CoAA blog

  • October 14, 2022 11:10 AM | David Stone

       The first Arizona class offering certification of ANSI Sketch Master graduated on October 4, 2022. The Appraisal organization of American Eagle Appraisal, PLLC  offices in several states, certified the first group of students with the designation of ANSI Sketch Master. The graduates completed a 3-hour course with an additional, comprehensive exam requiring a minimum 80% pass ratio to be certified as Sketch Master.

       American National Standard for Single-Family Residential Buildings (ANSI) is now the standard for measuring properties by Fannie Mae (FNMA), the largest buyer of residential home mortgages. Many sketches performed by appraisers before April 1, 2022, were not measured to ANSI standards. Homeowners and real estate persons who have an appraisal completed after April 1 will likely see a stated difference in property size from prior documents containing a sketch.

       ANSI Sketch Master program was established primarily for real estate salespersons and homeowners to know the livable size (GLA) of a single-family home as measured and required by Fannie Mae (FNMA), the largest buyer of mortgage loans. Having an ANSI Sketch Master measure the property further assures that the appraiser has followed ANSI standards thoroughly. Not all appraisers have complete knowledge of the standard and may not be standard-compliant.

       Mr. Stone, Administrator, and instructor, stated it's essential to have an accurate sketch of a property to ANSI national standards. He suggests hiring an ANSI Sketch Master designated appraiser to be sure. Many old appraisal sketches and most sketches attached to the Assessor's records were drawn to a different standard than the new ANSI Standard mandated by Fannie Mae.

       Appraisers interested in obtaining ANSI Sketch Master certification should email with ANSI in the subject line.

  • September 11, 2022 1:22 PM | David Stone


    Expand Income Opportunity


     Earn a Designation & Certificate – ANSI Sketch Master


    ANSI Standard Now Required


    There are many opportunities to profit from your FNMA-required skill

    of measuring homes to the new FNMA format. Realtors,

    attorneys, and homeowners have been asking

    for ANSI-compliant sketches.



    Measure Correctly

    with ANSI


    Your Ticket to Expanded Income





      Still confused about certain areas of GLA and GBA? Want clarification on that sunken living room? What about that attached finished area with a separate entrance? How about that Casita or the sloped ceiling? I’ve had calls about “how to adjust” and “what about…” from many appraisers. This course will answer them all. Get the facts and a brush-up on some of the more tricky situations.

       This class is an accredited 3-hr Arizona CE ZOOM course with an optional 30-minute period exam that can earn you a certificate and the designation "ANSI Sketch Master."

      Take the course with or without the ANSI Sketch Master exam, but this course is required to take the ANSI exam. Applicants must sign up for the exam at the time of registration.

    Zoom class size is limited.


    ANSI Standard for Residential Property


      The course is Arizona 3-hr CE credited


      The Exam is 20 questions requiring an 80% pass ratio. You have 30 minutes to complete the exam.

       The exam is based only on the 3-hr CE class!

    3-hr CE class-$55.00

    30 min Exam-$18.00



  • September 04, 2022 10:43 AM | David Stone

    Arizona’s Softening Real Estate Market


      Several things have occurred during the last 45 – 60 days in the real estate market of Arizona, requiring appraisers’ attention when making adjustments.

      During the last several years, the residential real estate market has experienced rapid rising home values driven by high demand, a lack of active listings, and low-interest rates. New home sales have been beyond brisk, and buyers have experienced significant equity increases even before move-in. Many homes have sold within several days and, in some cases, the day of listing.

     The market is changing. The Federal Reserve Bank has raised rates several times this year and is forecasted to increase rates several more times before the end of the year. Some forecasters have suggested rates will rise as much as one percent (100 bases points). Rate increases have caused what could be called normalization in the real estate market. Normalization in that prices are starting to decline to a more affordable level, homes are staying on the market longer, and sellers, including new home builders, have restarted offering closing incentives. Some list-to-sell ratios are below 100%.


     Is it time to reassess how we treat time adjustments and suggest exposure times? Over the past year, time adjustments could be determined, with some comfort, by measuring prices over the past three or six months. One percent, two and one-half percent per month in some markets could be supported, and days on the market at five to fifteen.

      Beware; a chart may show a significant increase in values while, in reality, there might be a dip at the most recent dates showing a decline or flatting in median home values. If adjusting, consider all the comparative data, including data reflective of the most recent period. Also, you might want to add comments reflecting short-term market conditions, further supporting your conclusions. Remember, we are recorders of history, not forecasters of the future.

    Learn and Earn


    1.     Solar, Wind, and More is updated due to electric rate changes.

    2.     ANSI Master Class is new. This class will offer an opportunity to earn a designation and receive a certificate allowing you to market yourself as an ANSI measuring expert.

    3.     Phantom Appraisals “Unmasking Income.” Learn how to find more appraisal opportunities and earn higher fees.

    Watch for course schedules within the next two weeks. All AZ CE credited for Zoom

  • May 22, 2022 10:43 AM | David Stone

    Excellent and interesting meeting the other evening (5/19/22). Both speakers offered interesting comments and data.

    I have an opinion on Bias!

    I believe I have a unique perspective on Bias in appraising and real estate sales due to my 50 years in the real estate/appraising professions. I've been a real estate Broker in three states and a Designated licensed Certified General appraiser in two states (Designations earned pre-licensing). My appraising focused on commercial and industrial until 1986, when I transitioned to primarily residential appraising. I served on the Institutional Review Appraisers Organization of New England (major lending banks) and have served on the Board of Directors at one of the country's largest All Realtor real estate boards (12,000 members in 1972).  I've experienced two riots, the end of Red Lining and buyer steering.

    I take significant exception to the claim of pervasive negative Bias in the appraisal profession. Sure, there are a few bad apples in all disciplines, but the Appraisal Profession has to be the least (negative) Bias among real estate related divisions. Suppose the appraiser selects comparable sales and listings exposed to the market from the same or similar neighborhood as the subject. In that case, Bias is towards the most likely value for the subject property! There isn't much room for subjective adjusting if the appraiser has considered all the available analytical tools and methodologies.

    I submit that if two appraisers appraise the same property, the values will be within about 10% if they have developed the report according to USPAP. Cherry-picking a few appraisals in an attempt to make a case for Negative Bias appears to be what the Federal Complaint suggests, not an in-depth and random selection of residential appraisals  

    I don't believe we need more laws or rules allowing less work and effort to determine value. The appraiser viewing a property inside and out offers a unique ability to photograph and annotate value issues not possible with desktop or drive-by appraising.

     I do think some appraisers need to return to "higher education" to brush up on the various methods of selecting and analyzing data.

    My thoughts!

  • November 02, 2021 3:56 PM | David Stone


    The appraiser said, No! The reviewer tries persuasion.




    Two Course Offerings - November 30, 2021

    Bulletproof Your Appraisal Report - 3 hours

    Solar, Wind, and More - 4 Hours

    Both Classes are Zoom Approved

    If you didn't get this notice let me know, I'll send you one

  • June 08, 2021 7:15 AM | David Stone

    Have you been using "The Ratterman Meyhod" for determining the adjustment for GLA on the URAR 1004 form?  There seems to be some confusion as to the formula.  What are you using?

  • December 08, 2017 7:54 PM | Anonymous

    Greetings to all Appraisers,

    As we share the cheer and joy of the Holiday Season, we at CoAA look warmly back on 2017 and its membership. Over the past year, we have been steadfast in our collective efforts to improve the atmosphere, across all landscapes, within our Profession. As in past years, we have made strides to initiate Legislative Action regarding protections for Appraisers against frivolous lawsuits and sought to clarify language of the Regulatory authority, amidst opposition. We are preparing to continue this pursuit with earnest in 2018, in conjunction with our internal and external Lobbyist, Legal Counsel, other AZ groups and State Representative from the Appraisal Institute. CoAA has been aligned with National and State organizations and Similar coalitions to successfully elevate the voice of our membership on a National level. It is by the “boots on the ground” effort that positive changes are being made. It is not by any small feat, that progress and change evolve from a big voice.

    In 2017, CoAA monthly meetings were attended in impressive numbers, by Active appraisers with 1 year to 50 years of experience, Lenders, Realtors, AMCs and those considering entering the Profession.  The meetings and gatherings were created to cover a host of topics of interest to our membership. Together, we broke bread at various venues across the Valley highlighting topics such as “Covering Your Appraisal” in which our membership offered the group a view into working knowledge and examples of how Quality reports, should be developed. We also took the time to review, dissect and understand the latest versions of industry contracts and purchase agreements. During the summer we heard from State and Federal employees regarding issues surrounding Superfund Sites and how our reports could be impacted. In our ever-evolving industry; we took time to share methods for increasing efficiencies and report credibility. The benefit from these meetings, as expressed by the membership,was invaluable.

    The Government Relations Committee for the 2018 calendar is currently taking shape to, once again, bringing our voice to the Legislative table. We are confident that collectively our objectivity and persistence will prevail. CoAA’s Education Committee is devising its curriculum(s) for multiple CE offerings. CoAA's commitment and advocacy to the new generation of appraisers is moving to the forefront in 2018, with the assembly of our proposed guidance and review committee. In the end, committee involvement is at the heart of CoAA, with our Volunteers playing a significant role as we work together to fulfill our mission and goals.

    When appraisers like you and I think of the CoAA, you get the understanding that it’s more than just another association, it’s a cause.  CoAA is an organization that, thanks to your support, continues to strengthen the community of appraisers consisting of your peers in AZ and across the country.

    We hope that if you’re not a member, you consider becoming a member

    Be a part of what’s great about this profession and join your voice with fellow Arizona Appraisers.

    Seasons Greetings, Blessings and Gratitude,

    Joseph Weidinger

    2017-2018 President

  • February 17, 2016 6:12 PM | Anonymous
    I hope 2016 has been profitable for all of you. There have been many changes including making sure your fee is appropriate now that lenders are dealing with TRID. You may have noticed the NAIFA and CoAA are holding joint meetings. Mark the first Wednesday, of each month, to join us for information and networking. Since there is no information coming from the DFI-Real Estate Appraisal Division via a newsletter, it is imperative that you come to meetings to get that information. 2016 appraisal statute changes are found in HB2560. Go to to follow its progress through the legislative system. There are several USPAP update classes being offered in February. Sign up for one so you will be in compliance. Watch for the meeting notice for March as we will have a real estate attorney as our speaker.

    Ann Susko

    • Fresh lime wedge (optional)
    • Margarita salt (optional)
    • 1/3 cup fresh lime juice*
    • 3 tablespoons orange liqueur
    • 2 tablespoons tequila
    • 1/3 to 1/2 cup powdered sugar
    • Ice & Garnish: lime slice

    Headscratcher of the month! What's the adjustment?

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