John Templeton

Appraiser

John Templeton holds the Certified General (CG) appraiser credential. As a Certified General appraiser, John is permitted to appraise all types of commercial and residential properties.

John graduated from the University of Nebraska at Omaha with a major in accounting. He later completed additional course work and was awarded a Certificate in Real Estate & Land Use Economics. John also has earned the Certified Internal Auditor (CIA) designation.

John’s appraisal experience began in 1996 as a review appraiser for First Bank (now known as US Bank). As a review appraiser he managed the commercial appraisal and environmental review functions for affiliate branches in Iowa and Nebraska. His experience included appraisal reviews of a variety of commercial and agricultural properties.

Prior to beginning his appraisal career, John’s bank experience included management and supervisory positions in internal audit, consumer compliance review, financial reporting, budget and planning, loan operations, loan underwriting, deposit operations, customer service and bank/credit card operations. John retired from US Bank in 2006.

John joined Realcorp in 2011 and currently assists Tim Smulling in the Commercial Appraisal Division

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What is an appraisal?

A home purchase is the largest, single investment most people will ever make. Whether it’s a primary residence, a second vacation home or an investment, the purchase of real property is a complex financial transaction that requires multiple parties to pull it all off.

Most of the people involved are very familiar. The Realtor is the most common face of the transaction. The mortgage company provides the financial capital necessary to fund the transaction. The title company ensures that all aspects of the transaction are completed and that a clear title passes from the seller to the buyer.

So who makes sure the value of the property is in line with the amount being paid? There are too many people exposed in the real estate process to let such a transaction proceed without ensuring that the value of the property is commensurate with the amount being paid.

This is where the appraisal comes in. An appraisal is an unbiased estimate of what a buyer might expect to pay – or a seller receives – for a parcel of real estate, where both buyer and seller are informed parties. To be an informed party, most people turn to a licensed, certified, professional appraiser to provide them with the most accurate estimate of the true value of their property.

Although not required on every appraisal, the appraiser is usually asked to inspect the property.  They will observe such things as bedroom and bathroom locations and note the quality and condition of the property.  The inspection often includes a sketch of the property.

Once the property has been inspected, an appraiser uses up to three approaches to estimate the value of real property.