ValuNation: Recent Episodes
Nationwide Property & Appraisal Services
Do you want the inside scoop on all things appraisals? Join host Charlie Johnson and Michael Schwartz every other week as they delve into the industry’s intricacies. ValuNation, presented by Nationwide Property and Appraisal Services, can be found on YouTube or wherever you stream podcasts.
In this episode, Charlie flips roles and takes the mic to talk with Michael and Dalila at MBA Annual in Las Vegas. They get into why Q4 isn’t slowing down, what’s ahead for 2026, and how the USRES acquisition opens new doors for Nationwide. It’s a real, unfiltered conversation with the guy behind ValuNation—plus a few laughs, podcast struggles, and maybe a taco tattoo. Check out more at www.nationwideamc.com
In this week’s ValueVault episode, Charlie Johnson explains why condition and quality aren’t the same—and why that matters for price. – Condition = upkeep: repairs, cleanliness, wear and tear – Quality = materials and craftsmanship: economy/basic vs. custom/luxury build – A home can be in excellent condition, but builder-grade quality, or high-end quality, but poorly maintained – Appraisers use UAD ratings: Condition C1–C6 and Quality Q1–Q6 to keep reports consistent – Pricing and marketing should reflect both: maintenance level and construction/finish level 📌 Appraisers: Support adjustments using UAD C and Q ratings plus paired sales (condition vs. quality impacts). 📌 Agents/Sellers: Describe upgrades by type and grade (e.g., quartz counters, custom millwork) and note recent maintenance. Bottom line: Condition is upkeep. Quality is craftsmanship. Both affect value differently.
Charlie Johnson explains how accessory dwelling units (ADUs) actually translate into value.
– ADU = a permitted, self-contained living unit on the same lot (sleeping, cooking, sanitation, and independent access)
– Market demand matters: some areas pay a strong premium; others, only modest lift
– Permits & conformity: code-compliant (and where required, separately metered) units typically contribute; unpermitted or non-conforming spaces can be ignored—or treated as a risk
– How appraisers handle ADUs: look for closed sales with comparable ADUs; adjust for size, quality, privacy, and functionality
– Documentation wins: permits, plans, utility setup, photos, and (when applicable) rental history help support value
📌 Appraisers: Verify permits and zoning; note legal vs. non-conforming status; use ADU comps and explain the adjustments.
📌 Agents/Owners: Pull permits, confirm utilities, and provide ADU comp sales in your packet—don’t overstate unpermitted spaces.
Bottom line: A permitted, well-executed ADU can boost price and appeal. Make sure the paperwork is as solid as the structure.
Charlie Johnson breaks down what an appraisal gap is and the smart ways to handle it.
– Appraisal gap = appraised value < contract price (common in bidding wars) – Appraiser’s job is market value, not “what a buyer paid” – If recent closed comps don’t support the contract price, the value reflects that – Buyer options: bring cash, renegotiate, or challenge with better data (ROV) – Agents should prep a clean packet: multiple-offer context, concessions, DOM, strong pendings (for momentum), and relevant closed comps
📌 Appraisers: Document the market conditions and support conclusions—no guesswork. 📌 Agents/Buyers/Sellers: Be proactive—share offer details, concessions, and true comps up front to avoid surprises.
Bottom line: In fast markets, appraisal gaps happen. Prepare, document, and plan your path to closing.
Charlie Johnson demystifies why “comps” are the gold standard for valuing homes.
– Three approaches: Cost, Income, and Sales Comparison (most common for residential) – Analyze recent, similar closed sales (size, age, condition, location) – Adjust comps for differences: beds/baths, GLA vs. below-grade, finished basement, upgrades, lot, view, garage/pool, time/market conditions – It’s not about the highest sale—it’s about the most relevant evidence and a clear reconciliation – Appraisers document trend data (pendings/actives for context, concessions, DOM) to support the conclusion
📌 Appraisers: Support adjustments with paired sales and explain weighting/reconciliation. 📌 Agents/Sellers: Send a clean data pack—updates & permits, measurements, offer activity, concessions—so the report reflects reality.
Bottom line: Sales Comparison is the gold standard because it mirrors what the market actually paid.
Charlie Johnson explains why two homes just steps apart can have five-figure price gaps—even inside the same area.
– Not just city/ZIP: school district boundaries, traffic/noise exposure, proximity to amenities, lot orientation, and nearby influences (e.g., power corridors, commercial) – Backing a major road vs. a tucked-away interior placement can shift what buyers will pay—convenience, quiet, and aesthetics matter – Parents often value school zones more than city lines – Appraisers convert these differences into value with matched-pair sales, bracketing, and clear market-supported adjustments
📌 Appraisers: Group comps by boundary/exposure/amenity context; support adjustments with paired sales and explain the reconciliation. 📌 Agents/Buyers/Sellers: Comp against truly similar placement and surroundings; disclose exposures and highlight positives (parks, trails, convenient retail).
Bottom line: Beyond the ZIP, surroundings and placement drive price.
Charlie Johnson explains how appraisers handle rising prices when recent comps haven’t caught up.
– When closed sales lag current demand, appraisers apply time (market-conditions) adjustments based on trend analysis
– Paired sales (similar homes sold at different dates) help estimate appreciation between contract and closing dates
– Pendings/actives can support an upward trend, but carry less weight than closed comps
– Reports include extra commentary to reconcile “stale comps” with today’s market—documentation, not guesswork
– Agent intel matters: multiple offers, escalation clauses, concessions, and days-on-market help tell the pricing story
📌 Appraisers: Support time adjustments with measurable data (paired sales, MLS stats, market addenda) and explain the reconciliation.
📌 Agents/Sellers: Share offer counts, contract dates, concessions, and strong pendings up front—don’t make the appraiser chase it.
Fast market ≠ fuzzy math. Share the data and tell the story behind the price.
Charlie Johnson drills into ANSI rules so you don’t miscount—and misprice—your living area.
– Only finished, above-grade space goes in Gross Living Area (GLA)
– Basements? Nope—even luxe ones with bars & bowling alleys
– Attics need ≥ 7-ft ceilings and permanent stairs to qualify
– Finished garages never count; enclosed porches only if heated & finished to main-house quality
– Inflated square footage can blow up contracts when the appraisal comes in short
📌 Appraisers: Stick to ANSI, flag MLS/public-record mismatches before they derail the deal. 📌 Agents/Sellers: When in doubt, get a certified measurement—accuracy builds trust and keeps contracts alive.
Square footage can make—or break—a deal. Know what counts. Measure it out. 📐
Charlie Johnson unpacks why “price per square foot” can point you in the wrong direction—and how to use it the right way.
– PPSF = sale price ÷ living area; quick, but not value by itself
– Not all square feet are equal: updates, layout, construction quality, location, lot size, pools/garages all shift value 📏
– Some spaces aren’t counted in GLA (e.g., many finished basements are below grade)
– Appraisers use PPSF as a secondary check after market-supported adjustments for condition, amenities, and appeal
📌 Appraisers: Treat PPSF as a cross-check; lean on paired sales and local standards (especially for below-grade/bonus areas).
📌 Buyers/Sellers: Look past the number—verify what’s included in square footage and compare true like-for-like comps.
Price per square foot is a helpful marker—not the finish line. Context wins.
Did you know that poor layouts and outdated features can quietly drag down property value?
This episode of ValuNation: The ValuVault explores functional obsolescence — what it is, how it manifests in homes, and what buyers and mortgage professionals should look out for.
Watch now and elevate your valuation expertise.
Charlie Johnson breaks down how mortgage pros and buyers use the income approach to value commercial properties.
– Formula: Net Operating Income ÷ Cap Rate
– Example: $2M retail strip earning $150K with a 7.5% cap rate– 2025: Industrial cap rates = stable 6–8%, office = higher, more risk
📌 Mortgage pros: Verify income data—leases, expenses, and realistic rents.
📌 Buyers: Compare cap rates to local market averages to catch inflated prices.
Working with the right AMC or lender makes all the difference. Visit nationwideamc.com to learn more!
Charlie Johnson explains why where your property sits often matters more than what’s inside it.
– Tight 2025 inventory = premium for prime areas
– Same home, different neighborhood = huge value swing– Proximity to jobs, schools, transit can boost value by 10% or more
📌 Buyers: Check school ratings and commute stats before you bid.
📌 Mortgage pros: Keep comps hyper-local—within a quarter mile for urban spots.
Location is the one thing you can’t renovate. Do the homework upfront.
New from the ValuVault!🌟
Charlie Johnson explains why relying on your property tax assessment can cost you—big time.
– Tax assessments are for local revenue, not true appraisals
– Outdated data and old formulas can lag real value by 10–20%
– They ignore upgrades that a real appraiser will include
📌 Buyers: Use comps or hire an appraiser for real market value before you bid.
📌 Mortgage pros: Remind clients to anchor loan amounts to comps, not tax records.
A quick BPO is an easy, affordable step to get it right.
Charlie Johnson shares exactly how to pull the right comparable sales—so you don’t overpay (or under-appraise).
– Keep it close: Within half a mile for urban, up to a mile for rural
– Keep it current: Last 6 months only—older comps can undervalue
– Match features: Square footage, beds/baths, lot size, condition
📌 Buyers: Always review the appraisal report to see which comps were used.
📌 Mortgage pros: Double-check with MLS to validate accuracy.
Run your numbers right—your deal depends on it.
Cap rate = one of the most important metrics in CRE—and Charlie Johnson is breaking it down.
– Formula: Net Operating Income ÷ Purchase Price
– Current average: 6–8% for industrial, nearing 10% for lodging
– What it tells you: Lower cap rate = higher valuation, less risk Higher cap rate = lower value, higher risk
📌 Mortgage pros: Compare to market averages and verify income.
📌 Buyers: Confirm NOI and target stable returns.
Need a BPO or AVM for a commercial property? Head to nationwideamc.com for more info.
New construction is heating up in 2025 🔥—but appraising these homes isn’t easy.
Charlie Johnson explains why:
– Limited comps
– Upgrades that don’t always match appraisal value
– Slower price growth
🏡 Buyers: Ask for builder comps before making an offer.
📋 Mortgage pros: Confirm the appraisal includes recent community sales and upgrades.
Learn more about our new construction team at nationwideamc.com.
New Segment Drop: ValuNation’s Market Update is here!
This week, Charlie Johnson breaks down what’s driving property values right now—and why mortgage pros and buyers need to stay sharp.
🏠 Mortgage rates are steady but still high (6.923%), keeping affordability tough and slowing home price growth.
📉 Valuations are cooling in places like Seattle and Austin.
🏗️ Buyers: Look to new builds for rate buy-downs and credits.
📋 Mortgage pros: Use 2025 comps only—today’s market is shifting fast.
🎯 Whether you're appraising or house hunting, staying informed is key.
📍 Watch now and subscribe to ValuNation to stay ahead of market trends.
Welcome to ValuNation’s Valuation Tip of the Day!
In this episode, Charlie Johnson tackles a common misconception in real estate: the reliability of Zillow’s Zestimate. 🏡💸
Today’s tip: ⚠️ Don’t over-rely on automated valuations like Zestimates. They’re a popular starting point, but they’re not true appraisals. These AVMs (automated valuation models) pull from public data—but they often miss crucial market details like home condition, neighborhood demand, and recent sales trends. In volatile markets, Zestimates can be off by 5–10%, according to Zillow itself. 🔍 Example: A home in Atlanta valued at $400K might show a Zestimate of $420K, completely missing a local price dip.
Takeaways:
✅ Buyers: Use Zestimates as a rough guide—then check comps or get a professional opinion.
✅ Mortgage professionals: Educate your clients. Lenders require accurate appraisals or BPOs (Broker Price Opinions), not algorithmic guesses.
🎧 Subscribe to the ValuNation podcast for more quick, expert-backed insights into U.S. property valuation.
📍 Learn more about BPOs and other valuation solutions at: https://www.nationwideamc.com
In this episode, we sit down with Rida Sharaf, a seasoned real estate professional with deep roots in valuation, mortgage servicing, and portfolio management. From his early days growing up in Dana Point, CA, to navigating the high-stakes world of escrow and mortgage risk, Rida shares his journey and the pivotal moments that led him to USRES & RES.NET.
We explore the evolution of the real estate and mortgage servicing industry, touching on key topics like:
🏡 The infamous $1.2M peekaboo ocean view condo that signaled shifting market conditions
💰 The 2008 financial crisis and how USRES scaled to meet unprecedented demand
🔍 The intersection of valuation, risk management, and default services—and how they shape the mortgage industry
🤝 The power of partnerships, customer-first service, and technology in driving long-term client relationships
🌊 Plus, a little SoCal lifestyle talk—surfing, snowboarding, and even sardines
Now part of the Nationwide family, Rida and his team bring a new dimension to how we serve lenders, servicers, and investors across the mortgage lifecycle. Tune in for a deep dive into the business of real estate, the importance of trust in client relationships, and what’s next for the industry.
Summary: This conversation features a lighthearted exchange between the host Charlie Johnson and Michael Schwartz, touching on various topics including cultural references, personal anecdotes, current events, and audience engagement. The discussion flows naturally from humor to insights on new products and services, while also addressing audience questions and social media trends. The hosts reflect on past experiences and conclude with thoughts on future plans, creating a well-rounded and engaging dialogue.
Chapters
00:00 Welcome Back and Sports Banter
02:37 Baseball Playoffs and Team Dynamics
04:41 Hurricane Discussions and Community Impact
05:30 Disaster Inspections and Real Estate
08:10 Navigating the Mortgage Landscape
11:10 Sponsorship and Industry Events
14:05 Fed Rate Drops and Market Implications
15:47 Housing Inventory and Market Trends
18:34 Professional Guidance in Real Estate
21:17 Upcoming Industry Events and Networking
23:54 Closing Thoughts and Future Plans
In this insightful episode of ValuNation, we sit down with Sri Velamati, the dynamic CEO of Nationwide Property Appraisal Services, for an engaging and wide-ranging conversation. Join us as we delve into an array of topics that go beyond the boardroom.
In this electrifying episode of ValuNation Podcast, we’re shaking things up as our very own producer, Jordan Sandlin, steps into the spotlight! Join us for a journey through the vibrant corridors of pop culture before we dive into the heart of a generational showdown: Millennial vs Gen Z. It’s a playful battleground where 'girl math' meets new-age slang, and the air is thick with memes, trends, and friendly rivalry. Whether you're a '90s kid at heart or a TikTok trendsetter, this episode offers a hilarious yet insightful exploration of the languages, lifestyles, and laughs that define two dynamic generations. Tune in and find out where you stand in the great generational debate on ValuNation Podcast – your go-to place for all things now and nostalgic!
In this exciting episode of ValuNation, we sit down with Nathan Priest, Owner of SNP Holdings, LLC, to dive deep into the world of real estate and unveil the hidden truths behind the term "Mortgage Handcuffs." Nathan shares invaluable insights that are crucial for both home sellers and buyers navigating today's competitive market. Discover the strategies, tips, and expert advice you need to break free from the constraints of mortgage handcuffs and make informed decisions. Plus, don't miss Nathan's incredible high school baseball story, where he faced off against none other than baseball legend Albert Pujols! Stay tuned for this captivating episode, set to release tomorrow, and make sure to subscribe to ValuNation Podcast for more exclusive interviews and real estate wisdom. Join us on this journey of knowledge and empowerment in the world of real estate.
Join us for an awe-inspiring conversation with Jenessa Miller, as she takes us on a remarkable journey through her life and career. From the mortgage industry to handling celebrities at Comicon, family moments, furry friends, and a deep love for music, this episode has it all!
Welcome back to the Valunation Podcast! Join us for the thrilling continuation of our enlightening conversation with Raquel Borras, the Queen of Goofiness and Bodacious Brand Strategist. In Part 2, we delve even deeper into the art of authentic branding, social media strategy, and the power of bridging generational gaps. Raquel shares more invaluable insights and reveals strategies to supercharge your marketing efforts.Don't miss this opportunity to gain a fresh perspective on branding and marketing in the digital age.
📣 Are you ready to elevate your social media game and bridge the generational gap? Join us in this captivating interview with Raquel Borras, the self-proclaimed Queen of Goofiness and a renowned Bodacious Brand Strategist. In this episode, Raquel shares her invaluable insights into: 🚀 Crafting effective social media strategies that work across generations. 🌟 The art of branding and marketing in today's digital age. 🎤 Hosting 'Raq The Boat Show' to connect and engage with diverse audiences. 🎉 Injecting fun and creativity into your marketing efforts. Get ready for an engaging conversation filled with wisdom, humor, and actionable tips to help you conquer the social media realm. Don't forget to hit that like button, subscribe, and ring the notification bell to stay updated with our latest episodes!
In this episode of the ValuNation Podcast, join us as we delve into the inspiring stories of our inside team members. In "The Come Up Chronicles," we sit down with John Weisser, an inside account manager for Nationwide Property & Appraisal Services, to uncover his remarkable journey in the industry and beyond.Get ready to be captivated as John shares his experience of moving from Portland to Phoenix in pursuit of his dreams and how he has flourished during his impressive 7-year career. But there's more to John than meets the eye – discover the surprising and fascinating world outside of work, where he takes center stage as a member of a thrilling metal band.This engaging episode offers an exclusive peek into the lives of our talented team members and reveals the passions that drive them beyond their professional roles. Don't miss this opportunity to be inspired and motivated by John's incredible story.Tune in to the ValuNation Podcast on your favorite podcast streaming platform, or catch the video interview on our YouTube channel. Get ready to embark on a journey of growth and resilience with "The Come Up Chronicles"!
Welcome to the thrilling Candy Bar Draft, where Valunation, the confectionery connoisseur, handpicks the ultimate favorites for two esteemed candy bar teams: the East Coast Dream Team and the Kansas City Candy Bar Club! Get ready for a sugar-filled showdown as ValuNation carefully selects the most delicious and sought-after treats to satisfy the cravings of candy enthusiasts. In this exciting episode, ValuNation explores various delectable candy bars, evaluating their taste, texture, and overall yum factor. With each pick, the tension builds as ValuNation must strategically assemble the perfect line-up for both teams. Who will secure the winning roster and earn the title of the ultimate candy bar champion?🍫 Don't forget to subscribe to our channel for more mouthwatering content, and hit the notification bell to never miss an episode of ValuNation.
In this episode, we had the privilege of sitting down with an extraordinary guest, Alexandra Kassenbrock, an Inside Account Manager at NPAS! Join us as we dive deep into Alexandra's fascinating journey, starting from her very first job at the tender age of 13! Alexandra's story is all about following in her mom's footsteps and carving her own path. We uncover the challenges she faced, the lessons she learned, and the pivotal moments that shaped her professional growth. But that's not all—did you know Alexandra also has a side hustle as a designer bag connoisseur? We'll delve into her passion for fashion and entrepreneurship and how she balances it all! Trust us, this episode is an absolute goldmine of inspiration, motivation, and valuable insights for anyone who's striving to make their mark in the world. Whether you're a young professional, an aspiring entrepreneur, or simply hungry for a great story, this episode has got you covered.
We are excited to kick off season two with @nationwideamc Chief Innovations Officer Mike Kirk, who has a wealth of experience and knowledge about the future of appraisals. Mike Kirk is one of those people who is always five steps ahead, which makes him the perfect person to talk about innovation. You can watch his episode LIVE tomorrow on YouTube or where ever you stream podcasts.
Get ready for a special interview for episode 10! ValuNation Podcast is joined by Super Heroes to Kids in Ohio Founder and Union Home Mortgage Corp Senior Mortgage Loan Office, Jimmy Myers! In this episode, we'll be discussing his charity work, superheroes, celebrities, and more. You don't want to miss this episode!
We've got a great interview for you all! Bank of England Alabama Branch Manager Bryant MacKellar joins us to discuss the boom in Airbnb, where he sees the industry going, and why he prefers an AMC as a lender. Bryant is an impressive guy. You don't want to miss this one!
Join us tomorrow for an all-new episode of ValuNation Podcast presented by Nationwide Property & Appraisal Services. We'll be talking sports, trade shows, and we've got all your favorite segments! Plus, Charlie will be dropping some exciting news that you won't want to miss!
Starting 2023 with an AMAZING interview with the Taco Queen herself, Delila Ramos. Enjoy a taco while you join us for this riveting talk about Dalila's background, the changes she sees in the industry, and how women are taking over!
Want to understand the benefits of an AMC? Join hosts Charlie Johnson and Michael Schwartz as they give some more insight into what we do at an appraisal management company. We've also got some fantastic new segments on the show. You don't want to miss this!
This episode has quite the range. Hosts Charlie Johnson and Michael Schwartz are talking Browns, Chiefs, Christmas trees, and a slumping housing market.
Join us for a special interview with Nationwide Property & Appraisal Service's Chief Revenue Officer, Mike Moore. Tune in to hear about Mike's experience in and out of the appraisal industry, some current events, laughs, and more!
We hope you enjoyed part 1 of preparing your home for an appraisal. It's now time for the much-anticipated part 2! Join us to finish everything you need to know before your house is appraised. You can find us on YouTube or wherever you stream your podcasts!
Join us for the second episode of ValuNation, presented by Nationwide Property & Appraisal Services. Hosts Charlie Johnson and Michael Schwartz discuss preparing your house for an appraisal in this two-part segment. Tune in next time for part two!
Introducing ValuNation, presented by Nationwide Property and Appraisal Services. Get the inside scoop on all things appraisals by joining hosts Charlie Johnson and Michael Schwartz every other week as they dive into the industry’s intricacies and have some laughs while doing it.
Introducing ValuNation, presented by Nationwide Property and Appraisal Services. Get the inside scoop on all things appraisals by joining host Charlie Johnson and Michael Schwartz every other week as they delve into the industry’s intricacies.