CWB Optimum Mortgage

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Answers to your appraisal questions in one convenient location.

Contractor
  • Guidelines for appraisers—residential and commercial
  • Application to be on our approved list

Select your community:

 Courtenay/Comox  Fraser Valley Nanaimo  Prince George Vernon 
 Central Okanagan (Kelowna)   Kamloops North Okanagan  Salmon Arm Victoria
 Cowichan Valley  Langley  Penticton  Vancouver & Lower Mainland  

 

Courtenay/Comox

Company

Email

Phone

Carlton, Ray & Associates

[email protected] 800.881.4414
Kutyn Property Services [email protected] 250.890.3320
Jackson & Associates d[email protected] 250.338.7323
Pacific Rim Appraisals [email protected] 866.612.2600

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Central Okanagan (Kelowna)

 Company

Email

Phone

A-1 Appraisals Ltd. [email protected]

250.861.8440

All Equity Appraisals Ltd.  [email protected]  250.717.7509
Appraisal West [email protected] 250.861.3101
Area Wide Appraisals Ltd.  [email protected]  250.868.2532
Kelowna Appraisals Ltd  [email protected] 250.878.0243
Markle Appraisals Ltd.  [email protected]  250.860.7785
North Country Appraisals Ltd. [email protected] 250.868.4996
Okanagan Appraisals
office@okanaganappraisals.com
250.763.0346

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Cowichan Valley

 Company

Email

Phone

Beswick Appraisals [email protected]  250.656.5990
Pacific Rim Appraisals
[email protected]
866.612.2600

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Fraser Valley

 Company

Email

Phone

ARC Appraisals [email protected] 604.853.4887
Campbell & Pound (1939) Ltd. [email protected] 604.270.8885
Lawrenson Walker Realty Advisors Ltd. [email protected] 604.535.1494
Leemore & Associates Real Estate Appraisers & Consultants Ltd.
[email protected]
604.944.7005
North Country Appraisals Ltd. [email protected] 604.746.2131
Penny and Keenleyside [email protected] 
604.525.3441
Saran Appraisals and Consulting [email protected] 604.309.9951

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Kamloops

Company

Email

Phone

Flynn Mirtle Moran [email protected]  250.374.7731
Frilan Appraisals LLP  [email protected]  250.374.9941
Thompson Rivers Appraisals  [email protected]  250.372.2599

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Langley

Company

Email

Phone

Hooker Craig Lum Garnett Real Estate [email protected] 778.571.3031
Penny & Keenleyside Appraisals Ltd. e[email protected] 604525.3441
Saran Appraisals and Consulting
[email protected] 604.309.9951

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Nanaimo

Company 

Email

Phone

Cunningham & Rivard Appraisals Ltd.  [email protected]  250.753.3428
Isle West Appraisals Ltd.  [email protected]  250.756.1779
Pacific Rim Appraisals [email protected]
866.612.2600
Palmer Appraisals [email protected] 250.388.9102
Vancouver Island Appraisals (1991) Ltd.  [email protected]  250.753.4022

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North Okanagan

Company 

Email

Phone

Appraisal West b[email protected] 250.861.3101
Corrie Appraisals Ltd.  [email protected]  250.832.3709
Rivard & Associates  [email protected]  250.545.3278
Schoenne & Associates  [email protected]  250.492.5151

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Penticton

 Company

Email

Phone

Kelowna Appraisals [email protected] 250.878.0243
Schoenne Appraisal Ltd  [email protected] 250.492.5151

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Prince George

Company

Email

Phone

C. H. Godfrey Appraisals  [email protected]  250.563.1208
Finden Appraisals [email protected] 250.960.1133

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Salmon Arm

 Company

Email

Phone

Appraisal West Real Estate Corp.  [email protected]
250.861.3101
Corrie Appraisals Ltd  [email protected]  250.832.3709 
Thompson Rivers Appraisals [email protected] 250.372.2599

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Vancouver & Lower Mainland

Company 

Email

Phone

Aedis Appraisals  [email protected] 604.682.7585
ARC Appraisals  [email protected] 604.853.4887
Burgess Cawley Sullivan & Associates [email protected]  604.689.1233
Cunningham & Rivard Appraisals  [email protected]  604.985.8761
F. Lee Wong & Associates Ltd.  [email protected]  604.873.8933
Hooker Craig Lum Group
[email protected] 778.571.3033
Hossack Newby Graham & Smith  [email protected]
604.738.0109
Johnston Ross & Cheng Ltd.  [email protected]  604.270.7717
Lawrenson Walker Realty Advisors Ltd.  [email protected]  604.535.1494
Leemore & Associates Real Estate Appraisers & Consultants Ltd. [email protected]  604.944.7005
MacIntosh Appraisals Ltd. [email protected]
604.522.3900
Niemi Laporte & Dowle Appraisals Ltd. [email protected] 
604.438.1628
Penny & Keenleyside Appraisals Ltd.  [email protected]  604.525.3441
Saran Appraisals and Consulting [email protected] 604.309.9951

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Vernon

Company

Email

Phone

A1 Appraisals Ltd. [email protected] 
250.861.8440
Appraisal West [email protected]
250.861.3101
Rivard & Associates [email protected] 250.545.3278
Thompson Rivers Appraisals [email protected] 250.372.2599

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Victoria 

Company

Email

Phone

Baker & Osland Appraisals Ltd. [email protected] 250.475.2221
Coast Appraisals  [email protected]  250.388.9151
Cunningham & Rivard Appraisals Ltd. [email protected]  250.753.3428
D. R. Coell & Associates  [email protected]  250.388.6242
Mills Appraisals Group Ltd. [email protected]  250.727.0222
Lawrenson Walker Realty Advisors Ltd. [email protected] 604.535.1494
Pacific Rim Appraisals Ltd. [email protected]  250.754.3710
Thibault & Company  [email protected]  250.361.2029

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  • The appraisal must be completed by an accredited appraiser (CRA or AACI) that has been accepted by Optimum Mortgage and placed on our Approved List of Appraisers.
  • Appraisals are to be addressed to Canadian Western Trust or Optimum Mortgage. Current appraisals from approved appraisers addressed to parties other than Canadian Western Trust or Optimum Mortgage, may be accepted provided a Letter of Transmittal from the appraiser is obtained.
  • The appraisal must clearly indicate that Optimum Mortgage is permitted to use the subject appraisal for mortgage financing purposes.
  • Appraisals are to include specific comments on any unusual or detracting property features, property conditions including general upkeep, and any detracting neighbourhood features.
  • Full appraisal analysis is to be performed with particular attention to the property's geographic location, remaining economic life, property condition, and the location of the comparables used in the Direct Comparison Approach section.
  • In all cases, payment of appraisal fees will be the sole responsibility of the mortgage broker and the borrower, unless otherwise stated by Optimum Mortgage in writing.
  • Appraisals must be original or email/.pdf; no facsimile copies will be accepted.
  • Appraisals must be submitted on standard Appraisal Institute forms and the following items must be attached to, or included in, the report:
            • Three colour photographs of the exterior of the property (front, rear and street scene). Photographs of every room including the basement, plus pictures of any unusual/noteworthy/derogatory conditions noted on site.
        • Comparable sale photos (clear and legible copies from a MLS Board may be considered acceptable). Comparable sales used must be no older than 90 days from appraisal report date unless accompanied  by complete explanation. Adjustments on comparable sales must be no more than 25% for gross and 15% for net unless accompanied by adequate explanation.
        • Location map, showing the location of the property and the comparables used.
        • A 12-month listing history of the property showing all listings, sales and expired listings.
        • Please note the following:

        • Reports to be based on an as is value, all as complete values will not be accepted. 
        • For acreage properties, value to be based on maximum 5 acres and no outbuildings.
        • Please answer the following questions in each report:

            • Who let you into the property?
            • If it was the owner, were they aware that a transaction (refinance or sale) is pending on their property?

    Only available in Ontario.

  • The appraisal must be completed by an accredited appraiser (AACI) that has been accepted by Optimum Mortgage and placed on our approved list of commercial appraisers.
  • Appraisals are to be addressed to Canadian Western Trust or Optimum Mortgage. Current appraisals from approved appraisers addressed to parties other than Canadian Western Trust or Optimum Mortgage, may be accepted provided a Letter of Transmittal from the appraiser is obtained.
  • A full narrative commercial appraisal is required. The transmittal letter must state that the appraisal is suitable for use by Optimum Mortgage for financing purposes. Appraisals are to include a market valuation on an as is basis including income approach, direct comparison and cost basis methods. Specific reference is to be made to any extraordinary conditions, such as environmental factors, particularly is the final estimate of value is contingent on such conditions. A physical inspection and interior photographs are required.
  • In all cases, payment of appraisal fees will be the sole responsibility of the mortgage broker and the borrower, unless otherwise stated by Optimum Mortgage in writing.
  • Appraisals must be original or email/.pdf; no facsimile copies will be accepted.

 

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