Terrible! Don’t use Ethos Lending. Waste of time. They use kairos appraisers who are a bunch of crooks. They have unprofessional, rude people working for them.
My appraiser was arrogant, unprofessional and incompetent.
I live in NJ and the real estate market in my town has been increasing for a few years now.
My appraisal came in 150,000-200,000 lower than the Comps in my area and what Zillow,
House values and real estate agents value my house at. Even my house value according to my taxes from 2 years ago is 100,000 more than what my house was appraised at.
The appraiser walked around my house making rude comments about my dog who was on a leash and told my 10 year old daughter to get off xbox and play outside.
Unfortunately I’m out $500, lost a loan and the only phone call I received from agora was a whiny sorry nothing else I can do.
Agora does not care about their potential customers and did not make this an easy process.
Wasted my time and my money.