About PAM

Restoring fairness, transparency, and professional integrity to the appraisal process.

Founded in 1995, PAM was built by appraisal industry veterans who understand both sides of the transaction — the lender’s compliance burden and the appraiser’s day-to-day reality.

Our Mission

To restore fairness, transparency, and professional integrity to the appraisal process — by giving lenders direct, compliant control over appraiser engagement and giving appraisers the fair compensation their expertise deserves.

The PAM Difference

The traditional AMC model is broken. It was sold to lenders as a compliance shortcut, but in practice it created a layer of intermediation that hurts everyone except the AMC itself.

Inflated cost. AMCs often charge as much or more than the appraiser actually earns.

Geographic incompetence. Appraisers are routinely sent hours from the property to chase the cheapest bid.

Quality race to the bottom. The least qualified appraisers — those who accept the lowest fees — get the most work.

Zero borrower transparency. Borrowers have no idea what’s markup vs. actual appraisal compensation.

Death by a thousand fees. Order acceptance fees, payment processing fees, technology fees — all squeezed from the appraiser.

Why Lenders Choose PAM

Control

Select appraisers you trust — not whoever takes the lowest fee.

Quality

Work with local experts who know the market intimately.

Compliance

100% compliant rotation, with full documentation, automatically.

Economics

Offer competitive appraisal pricing as a real market differentiator.

Transparency

Complete visibility for your team and your borrowers.

Simplicity

No contracts, no hidden costs, no setup fees. Ever.

Who We Serve

PAM is built for any institution ordering residential or commercial appraisals — from regional banks to independent mortgage bankers.

Mortgage Companies

Mortgage Banks

Credit Unions

Private Lenders

Community Banks

Independent Mortgage Bankers

Non-QM Lenders

Commercial Lenders

David Cedar

President

dcedar@pamvalue.com
(631) 319-6161

Experience Since 1995

PAM was founded in 1995 as a real estate appraisal firm. Over 20 years, we watched the rise of the AMC model — and we watched it quietly erode quality, fairness, and trust on both sides of the order.

We built the PAM platform because we know the daily realities firsthand. We know what lenders need to stay compliant without losing control. We know what appraisers need to do their best work without being squeezed. And we know what borrowers deserve: transparent pricing for an honest, qualified appraisal.