Quick hits from the ValuVault
Condition vs. Quality - What’s the Difference
Upkeep (condition) and craftsmanship/materials (quality) each pull value in different ways; use both lenses to price and prep files.
Permits, separation, and market demand decide whether an ADU actually lifts value; see the quick checklist and when it doesn’t move the needle.
When the appraised value falls below the contract, your options hinge on comps, cash-to-close, and timing; get the playbook to keep deals moving.
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"As a Mortgage loan Processor, my goal is to ensure that all my loans close as efficiently and fast as possible. A very important part of the process is the Appraisal Report. My company has plenty of AMC’s available. However, I always choose Nationwide Property and Appraisal services for the following reasons: Integrity, Service, and sense of Urgency.
Any time I need assistance from Nationwide, I contact Rockie Traugott. She goes above and beyond to ensure any urgent request is addressed right away for a fast resolution.
Lastly, I want to express my Gratitude to Nationwide for their continued professionalism and support."
— Macarena Riestra Da Silva, Processor - Rize Mortgage
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"We’re excited to welcome Kevin Green as our new Vice President of Commercial Development! With over 20 years of experience in both commercial and residential lending, Kevin has built a strong track record of business growth while earning the trust of his clients. What sets Kevin apart is his ability to understand client needs on a deeper level—insight he’s gained through his own first-hand experience in the field. In just a short time, he’s already shown the impact of his expertise and passion for helping clients succeed. We’re confident Kevin’s leadership will further strengthen our relationships with clients and partners while driving continued growth in our commercial business."
- Carlyle Holt, SVP/General Manager Commerical Division
VP of Commercial Development
Meet Kevin Green, our new Vice President of Commercial Development at NPAS. With 20+ years in the financial industry—including roles across commercial banks and credit unions—Kevin built his career as a Mortgage Loan Originator in both commercial and residential lending. He’s known for business development, sales growth, and portfolio management, always acting as a trusted advisor to clients.
A graduate of the Pennsylvania Bankers Advanced School of Banking and the School of Commercial Lending, Kevin is well-equipped to help drive NPAS’s commercial business growth and strengthen relationships with our partners and clients.
Outside of work, Kevin enjoys time with his wife, Rachel, and their two adult sons, Jacob and Andrew. You’ll often find him outdoors or cheering on his favorite teams.
Please join us in welcoming Kevin to NPAS!
"I'm thrilled to be joining the company and look forward to collaborating with both existing and prospective clients to build lasting relationships and drive growth."
— Kevin Green, VP of Commerical Development
Kevin with his wife, Rachel, and their two sons, Jacob and Andrew
AZAMP | Phoenix | Sept 16
We exhibited at AZAMP and spent the day meeting Arizona lenders and brokers, talking turn times, HELOC volume, and complex property coverage. Thanks to everyone who stopped by the booth.
IMN HEI/Home Equity Capital Markets | Austin | Sept 8
Heather and Stephanie met with home equity leaders to compare valuation workflows and QC approaches.
ACUMA Annual Conference | Denver | Sept 21
Stephanie and Erik connected with credit union teams about alternative valuations, BPOs, and member experience.
Five Star Conference & Expo
September 29th in Dallas, TX
NEXA Fest 2025
October 1st in Dallas, TX
ARRO Fall Conference
October 6th in Atlanta, GA
APEX 2025
October 15th in Uncasville, CT
Appraisal Institute State of Atlanta Conference
Ocotber 16th in Atlanta, GA
NAMB National 2025
October 17th in Las Vegas, NV
MBA Annual 2025
Ocotber 19th in Las Vegas, NV
CrossCountry Mortgage Sales Rally
October 27th in Miami, FL
NYC Real Estate Expo
October 28th in New York, NY
America's Credit Union Lending Conference
November 2nd in Anaheim, CA
19 years
Drew Guenther, VP - Marketing & Graphic Design
17 years
Annette Fanning, AP Specialist
11 years
Tyler Fallon, SVP - Business Support & Technology
10 years
David Kramer, VP - Senior Account Executive
7 years
David Fain, SVP - Sales Team Lead
Ramon Ruize, Senior Eviction Specialist
6 years
Nicholas Rodriguez, Inside Account Manager
Kathy Ridgway, Staff Appraiser
3 years
David Bolhuis, Staff Appraiser
Ken Midzenski, Staff Appraiser
2 years
Patricia Griffith, Staff Appraiser
