Audino & Associates

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Welcome to our home page. We are a leading provider of real estate valuations for the mortgage lending marketplace with over 20 years of experience in the business, we have a proven track record of reducing time, efforts and costs in managing the appraisal process.

DATE OF APPRAISAL Back to top The specific point in time as of which an appraiser designates the value of a home. Often stipulated as the date of inspection. DEBT Back to top An obligation to repay some amount owed. This may or may not be monetary. DEBT EQUITY RATIO Back to top The ratio of the amount a mortgagor still owes on a property to the amount of equity they have in the home. Equity is calculated at the fair-market value of the home, less any outstanding mortgage debt. DEED Back to top A document indicating the ownership of a property.

LATE CHARGE Back to top An extra charge, or penalty added to a regular mortgage payment when the payment is made late by an amount of time specified in the original loan document. LATENT DEFECTS Back to top Any defect in a piece of property which is not readily apparent, but which has an impact of the value. Structural damage or termite infestation would be examples of latent defects. LEASE Back to top A contract between a property owner and a tenant specifying the payment amount, terms and conditions, as well as the length of time the contract will be in force.

At Audino and Associates , we have experience in both providing snapshots of fair market value for our mortgage lending and servicing clients as well as "quick sale" forecasts that understand your timeline.

Attorneys and Accountants rely on our values when calculating real property values for estates, divorces, or other disputes requiring a value being placed on real property. We understand their needs and are used to dealing with all parties involved. We provide appraisal reports that meet the requirements of the courts and various agencies.

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