Yes.  We determine value in several different ways: 1) appraisal from a licensed appraisal; 2) appraisal from real estate broker (Broker Price Opinion); and/or 3) internal appraisal by our underwriting team.  You will be charged up-front for our valuation of the property and we will obtain the type of appraisal that best allows us to determine value.  These fees are non-refundable.