Request Appraisal | Fortier Mattila Appraisals

Residential Mortgages (Credit Union)

For use by Saskatchewan Credit Union Lenders and Members for residential mortgage appraisal requests ONLY.
Online requests are dispatched automatically to our scheduling system and receive priority over phone or email inquiries.

Note: If you are obtaining financing through a Major Bank, Mortgage Broker, or Private Lender, please select the appropriate tab from the Request Appraisal menu above. Do NOT use this form.

Please review our parameters before proceeding:

Service Area: Northwest Saskatchewan. We do NOT complete appraisals in Lloydminster, Warman, Martensville, Saskatoon, or Prince Albert. (If your area is not listed in the form below, select the nearest location and we will investigate).
Accredited Scope: We are AACI and CRA accredited for Residential, Agricultural, Commercial, and Multi-Family properties.
Exclusions: We appraise land and buildings only. We do NOT appraise “Going Concern” businesses, equipment, hotels, gas stations, convenience stores, or operating restaurants.

Fee Estimator & Quotes (No Charge)

There is no cost to submit this request. We will not proceed until you authorize the final fee and inspection date.

Standard Base Fees: Apply to existing, site-built single-family detached homes under 2,000 sq.ft., on standard lots, in habitable condition, with an estimated value under $500,000.
Custom Quotes Required: New construction, acreages (over 15 acres), outbuildings, renovations, executive properties (over $500k), and commercial/multi-family files are complex and require a custom quote.
Payment: Unless guaranteed by the Credit Union, payment in full is required the day of inspection. Interac e-Transfer is preferred (office@fmappraisals.com). Credit card payments incur a 2.4% surcharge.

Does this property meet the Standard Base Fee SFD Appraisal Parameters? - see above

Property Location & Starting SFD Base Fee (including mileage but excluding GST)

Additional Services (including acreage, outbuildings etc.)

Credit Union Name

Purpose of report (Why are you requesting the appraisal?)

Address to be Appraised (Civic Address or Legal Description)

Sale Price or Value Estimate - if known

Your Name (required)

Your Email (required)

Your Telephone (required)

Applicant/Member Name:

Invoice to: (This is who will pay Fortier Mattila Appraisals)

Please send digital copies of appraisal to:

Property Details & Instructions (Crucial for Accuracy): Are we valuing all acres or just a homesite (up to 15 acres)? Are outbuildings to be valued? List Realtor name, MLS#, or lockbox. Is this a rush request? (Ie. 24-48 hours from form submissions)

Please type the code below

Review Full Terms of Engagement

A. LENDER & OWNERSHIP POLICIES

Authorized Client Control: Per CUSPAP, the individual or organization who orders the professional service is the Authorized Client and sole owner of the report, regardless of who paid the fee. For Saskatchewan Credit Unions, this means if the Credit Union orders the report, they maintain absolute control over its use and distribution.
Confidentiality & Distribution: Appraisals are confidential documents intended for the lender’s internal underwriting and risk management, similar to an internal credit check. The appraiser is strictly prohibited from providing copies to third parties—including mortgage applicants or homeowners—without express written consent from the Authorized Client.
Reliance Requirements for External Lenders: For ANY lender to rely on one of our appraisals, the following must be met:
- A) Client Release: A written Release from the original Authorized Client.
- B) Technical Compliance: The original report must align with the new lender's specific underwriting requirements (e.g., comparable sale dates, adjustment caps, recognized acreage, outbuilding exclusions).
- C) Appraiser Authorization: The appraiser must agree to provide a signed Reliance Letter. Authorization is provided at our sole discretion. We do not provide reliance for private lenders, mortgage investment corporations, or lenders outside the Big 5 Banks, CMHC, and Sagen. If revisions are required to meet new requirements, a new inspection is mandatory.
Successive Representation: To maintain professional independence, per CUSPAP, an appraiser cannot accept or complete a second assignment on the same property for a different client while a previous recent report remains outstanding for its initial intended use.
Major Lender Requirements: Reports for Saskatchewan Credit Unions are typically NOT valid for financing with RBC, TD, BMO, BNS, CIBC, CMHC, or Sagen, as these entities require direct ordering through their own proprietary portals.
Rigid Underwriting Rules: Major lenders often enforce strict rules, including minimum comparable counts, sales dates within 6 months, and rigid caps on adjustments (typically 15–25%).

B. TECHNICAL LIMITATIONS & SCOPE

Inspection Scope: The appraisal is a "non-invasive visual observation" only and does not constitute a home inspection, structural assessment, or geo-technical evaluation.
Structural Disclosure: Any known structural issues must be disclosed at the time of request. Observed foundation cracks, floor deflection, sagging components, or non-habitable status result in an Extraordinary Assumption for a market-based cost-to-cure. Per CUSPAP, if an interior inspection is not possible, the value must be expressed as a range.
Expertise Disclaimer: Appraisers are not structural engineers or environmental specialists. Verification of structural integrity, contamination, or mould requires a third-party expert report.
Seasonal Conditions: Items obscured by snow (roofing/landscaping) are assumed to be in average condition unless otherwise observed.
Privacy: Interior photos are used strictly for valuation/audit purposes and require a signed Photo Consent Form per PIPEDA and CUSPAP.

C. FEES & PAYMENT POLICIES

Estimates: Fees listed are ESTIMATES for "Standard Residential Properties" only. Complex properties (Acreages >15 acres, Executive Homes, Major Renovations, Commercial/Farm use) require a custom quote.
Exclusions: Standard reports include the home, one garage, and up to 15 acres. Unless agreed upon prior to inspection, the appraisal excludes outbuildings, grain storage, and land in excess of 15 acres.
Additional Charges: Apply for "As Is"/"As Proposed" valuations, market rent studies, retrospective valuations, or administrative transfers.
Payment Timing: Due in full on inspection day unless guaranteed by the Saskatchewan Credit Union.
Cheque Policy: Cheques are subject to a 10-business-day clearing period; work will not commence until funds clear.
Credit Card Surcharge: A 2.4% surcharge applies, representing a partial recovery of the 2.9% to 3.65% company processing costs. Physical debit cards are not accepted.
Cancellation: 25% fee if cancelled prior to inspection; 100% fee if cancelled after the inspection has occurred.

I/We acknowledge the terms of engagement (click above to review).

After clicking submit please wait until a sent confirmation appears. A copy of this request form will also be sent to the email address provided - if it does not appear in your inbox move it from your junk/spam folder. Thanks and we look forward to doing business with you