McCart Appraisal provides honest and ethical appraisals for San Diego County

Honesty and Integrity: McCart Appraisal

Appraising is a profession, and appraisers are professionals. Requirements to become a licensed appraiser have increased more than ever in the past. That's why it goes without question these days that real estate appraisal can certainly be called a profession as opposed to a trade. As with any profession we must follow strict ethical considerations.

We have many obligations as appraisers, but our chief duty is to our clients. Typically, in residential practice, the lender (or an agent of the lender) places the order to the appraiser, becoming the appraiser's client. Thereon, appraisers are privy to a lot of information, and like an attorney, can only discuss many of these matters with their client. As a homeowner, if you want a copy of the appraisal document, you generally should request it from your lender.

Other obligations include numerical accuracy depending on the assignment's nature, acquiring and sustaining a respectable level of competency and education, and of course, the appraiser must behave in a professional manner. Here at McCart Appraisal, we take these ethical responsibilities very to heart.

Appraisers will frequently need to consider the interests of third parties, such as homeowners, buyers and sellers, or others. Generally the third parties are specifically defined in the appraisal report. An appraiser's fiduciary duty is only to those third parties who the appraiser is aware of, based on the scope of work or other written parameters of the job.

McCart Appraisal has worked hard for its track record for completing competent and ethically superior appraisals. Contact us today to learn more.


There are also ethical duties that have nothing to do with clients and others. For example, appraisers must keep their work files for at least five years - at McCart Appraisal you can rest assured that we stick to that rule.

We demand the highest professional integrity possible from ourselves. Working on orders based on contingency fees is not something we can consider. In other words, we can't agree to do an appraisal report and collect payment on the contingency of the loan closing. There's certainly a conflict of interest if an appraiser can report a greater value and then get paid more money! We just don't do it.

Finally, the Uniform Standards of Professional Appraisal Practice explicitly describes a violation in ethics as the acceptance of an assignment that is contingent on "the reporting of a pre-determined result (e.g., opinion of value)", "a direction in assignment results that favors the cause of the client", or "the amount of a value opinion" as well as other situations. We follow these rules to the letter which means you can be at ease knowing we are doing everything we can to get you an accurate home or property value.

When you request an appraisal from McCart Appraisal, we'll make sure you're getting the professional service you expect along with the business principles we're known for.