How to Look Up a Real Estate Appraiser's Licensing (By State)

Having your real estate appraised is necessary to estimate the value of your home or property—but if you're not careful, you may get stuck with a fraudulent appraiser.


Nicolle Monico
Updated 2 February 2022
How to Look Up a Real Estate Appraiser's Licensing (By State)

United States Scam & Fraud Statistics 2020


$3.3 billion total fraud losses
4.7 million fraud reports

1.4 million reports of identity theft

Source: 2019-20 Consumer Sentinel Report

Sections on this page
  1. How to Verify a Real Estate Appraiser
  2. Real Estate Appraiser License Search by State
  3. What is Real Estate Appraisal Fraud?
  4. Questions to Consider Following a Home Appraisal
  5. What To Do If Your Home Was Appraised Incorrectly
  6. Frequently Asked Questions

Before buying or selling a house, a home appraisal is necessary for banks to approve a loan and ensure that the amount matches the appraised value. However, if you’re not careful, you can end up being scammed by real estate appraisers who intentionally misrepresent the value of your home or other piece of real estate.

Here’s how to verify an appraiser's license and ensure that you're working with a legitimate real estate professional.

How to Verify a Real Estate Appraiser

Typically, to find an appraiser by state, you’ll do so via your state’s agency that is responsible for overseeing appraisers. Here you’ll find basic information about the requested appraiser’s license and qualifications as well as any restricted, suspended, surrendered, or revoked renewals on their record.

However, if you need written verification of the license information due to a lawsuit or other formal proceedings, you’ll need to request this information through the agency. These documents can be obtained by submitting the required form and fee to the agency.

Real Estate Appraiser License Search by State

State State Appraisal Regulatory Agencies
Alabama Alabama Real Estate Appraisers
Alaska Alaska Board of Certified Real Estate Appraisers
Arizona Arizona Board of Appraisal
Arkansas Arkansas Appraiser Licensing & Certification Board
California CA Bureau of Real Estate Appraisers
Colorado Colorado Board of Real Estate Appraisers
Connecticut Connecticut Real Estate Appraisal Commission
District of Columbia DC Board of Appraisers
Delaware Division of Professional Regulation
Florida Florida Real Estate Appraisal Board
Georgia Georgia Real Estate Appraiser Board
Hawaii PVL, Department of Commerce & Consumer Affairs
Idaho Idaho Certified Real Estate Appraiser Board
Illinois Illinois Department of Financial and Professional Regulation
Indiana Indiana Real Estate Appraiser Certification Board
Iowa Iowa Real Estate Appraisal Board
Kansas Kansas Real Estate Appraisal Board
Kentucky Kentucky Real Estate Appraisers Board
Louisiana Louisiana Real Estate Appraisers Board
Maine Maine Board of Real Estate Appraisers
Maryland Maryland State Commission of Real Estate Appraisers
Massachusetts Massachusetts Board of Registration of Real Estate Appraisers
Michigan Michigan Real Estate Appraisers Board
Minnesota Minnesota Department of Commerce Licensing Dept.
Mississippi Mississippi Appraisal Board
Missouri Missouri State Real Estate Appraisers Commission
Montana Montana Board of Real Estate Appraisers
Nebraska Nebraska Real Property Appraiser Board
Nevada Nevada Real Estate Division
New Hampshire New Hampshire Real Estate Appraiser Board
New Jersey New Jersey Division of Consumer Affairs
New Mexico New Mexico Regulation & Licensing Department
New York New York State Board of Real Estate Appraisal
North Carolina North Carolina Real Estate Appraisal Board
North Dakota North Dakota Real Estate Appraisal Qualification And Ethics Board
Ohio Ohio Real Estate Appraiser Board
Oklahoma Oklahoma Real Estate Appraiser Board
Oregon Oregon Appraiser Certification & Licensure Board
Pennsylvania Pennsylvania Licensing System (PALS)
Rhode Island Rhode Island Real Estate Appraisers Board
South Carolina South Carolina Appraiser Board
South Dakota South Dakota Appraiser Advisory Board
Tennessee Tennessee Real Estate Appraiser Commission
Texas Texas Appraiser Licensing and Certification Board
Utah Utah Department of Commerce Division of Real Estate
Vermont Vermont Real Estate Appraisal Board
Virginia Virginia Real Estate Appraiser Board
Washington Washington State Department of Licensing
West Virginia West Virginia Real Estate Appraiser Licensing and Certification Board
Wisconsin State of Wisconsin Dept. of Safety and Professional Services
Wyoming Wyoming Real Estate Appraiser Certification Board

What is Real Estate Appraisal Fraud?

The real estate industry is no stranger to fraud, and appraisal scams are unfortunately all too common. Appraisal and property fraud account for more than 1 in 10 mortgage fraud cases.

There are a couple of ways in which scammers can target homeowners or buyers including:

  • Fake Appraisals: This occurs when a group of scammers pretend to be legitimate real estate professionals and then inflate up a property’s selling price for a quick profit.
  • Inflated Appraisals: When this happens, phony appraisers hike up a home's value, leaving buyers owning a home worth less than they thought. 

Thankfully though, if you know what to look out for, you can avoid getting scammed by fake or fraudulent appraisers.

Questions to Consider Following a Home Appraisal

To avoid running into issues with your loan or end up owing more than the house is worth, ask yourself the following questions during the appraisal process. The answer to these may be red flags of appraisal fraud.

  1. Given what you know about the neighborhood, does the stated home value seem reasonable? It’s important to know the local and current market when dealing with an appraiser. Keep in mind that the real estate market is constantly changing, so if you’re selling your home, it may not be worth as much as it was a few years ago. But if the amount seems extremely low or overly inflated, this could be a red flag.
  2. Which homes is the appraiser citing when comparing home sales? Are they focusing on nearby houses? If your appraiser is comparing homes that are more than six miles away, ask them why since this is often a red flag. Typically, you want to compare homes within the same school district.
  3. Does the appraisers' house description match what you know of the home? Does the home have five bedrooms, but it only has five? Or maybe they’re misrepresenting the square footage that you estimated or already know about the home. If their information is wrong, even a little bit, ask them to correct it. Appraisers who refuse to update incorrect information may be trying to scam you.
  4. Can you get a copy of the appraisal? If asked, lenders are required to provide homeowners with a copy of the appraisal. Lenders refusing to show you the paperwork may be a red flag.

What To Do If Your Home Was Appraised Incorrectly

If you feel your new or existing home was appraised incorrectly, you’ll want to do a few things to correct the discrepancy. In some cases it may have been genuine human error, but if something feels off about the appraiser, the appraised amount, or your lender, you'll want to take further action.

Verify the Appraisal Amount

First, make sure that you’re confident of the incorrect appraisal. In some instances, changes in the market may have affected your home’s value. When possible, look for a qualified appraiser to get a second opinion and see if their appraisal was similar or far off from the original quote.

If it was off by a lot, it was likely fraudulent. You’ll need to call your lender and let them know about the incident.

Report It to Authorities

It’s always a good idea to report the phony appraisal for your own records and to potentially save others from falling for a fraudulent appraiser. Below are local and federal agencies that you may contact to report mortgage fraud:

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Frequently Asked Questions

What is a real estate appraiser?

Real estate appraisers assess the market value of residential and commercial properties. They work with both buyers and sellers, real estate agents, investors, and banks to find the fair value of the property in order to sell it at the correct price.

How much do real estate appraisers cost?

The price for a home appraisal can vary depending on a number of factors including the value, size, and condition of the home, as well as the level of detail involved in the appraisal.

  • A typical, single-family home appraisal may range from $300 to $450
  • A large home, especially in a larger city, may range from $500 to $800

How can I look up the license of a real estate appraiser?

To search for a real estate appraiser's licensing information, you'll want to check out your state's agency responsible for overseeing appraisers. Each state has its own database in which you can find out the current state of their license, past history, and any disciplinary actions taken against them.

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