Reliable Appraisals for Birmingham, AL Lenders and Loan Officers

When you need an appraisal that’s accurate, well-documented, and delivered on time, having a dependable local appraiser on your panel makes all the difference. I provide residential appraisals for purchase and refinance loans on properties throughout Jefferson and Shelby counties — work lenders, loan officers, and underwriters can rely on, whether you’re based locally or anywhere else in the country.

Loan Types I Handle

I perform appraisals for a wide range of loan types, including:

• Conventional loans — purchase and refinance
• FHA loans — I’m familiar with FHA/HUD minimum property requirements and what triggers a required repair or re-inspection
• Construction loans
• Home equity and second mortgage appraisals
• PMI removal appraisals — helping your borrowers reduce their monthly payment once they’ve built sufficient equity

Why FHA Compliance Matters

FHA appraisals come with specific property condition requirements that conventional loans don’t always require. I know what FHA appraisers are required to check — working utilities, functioning appliances, safe egress, and other health-and-safety items — which helps minimize delays from re-inspections and keeps your loans moving toward closing on schedule.

Fast, Reliable Turnaround

Closing deadlines matter, and a slow or unreliable appraisal can hold up an entire transaction. I understand the pressure loan officers and processors are under to keep files moving, and I work to deliver thorough, well-documented reports as quickly as the assignment allows.

What Lenders Can Expect

• Accurate, USPAP-compliant appraisal reports
• Clear communication if any issues arise during the inspection
• Familiarity with local neighborhoods across Jefferson, Shelby, and Chilton counties
• Responsiveness to questions from underwriters or processors

What Lending Professionals Say

“Thank you Tom, you did a fabulous job turning those appraisals for me in the same day! Everyone from the purchaser, agent, attorney and mortgage company thank you for your service! Not a word many people can relate today.”
— Valerie Springer, Network Funding

“I would like to recognize Tom C. Horn for the great job that he did on the appraisal we hired him for. He made sure to deliver a fair value, and did it in a timely fashion. I would recommend Tom Horn to anyone who is looking for appraisal services.”
— Stephen Gatling, Mortgage Banker, American Bank

Why Birmingham Lenders Work With Me

With over 35 years of experience in residential appraisal — and a background that began in consumer finance as a loan officer — I understand both sides of the lending transaction. That perspective helps me deliver reports that are accurate, well-supported, and easy for underwriters to work with.

Let’s Work Together

Whether you need a single appraisal or are looking for a dependable appraiser to add to your panel, I’m here to help keep your loans on track.

Contact me today to order an appraisal.