Chuck's Bio

Chuck is the owner of ChiefAppraiser.com and Collateralgrade® and is currently working as an independent valuation risk consultant servicing small regional banks, credit unions, and national lending and investment institutions. Chuck is also Executive Vice President and business development partner with Quality Valuation Services.  QVS consists of a seasoned mortgage and real estate industry executives skilled processors, and a nationwide panel of 6500 geographically specialized valuation professionals.  a national appraisal management company Chuck has more than 28 years of combined mortgage lending experience including appraisal management, institutional risk, loss mitigation, and whole loan exit and securitization strategies. During the past 17 years, Chuck held senior level positions as Director of Valuation Risk and Chief Appraiser for Net Bank, Resource Bancshares, Bfirst Residential, and Fleet Mortgage Company. Chuck also owned and operated Alden Appraisal Group, Inc. in Newport, Rhode Island specializing in commercial and litigation appraisals, and large estate homes including Belcourt Castle of Newport. Chuck is a general associate member of the Appraisal Institute and is a Certified General Appraiser in Rhode Island, Massachusetts, and Connecticut. He has been qualified as an expert witness for various zoning boards, US District and US Bankruptcy Courts and served as a Subject Matter Expert for the appraisal qualifications Board (AQB) participating in the development of the Certified General Appraiser exam for 2008. Chuck is featured in several industry publications regarding secondary market expectations, fraud, and how to leverage automated collateral technology.

 

Dawn's Bio

Dawn Mureddu has over 20 years in mortgage banking with a vast background in retail, wholesale, and correspondent lending in both the conforming and non conforming arenas.  Dawn started her banking career in 1985 with Old Stone Bank working in several capacities including underwriting, foreclosure and bankruptcy workout, quality control, and credit collections.  After 8 years working with Old Stone Bank, Dawn focused and specialized in underwriting of subprime loans and was instrumental in developing several startup companies including Bfirst residential in Warwick, RI and the subprime division of Resource Bancshares in Columbia, SC.  After moving to Portland, Oregon with her husband Chuck,  Dawn decided to work on a contractual basis providing due diligence support for several large investors for secondary purchase, front-line underwriting, and compliance.  Dawn's contract work gave her the unique opportunity to travel across the country and gain exposure within a national scope.   Dawn's approach is to provide a "make sense" strategy to compliment both production and operational needs while maintaining the highest possible loan quality.  Dawn believes in the old school approach to underwriting which is now more essential in today's volatile real estate market.   Dawn's reputation is her commitment to provide the highest level of ethical and professional standards in the industry.  

 mureddu, dawn mureddu, appraisal grade, appraisalgrade.com mureddu charles mureddu