BEWARE - IF YOU ARE BUYING A HOME OR TRYING TO REFINANCE. DO NOT USE THERESA LEICHNER FOX FROM FOXCO APPRAISAL SERVICES ASSOCIATED WITH M&T BANK. ASK FOR A “QUALIFIED APPRAISER FROM YOUR AREA”. IF YOU REFINANCE IN VIRGINIA, ASK WHO THE APPRAISER IS GOING TO BE AS THIS COULD SAVE YOU THOUSANDS OF DOLLARS IN REFINANCING COSTS. MAKE SURE THEY USE AN APPRAISER FROM YOUR COUNTY AND KNOWS THE AREA!!! ONE GOOD THING, MOST BANKS USE ETHICAL APPRAISERS. AS FAR AS I KNOW, ONLY M AND T BANK - M&T BANK IS USING THERESA LEICHNER... read full review »