Calvin Moye Real Estate and CALMO Realty Services, Inc.
Calvin Moye Real Estate and CALMO Realty Services, Inc.
Calvin Moye Real Estate and CALMO Realty Services, Inc.

The 357 page guide, Dissection of a Residential Appraisal Report for properly reviewing/completing a single-family appaisal can be ordered by clicking on [Products] [Publications]

CALMO Appraisal System (CAS) containing Real Estate Appraisal Review Documents,  Engagement Documents, Evaluation Documents & Validation documents are now available.  [Click] to see more.


View Calvin Moye's Availability Calendar and Schedule

Consulting for Lenders and Regulatory Agencies


CALMO Realty Services, Inc. will provide on-site or off-site training for lending institutions, associations, regulatory agencies, corporations, financial planners and attorneys for the following topics:

  • Real Estate Appraisal Review
  • Real Estate Appraisal Principles
  • Federal Regulation of Real Estate Appraisal (FDIC, OCC, NCUA, FRS)
  • Income Property Appraisal Analysis
  • Uniform Standards of Professional Appraisal Practice (USPAP)
  • Real Estate Lending and Appraisal Policies

These sessions can be customized for each institution, in content, length and cost.

Internet Based Training & Courses

A course on real estate appraisal review from the lender's prospective is offered to lenders and other related professions.  The course attendee can download the course to their computer and complete the interactive course.  An Assessment is submitted to CALMO for grading before receipt of a completion certificate. Email support is offered with the course.

+ Click Here for Examples of Previous Engagements +
  1. In the year 2001, CALMO Realty Services, Inc. was awarded a contract by the Federal Reserve to develop a self-study class and a one-week classroom school for federal and state bank examiners with Mr. Moye as the presenter.  The school is held by the Federal Financial Institutions Examination Counsel (FFIEC) ( ) and focuses on the review of commercial real estate appraisals but also includes sections on Automated Valuation Models (AVM) and fraud.  The school is available to bank examiners from the regulatory agencies and held at the FDIC Seiman Center in Arlington, VA.   The class has been held multiple times each year after 2001 until the current date..   (Detailed Course description located at

  2. Mr. Moye has contracted with the Conference of State Bank Supervisors (CSBS)  to use his materials for a 5-week internet class for bank examiners.  The on-line course is offered to state and federal bank examiners.  Mr. Moye will also act as the instructor for the school. The class is a combined effort between CSBS and FFIEC. 

    Mr. Moye also contracts with the Conference of State Bank Supervisors (CSBS)  to conduct the onsite Real Estate Appraisal Review school for state bank examiners in various states, including CA and AL

    Mr. Moye also contracts directly with state banking regulatory agencies to conduct real estate appraisal schools for their state examiners.  These states include, but not limited to AR, NJ, CO, TX, KY and NC. 

  3. An institution provided several appraisal reports on income-producing properties to our firm.  We analyzed the appraisals and arranged a 1-day session with the institution’s lenders, audit and credit department staff.  One of the appraisals was reproduced for the class and reviewed via a checklist developed by us.  A PDF copy of the report was used on a projector as an instructional tool.  This type of training is practical and specific to the institution and its geographic area.

  4. A B-paper lender was experiencing problems with collateral as well as the selection of appraisers by brokers.  A 2-day class was arranged in three regions to expose the lender’s employees to the appraisal underwriting process.  A manual developed by Mr. Moye, Dissection of a Residential Appraisal Report, was used as a reference during the class.  The students were led through a realistic scenario starting from the time the appraisal was ordered by a broker to the disposition of the property after foreclosure.  Completive pressures on the appraiser and lender, undesirable field practices by brokers and appraisal fraud were included in the class.

At the client's request, Mr. Moye will do  on-site training of client-specified type for employees or contractors.