Spiel Appraisal Services provides residential appraisals for private lending, collateral review, bridge loans, private mortgage matters, portfolio review, and property-backed financial decisions.

Led by Paul A. Spiel, SRA, a State Certified General Real Estate Appraiser with more than 40 years of experience, the firm prepares well-supported residential appraisal reports for private lenders, real estate investors, and individual clients.

Paul has completed thousands of residential appraisals, giving clients the benefit of experienced judgment, local market knowledge, and well-supported reporting. Appraisals are prepared to conform with the Uniform Standards of Professional Appraisal Practice (USPAP).

Private Lending Appraisals May Be Needed For

• Private mortgages or residential collateral loans
• Bridge loans or short-term financing decisions
• Portfolio or private client review
• High-end homes outside conventional lending parameters
• Waterfront, oceanfront, golf community, or custom homes
• Vacant residential land
• Properties held in trusts, estates, LLCs, land trusts, or family entities
• Properties being renovated, repositioned, expanded, or improved

For lenders and advisors, an appraisal can provide market-based support for collateral review, loan documentation, and risk assessment. For property owners and borrowers, it can provide clarity when residential property value is central to a private lending decision.

As-Is and As-Completed Appraisal Considerations

Private lending assignments may involve properties that are being built, renovated, or otherwise improved. Depending on the assignment, current stage of completion, or lender requirements, an as-is opinion of value, an as-completed opinion of value, or both may be required.

High-End and Complex Residential Property Experience

Private lending matters may involve properties that require more than a standard residential appraisal approach, including waterfront and oceanfront homes, golf community properties, custom homes, newly built or renovated residences, vacant residential land, and complex or atypical residential assets.

Timely Reporting for Lending Decisions

Private lending matters are often time-sensitive. Bridge loans, private mortgages, refinance decisions, estate and trust related lending may require an appraisal within a defined expected turnaround time.

Before the assignment begins, Spiel Appraisal Services works to clarify the property, collateral context, intended use, intended user, reporting needs, available information, and expected turnaround time.