written record on every request, with substantive ROVs reviewed by someone other than the original appraiser.
Diligence-ready.
- Nearly the entire panel holds Certified credentials, and all work conforms to current USPAP
- Errors and omissions insurance maintained for the firm and its appraisers
- Secure technology platform with role-based access controls on client and order data
- Vendor due diligence package, including information security, business continuity and state AMC registration analysis, returned within 10 business days
What our reviewers check.
Quality control checklist
- Report run through the automated rule set and every flagged item resolved
- Secondary market guidelines verified, including sales within one year, net and gross adjustments and the subject’s prior three-year history
- Support, methods, assumptions and data sources reasonable for the intended use
- Any excluded approach to value disclosed and explained
- Approaches analyzed and reconciled into the final opinion of value
- Highest and best use addressed
- Inspection status and any significant assistance reported
- Trainee-signed reports receive additional audits and scrutiny
Sales comparison grid checklist
- USPS-standard addresses and accurate cities for subject and comparables
- Proximity of 1 mile or less, or an explanation
- Data sources provided and only arm’s-length sales used for comps 1–3
- Sale and financing concessions accurately reported and adjusted
- Time and location adjustments made consistently and explained
- Site, view, design, condition and quality adjustments supported and consistent
- Bedroom, bathroom and GLA bracketed
- Basement, energy, garage, porch, pool and outbuilding adjustments supported
- At least one sale price and one adjusted price above and below the opinion of value
- Single-line adjustments under 10%, net under 15% and gross under 25%, or explained
- Prior sales or transfers reported: 3 years for the subject, 1 year for comparables
Review doesn’t stop at delivery.
Self-audits
Ongoing audits of completed appraisals by client, market, property type, high-value property and trainer. Trainers who pass weekly audits move to bi-weekly, then less frequent review.
Monthly scorecards
Regional Vice Presidents review every appraiser’s RSDS scorecard monthly and intervene directly when performance slips.
Client action plans
When a client shares audit findings, our Chief Appraiser and QC team draft a corrective action plan, follow up, and document what was implemented.
Repeated failures or any report with severe deficiencies, including fraud intent, material USPAP breaches, ethics or competency issues, are referred to senior management for immediate action.
Automated checks before a human ever looks.
Before delivery, RSDS appraisers run automated risk scoring and a rule set built on customized UAD data points. The rules flag everything from issues with the analysis to simple oversights like missing photos.
How this applies to UAD 3.6Quality control leadership.
Robbie Wilson
A Certified Residential Appraiser and AQB Certified USPAP Instructor, Robbie has consulted for Freddie Mac and Fannie Mae and is a recognized expert in appraisal standards and ethics, FIRREA, Dodd-Frank and GSE guidelines. He teaches AQB pre-licensing and continuing education in seven states, is a past President of the National Society of Real Estate Appraisers, and a current TALCB mentor.
Jen Lane
A Certified Residential Appraiser, Jen leads the in-house certified appraiser review that every RSDS report passes before delivery.
Put our quality program to work on your files.
Lenders and AMCs: let’s talk about your requirements.