Data last verified: March 2026
Home Value Inc. is a Florida-certified real estate appraisal firm that provides USPAP-compliant lending appraisals for mortgage lenders, banks, credit unions, and private lenders operating in Miami-Dade and Broward County.
Jhovan F. Rojas, Florida Certified Residential Appraiser License RD6109, delivers independent property valuations that meet Fannie Mae, Freddie Mac, FHA, and VA loan requirements.
Order a certified lending appraisal from Home Value Inc. Call Jhovan Rojas at (786) 357-6511 or submit an online request to confirm turnaround time and receive a firm quote.
A lending appraisal is a certified, USPAP-compliant written report that establishes the collateral value of a property for a specific mortgage transaction.
Jhovan F. Rojas, FL License RD6109, inspects the subject property in person, selects verified comparable sales from the Miami-Dade MLS and Miami-Dade County public records, applies market-supported adjustments, and delivers a signed report to the lender documenting the property’s collateral value as of the effective date of the appraisal.
Federal law requires independent appraisals on most federally related mortgage transactions.
The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) established the federal mandate for independent appraisals on federally related transactions — a requirement reinforced by 12 C.F.R. Part 34 for national banks and Fannie Mae Selling Guide B4-1 for conventional loan originations.
Home Value Inc. lending appraisals satisfy those requirements for lenders originating purchase, refinance, and construction loans on residential and commercial properties in Miami-Dade and Broward County.
A lending appraisal differs from a general value appraisal in two key ways: the lender commissions the report, not the property owner, and the intended use is specifically to satisfy a loan condition — not to serve the owner’s purposes. For a full breakdown of how report types compare, see the comparison table below.
Mortgage lenders originating purchase loans in Miami-Dade County require an independent appraisal before funding to confirm that the property’s collateral value supports the requested loan amount.
A lending appraisal from Jhovan F. Rojas confirms that the property’s market value justifies the lender’s exposure, so the lender funds with confidence, and the loan file satisfies federal and secondary market requirements.
Refinancing lenders require a new appraisal before approving a refinance loan because the property’s value may have changed since the original purchase.
An updated Home Value Inc. appraisal for mortgage refinancing documents the current collateral value, enabling the lender to calculate the new loan-to-value ratio, confirm eligibility for the refinance program, and meet secondary market delivery requirements.
Private mortgage lenders and hard money lenders operating in Miami-Dade and Broward County use Home Value Inc. lending appraisals to document collateral value for non-conforming loans, where institutional underwriting guidelines still require an independent valuation.
Private lenders who fund without an independent appraisal assume undocumented collateral risk — a single certified report from a Florida-licensed appraiser eliminates that exposure.
Credit unions and community banks serving Miami-Dade County rely on Home Value Inc. for lending appraisals that meet OCC real estate appraisal regulations under 12 C.F.R. Part 34 and satisfy their internal underwriting policies for residential and small commercial loan files.
Home Value Inc. completes lending appraisals for the following loan categories on residential and commercial properties in Miami-Dade and Broward County.
Loan Type | Appraisal Standard Applied | Report Format |
Conventional purchase (Fannie Mae / Freddie Mac) | Fannie Mae Selling Guide B4-1 / USPAP | URAR (Form 1004) |
FHA purchase or refinance | HUD Handbook 4000.1 / USPAP | FHA-compliant URAR |
VA purchase or refinance | VA Lender Handbook Chapter 11 / USPAP | VA appraisal report |
Conventional refinance | Fannie Mae / Freddie Mac guidelines / USPAP | URAR or Form 2055 |
Condominium (purchase or refinance) | Fannie Mae Form 1073 / USPAP | Individual Condo Unit Appraisal |
Two- to four-unit residential | Fannie Mae Form 1025 / USPAP | Small Residential Income Property |
Private/hard money loan | USPAP / lender-specific requirements | Narrative or form report |
Commercial property loan | USPAP / lender-specific requirements | Long narrative appraisal report |
For lenders uncertain which report format a specific loan file requires, Jhovan F. Rojas confirms the correct form type and applicable guidelines during the order initiation call at (786) 357-6511.
Home Value Inc. follows a four-stage process on every lending appraisal assignment in Miami-Dade and Broward County, so the report satisfies lender underwriting requirements and secondary market delivery standards on the first submission.
The lender initiates the appraisal order, provides the property address, loan purpose, loan amount, and any lender-specific engagement requirements. Jhovan F. Rojas confirms the property type, the applicable report form, the fee, and the turnaround commitment before scheduling the inspection.
The appraiser inspects the property’s interior and exterior condition, measures gross living area, documents upgrades and deferred maintenance, photographs the property, and notes any conditions that require lender attention.
A single-family residential inspection in Miami-Dade runs 45 to 90 minutes. Borrowers preparing for the inspection can use the firm’s home appraisal checklist to ensure the property is ready when the appraiser arrives.
The appraiser pulls verified closed sales from the Miami-Dade MLS and Miami-Dade County Recorder, selects comparable properties within the subject’s competitive market area, and applies market-supported adjustments for gross living area, condition, location, view, and property features.
South Florida lending appraisals require waterfront premium analysis, flood zone adjustment, and high-rise condo floor-level analysis that automated valuation models consistently misapply — factors Rojas documents explicitly in every applicable report.
The South Florida appraisal process covers the full methodology in detail.
The appraiser reconciles the adjusted value indicators, completes the applicable report form, and delivers a signed, USPAP-compliant appraisal report to the lender.
Home Value Inc. delivers most residential lending appraisal reports within three to five business days of the on-site inspection. Rush delivery is available for time-sensitive closings.
Factor | Lending Appraisal | General Value Appraisal | Automated Valuation Model |
Who commissions the report | Mortgage lender | Property owner | No commission — algorithm |
Primary purpose | Satisfy the loan condition | Owner-side valuation | Consumer estimate |
Florida-certified appraiser | Yes — in-person inspection | Yes — in-person inspection | No |
Meets Fannie Mae / FHA / VA standards | Yes | Not required | No |
Accepted for loan origination | Yes — required | No | No |
Interior and exterior inspection | Yes | Yes | No |
Accounts for condition and renovations | Yes | Yes | Partially — public data only |
Accepted by Florida courts | Yes | Yes | No |
USPAP-compliant written report | Yes | Yes | No |
Typical turnaround in Miami-Dade | 3 to 5 business days | 3 to 5 business days | Instant — no inspection |
Home Value Inc. research on online appraisal accuracy in Miami-Dade documents how consistently automated valuation models diverge from certified appraised values — particularly on waterfront properties, condominiums, and properties with significant post-purchase renovations where public record data is incomplete.
Miami-Dade property values respond to market factors that require local expertise to weigh correctly.
Jhovan F. Rojas applies direct, market-supported adjustments for each factor below on every lending appraisal assignment — so the report withstands lender underwriting review and secondary market delivery scrutiny.
Value Factor | How Home Value Inc. Addresses It |
Waterfront or water view premium | Direct market-paired sales analysis for bay, canal, and ocean view properties |
Flood zone designation | Adjustment based on FEMA flood map zone and insurance cost differential |
Hurricane impact windows and roof age | Condition adjustment supported by comparable sales data |
High-rise condo floor level and view | Floor premium analysis specific to the Miami Beach and Aventura condo market |
Historic district designation | Restricted-use adjustment for Coral Gables and Miami Beach historic properties |
Post-purchase renovation quality | Interior inspection with documented upgrade adjustment |
FHA minimum property requirements | Condition notation and repair requirement identification per HUD Handbook 4000.1 |
HOA fees and use restrictions | Marketability adjustment for condo and planned community properties |
Home Value Inc. provides firm, transparent quotes at the time of order initiation. Fees below reflect the standard Miami-Dade and Broward County ranges for residential lending appraisals as of March 2026.
Property Type | Typical Fee Range | Typical Turnaround |
Single-family residential | $400 to $550 | 3 to 5 business days |
Condominium | $350 to $500 | 2 to 4 business days |
Two- to four-unit residential | $550 to $850 | 4 to 6 business days |
FHA or VA appraisal | $450 to $600 | 3 to 5 business days |
Commercial property | $800 to $1,500+ | 5 to 10 business days |
Rush delivery (add-on) | $100 to $200 additional | 1 to 2 business days |
For Miami-Dade appraisal timeline factors that affect standard turnaround windows, see the firm’s detailed guide on how long appraisals take in Miami-Dade County.
Get a firm lending appraisal quote from Home Value Inc. Call (786) 357-6511 today to confirm the report format, turnaround timeline, and fee for your Miami-Dade property.
Home Value Inc. completes lending appraisals across all of Greater Miami-Dade County, including Aventura, Bal Harbor, Bay Harbor Islands, and Biscayne Park, as well as Miami, Miami Beach, Coral Gables, Hialeah, Doral, Kendall, Homestead, North Miami, Sunny Isles Beach, and all other incorporated municipalities in Miami-Dade County.
The firm also accepts lending appraisal assignments throughout Broward County. For information on residential vs. commercial appraisal report types and which form applies to a specific loan file, contact the firm at (786) 357-6511.
What is a lending appraisal, and why do lenders require it?
A lending appraisal is a certified, USPAP-compliant written report that establishes the collateral value of a property for a specific mortgage transaction. Federal law, under FIRREA and the Fannie Mae Selling Guide B4-1, requires an independent appraisal for most federally related mortgage transactions. Lenders use the report to confirm that the property’s market value supports the requested loan amount before funding.
How does a lending appraisal differ from a general value appraisal?
A lending appraisal is commissioned by the mortgage lender to satisfy a specific loan condition and must meet applicable agency guidelines—Fannie Mae, FHA, or VA, depending on the loan type. A general value appraisal is commissioned by the property owner for the owner’s purposes and does not carry any loan-specific form requirements. Both are completed by a Florida-certified appraiser in accordance with USPAP standards.
Does Home Value Inc. complete FHA and VA lending appraisals?
Yes. Home Value Inc. completes FHA-compliant lending appraisals meeting HUD Handbook 4000.1 requirements and VA appraisals meeting VA Lender Handbook Chapter 11 standards for properties in Miami-Dade and Broward County. FHA appraisals include minimum property requirement assessments and repair condition notations as required by HUD guidelines.
How long does a lending appraisal take in Miami-Dade?
Home Value Inc. delivers most residential lending appraisal reports within three to five business days of the on-site inspection. Condominiums are typically delivered within two to four business days. Rush delivery within one to two business days is available for time-sensitive closings at an additional fee.
What happens if the lending appraisal comes in below the purchase price?
If the appraised value falls below the agreed purchase price, the lender will typically fund only up to the appraised value, creating a gap the buyer must cover with additional cash or by renegotiating with the seller. Borrowers who believe the appraised value is inaccurate can request a reconsideration of the value by submitting additional comparable sales to the lender.
Can a borrower order a lending appraisal directly from Home Value Inc.?
No. A lending appraisal must be ordered by the lender or through an appraisal management company acting on the lender’s behalf to satisfy the appraiser independence requirements under the Dodd-Frank Act Section 1472. Borrowers who need an independent valuation for their own purposes should order a general value appraisal instead.
Does Home Value Inc. complete lending appraisals for commercial properties?
Yes. Home Value Inc. completes lending appraisals for commercial properties in Miami-Dade and Broward County. Commercial property appraisals require a long narrative report format and apply the income approach, the sales comparison approach, and the cost approach, depending on property type and lender requirements. Call (786) 357-6511 to confirm scope, fee, and turnaround for a specific commercial loan file.
What information does a lender need to provide when ordering a lending appraisal?
Lenders initiating a lending appraisal order with Home Value Inc. should provide the property address, borrower name, loan purpose (purchase or refinance), loan amount, required report form, and any lender-specific engagement letter or scope of work requirements. Home Value Inc. confirms all engagement details before scheduling the on-site inspection so the report meets the lender’s underwriting requirements on the first submission.
Call Home Value Inc. at (786) 357-6511 or contact Jhovan Rojas online to order your Miami-Dade lending appraisal and receive a same-day quote confirmation.
Whether you’re purchasing a home, selling real estate, developing land as an investment, or conducting any other type of real estate transaction in Miami Beach, a professional property appraisal will streamline the process and establish the fair market value of any property.
Most official real estate forms and documents include a line item of the estimated property value, yet only a licensed and certified appraiser is qualified to provide a completely objective evaluation along with a detailed and comprehensive written report.
Home Value Inc. performs residential and commercial appraisals for its clients in greater Miami-Dade County and the following cities in South Florida. We provide services to the following cities -
