If Christopher J. Smith, MRA shows up at your door to do an appraisal for a re-finance of your home, do not let him in and call the mortgage company and DEMAND another appraiser. This clown came and did an "appraisal" for my home and low balled the amount to 30% below standard market. I paid for my own appraisal and low and behold it was worth more than this idiot stated. He compared my home to homes 10 miles away, in different sub-divisions etc etc. This moron is a lackey of the banks and if you are trying to save money... read full review »