JMD Integration

IF I COULD RATE LOWER I WOULD.
Just as the previous poster said, I got totally screwed on my appraisal. The appraiser literally told me that he did not know my area which raised the first alarm. Apparently, he never took a math class either because the comps he pulled were for smaller houses on smaller lots, updated as much as mine, sold for MORE but he appraised me at a smaller amount!!! How does that make any sense?
I called to complain, the person that answered the phone could barely speak English. They are all based out in the Alhambra area, so no one has any idea about the Westside of Los Angeles.
This appraiser TOTALLY SCREWED my loan, I am $ 27,000 short of where I need to be to get the refi and that is a MUCH LOWER amount than anyone else on my block who has just refinanced. My neighbor who has the SAME house on the SAME lot size, updated less than mine but appraised at almost $ 200,000 more than my property, just a week before I was appraised with (of course) an appraisal company that actually knows the market in which we live.
Nothing makes sense about my appraisal. I’ve had several real estate brokers look at it along with a few finance people and they all said the same thing, I was totally low-​balled appraised.
ALWAYS ASK WHO YOUR APPRAISAL COMPANY IS BEFORE THE APPRAISER COMES, IF THEY SAY «JMD» OR «GREENEXPRESS» OR «AAA APPRAISAL ADVANTAGE», DEMAND ANOTHER APPRAISAL COMPANY.
These guys have no idea what they are doing…

DO NOT USE THEM. FAKE APPRAISER WITH MANY NAMES! YOUR PROPERTY WILL APPRAISE $ 100K LESS THAN MARKET VALUE!!!
APPRAISER DIDN’T SHOW. SENT RANDOM UNLICENSED PERSON. — Appraiser was 1.5 hours late for our refi. We complained to the coordinator, the appraiser then sent his minion/​friend/​relative/​who knows. When asked for a business card, the minion said no business cards, when asked for the company phone number, the minion didn’t know. Obviously this person sent to our house was an unlicensed random person.
INACCURATE APPRAISAL — Appraisal report came out $ 120k less than market. We are not tooting our own horn. Our neighbor across the street literally 30 steps away sold recently at exactly the same price as this appraisal price but is 700 sqft smaller with a closed kitchen and outdated bathrooms. Our kitchen is updated and open to the family room, which is really rare in an old neighborhood, plus both our bathrooms are updated with granite and travertine, lot size is the same for both houses. Appraisal report has wrong sqft of our house from the unlicensed minion. Comparisons used have smaller sqft, fewer bed/​bathrooms, but ignored houses on our block with similar sqft and bed/​bathrooms. This is our 4^th refi so we have previous appraisals. We think the appraiser gave us much lower value in revenge due to we complained to the refi company. Luckily we have lots of equity, even with a shitty appraisal (even the refi company thought it was way too low), we still got 2.875% interest.
MULTIPLE COMPANY NAMES LISTED — Very iffy to have 3 different appraisal company names and 2 different company addresses in the report: JMD Integration, Greenexpress Appraisal, and AAA Appraisal Advantage. Appraiser name is Hsueh T. Chen, appraiser ID # AL042664, with 2 different addresses for this person in the report.
DO NOT USE THIS COMPANY. I understand if they are pissed we complained about their tardiness and appraisals are subjective, but to shave $ 100K+ off market value when they sent a random person?! If you are buying a house, you’ll never qualify for a loan!