The appraiser I normally use was busy. Thus, i searched online for another appraiser in Nor Cal. I am in Southern Cal. I found thus guy (James Concepcion of 1st Step Appraisal Service) and he sounded great. little did I know he would turn out to be a total CON ARTIST. He went to my client's home, took his monmey, and never wrote up the report. This bastard avoided my phone calls and emails for almost a month. He emailed me saying that he would refund the money to my client. of course, he never did (even after I called a million times) I'm going to make sure this guys goes out of business. Be careful. My client and I are both filing complaints to the authorites. I believe my client is taking him to small claims court. When that happens, I or my colleague will be there.