Annual Privacy Notice

Our privacy principles: We are committed to protecting our clients' personal and financial information. This privacy statement addresses what nonpublic personal information we collect, what we do with it, and how we protect it.
What information we collect: We may collect and maintain several types of personal information in the course of providing you with appraisal services, such as:

Information we receive from you on applications, letters of engagement, forms found on our website, correspondence, or conversations, including, but not limited to, your name, address, phone number, social security number, date of birth, bank records, salary information, the income and expenses associated with the subject property, the sale price of the subject property, and the details of any financing on the subject property.
Information about your transactions with us, our affiliates or others, including, but not limited to, payments history, parties to transactions and other financial information.
Information we receive from a consumer reporting agency such as a credit history.

What information we may disclose: We may disclose the nonpublic personal information about you described above, primarily to provide you with the appraisal services you seek from us. We do not disclose nonpublic personal information about clients or former clients except as required or permitted by law.
Who we share the information with: Unless you tell us not to, we may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as banks and lending institutions.
Non-financial companies.

You may limit information shared about you. If you prefer that we not disclose nonpublic personal information about you to third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those permitted by law). If you wish to opt out contact us at 412-831-1500 or complete an opt-out form at our web site, CLICK HERE!

	HOW TO FIX MAIN STREET
	Below I have sort of summarized why we are in the situation we are in and I have a very simple plan I feel will pull us out of this catastrophe we were put into. I thought of this idea in the beginning of 2009 and only wish I could have done something. So I am posting this now. You know what they say, better late than never. READ MORE...

WARNING!

HVCC & YOU!

On May 1, 2009 the HVCC was initiated throughout the Country on every mortgage transaction that involves an appraisal that is sold to Fannie Mae and Freddie Mac. This involves all conventional loans which prior to the present meltdown was approximately 70% of all lending. With the banking system crippled, conventional loans seized up and nearly came to a halt. Presently, the conventional mortgage market is still trying to get back on its feet albeit very slowly and cautiously. Then there is the HVCC.

The HVCC came about due to pressure put on an appraisal management company called eAppraiseIT by a large mortgage lender Washington Mutual in the State of New York. The Attorney General of New York created the HVCC. To stay out of litigation (even though not directly involved), the appellant in the case (The State of New York) arranged to have Fannie Mae (FNMA) sign an agreement that all loans placed through FNMA & Freddie Mac would have to adhere to this new HVCC.

“We knew this was causing extreme hardship to the industry, but we didn’t expect to get thousands of horror stories from would-be homebuyers whose dreams have been dashed by this well-intended, but misguided policy. Every day thousands of people are getting the rug yanked out from under them in their quest to become homeowners because of HVCC. You only need to go to our petition website to read the stories for yourself,” said Kearns.