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Appraisal Management, Reimagined

Take Control of Your Appraisal Process

The only platform that lets lenders manage appraisals in-house — no AMC markup, no middlemen, 100% compliant across all 50 states.

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25%–40%

Borrower savings

50

States compliant

$99

Flat fee per order

A Better Way to Order Appraisals

We offer a residential platform and a commercial platform.

PAM gives mortgage lenders a fully compliant, lender-managed alternative to traditional AMCs — with measurable savings for borrowers and fair compensation for appraisers.

25%–40% Cost Savings

Eliminate AMC markups. Borrowers save hundreds — even thousands — per appraisal.

100% Compliant

Approved in all 50 states. Meets all federal and state requirements, including AIR.

Full Control

Build your own roster. Choose qualified, local appraisers you actually trust.

How PAM works

We offer a residential platform and a commercial platform.

Four straightforward steps to a transparent, compliant, in-house appraisal workflow.

01

Build your roster

Select qualified, geographically competent appraisers you trust.

02

Automatic rotation

Our software handles compliant rotation across markets and sectors.

03

Seamless integration

Works natively with Encompass and all major LOS platforms.

04

Complete transparency

Track, document, and audit every transaction end-to-end.

Get up and running, fully integrated, and ready to go in 30 days — not 30 weeks.

Appraisal Management, Reimagined

"The appraiser at your borrower's door should know the neighborhood — not be three hours from it."

PAM helps lenders ensure that geographically competent professionals are on every order, not whoever happens to accept the lowest fee from a distant call center.

Built to Benefit Everyone in the Transaction

For Lenders

  • Reclaim full control over appraiser selection and quality oversight
  • No contracts, no hidden fees, 100% free platform
  • Complete visibility and compliance documentation
  • Seamless LOS integration

For Borrowers

  • Save 25%–40% on appraisal fees ($650–750 typically becomes $499)
  • Work with local, qualified appraisers who know the area
  • Faster turnaround with direct communication
  • Full transparency on costs

For Appraisers

  • ALL APPRAISERS PAID NEXT DAY AFTER DELIVERY
  • Fair compensation — no AMC taking 40–60% of the fee
  • $0 order acceptance fees (vs. typical $31.50)
  • $0 payment processing fees (vs. typical $15)
  • Work with quality lenders who value your expertise

The Problem We Solve

Traditional Appraisal Management Companies sit between lenders and appraisers, marking up the cost of every appraisal while reducing appraiser pay. The borrower foots the bill. PAM replaces the middleman with a transparent, lender-managed platform.

Traditional AMC

Borrower pays $750 · AMC keeps $350 · Appraiser gets $400

PAM Model

Borrower pays $499 · PAM keeps $99 · Appraiser gets $400

Real example

Brooklyn 3-family appraisal

Traditional AMC

$1,500–1,800

With PAM

$999

$900 appraiser + $99 PAM
Same appraiser. Same quality of work. Hundreds of dollars back in the borrower’s pocket — and a more competitive offer from your lending team.

Meet the Founder

A Platform Built by an Industry Veteran

PAM was founded by David Cedar, an appraisal industry veteran with experience dating back to 1995. After almost 20 years of watching the AMC model erode quality, fairness, and trust on both sides of the order, he built PAM to give lenders direct, compliant control — and give appraisers the fair compensation their expertise deserves.

David Cedar

President · The Private Asset & Management Group, LLC

dcedar@pamvalue.com · (631) 319-6161

Read Our Story

Frequently Asked Questions

Straight answers to what lenders, borrowers, and appraisers ask most.

How much does PAM cost for lenders?
PAM is 100% free for lenders. There are no platform fees, no contracts, and no setup costs. The only fee is our $99 flat fee per order, which goes to PAM to maintain the platform. This replaces the typical $300–$800 AMC markup.

Yes. PAM operates under a lender-managed, appraiser-direct engagement model that is approved and fully compliant in all 50 states. Our platform satisfies all federal and state regulatory requirements, including Appraiser Independence Requirements (AIR).

Borrowers typically save 25% to 40% on appraisal costs. A standard single-family appraisal that costs $750 with a traditional AMC costs $499 with PAM ($400 appraiser fee + $99 PAM fee). For a Brooklyn 3-family property, savings are even more dramatic: $999 with PAM vs. $1,500–$1,800 with a traditional AMC.

Yes. PAM integrates seamlessly with Encompass and all major Loan Origination Systems. The integration is straightforward and our team provides full setup support and training.

No. PAM requires no contracts. Lenders maintain complete flexibility and can use the platform order-by-order with no long-term commitments.

An AMC is a third-party intermediary between lenders and appraisers. Many lenders believe they must use one, but the Dodd-Frank Act only requires a compliant appraisal process — not specifically an AMC. PAM provides that compliant process without the AMC markup.

Lenders build their own roster of qualified appraisers — experienced, geographically competent professionals you trust, not whoever accepts the lowest fee. The platform then automatically rotates through your curated roster to maintain compliance.

Unlike traditional AMC platforms, PAM charges appraisers zero fees. No order acceptance fees ($25 to $30+ per order typically), no payment processing fees (typically $15), and appraisers receive fair compensation instead of having 40–60% taken by an AMC.

Get started

Ready to eliminate AMC markups?

Schedule a 30-minute platform demo. We’ll walk you through compliance, integration, and the savings your borrowers will see on their first order.
See How PAM Works
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