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Appraiser licensing varies from state to state. To participate in what is called a "federally-related transaction," which is, for example, a mortgage being underwritten by a national bank, an appraiser must be licensed or certified by his or her state. The license or certification is evidence that the appraiser has performed a certain number of hours as a trainee under the supervision of a practicing appraiser, passed an examination, and completed a certain number of hours of Continuing Education.
Prior to the Savings and Loan crisis of the 80s, which gave rise to appraiser licensing, appraisers had to market their expertise, service, professionalism and association designations. Many feel that state licensing has diluted the appraisal profession. Many consider licensure a bare minimum of what you should expect from an appraiser.

We, at S.M. Davidson & Associates, have worked hard to establish a reputation for quality and prompt work, performed professionally and ethically, with outstanding customer service. You should never just look for a licensed appraiser; you should be discriminating in choosing your service providers.  Tour our website for valuable information on the experience we have and the service we provide.

You should always be sure your appraisal service provider is licensed and in good standing. The Appraisal Subcommittee (ASC) of the Federal Financial Institutions Examination Council (FFIEC) maintains a national database of appraisers and their license/certification status.

Among other things, this database, which relies on reports from each state appraisal board, will tell you if a service provider you are considering has had his or her license suspended, revoked, or whether the license has lapsed. You can rest assured that our Certified General (AG) license is current and in good standing!


The state of California's licensing board -- the Bureau of Real Estate Appraisers (BREA) -- offers four license levels.  They include the following:



  • AT - Trainee License -- Any property which the supervising appraiser is permitted to appraise.
  • AL - Residential License -- Any non-complex 1-4 family property with a transaction value up to $1 million; and non-residential property with a transaction value up to $250,000.
  • AR - Certified Residential License -- An 1-4 family property without regard to transaction value or complexity; and non-residential property with a transaction value up to $250,000.
  • AG - Certified General License -- All real estate without regard to transaction value or complexity.

When looking for a highly qualified appraiser, look no further than S.M. Davidson & Associates.  All of our senior staff members have received their Certified General License (AG) from the state of California's Bureau of Real Estate Appraisers (BREA).