I am refinancing my condo which is a property that has direct waterfront. I have upgraded the 2 bathrooms, fireplace and installed bamboo floors. Pat Cerino came to my condo for the appraisal and I showed him the improvements. Most of the information was not noted in his report. Then he used 3 comparisons of condo that sold that were all 2 bedrooms and I have 3 bedrooms. He said my condo was worth about $15, 000 more then these. No of these were direct waterfront. Then he had 2 other condo that were for sale in my complex that are also direct... read full review »