AFS Appraisal Service provides thorough and supported appraisal reports in the Midlands of South Carolina including Kershaw, Richland, Lexington, Sumter, Orangeburg, Calhoun, and portions of Fairfield Counties. 

As an Experienced, Certified, and Insured Real Estate Appraiser, I have the education and qualifications to provide the type of reliable Real Estate values that banks and major lending institutions require for Real Estate loans.  My primary focus is on single family residential properties, residential lots, and acreage. 

In addition to reports prepared for federally related transactions, including Conventional, FHA and USDA loans, I prepare reports for division of assets, probate, foreclosures and REO properties, and general market analysis for the merely curious. 

I use reputable software and have access to databases and files that provide more than adequate information to prepare reasonable and reliable reports.  I have built a reputation for response to communications via email, office or mobile phone, fax and now this website.  My company has always placed a strong emphasis on research and market knowledge and I spend a great deal of time keeping up to date with market activities. 

AFS Appraisal Service does not take on more work than can reasonably be completed in the expected time frame.  Even with the new HVCC regulations and forms, the average turn around time for a report is 48 hours from the time of the appraiser's visit to the property.  Any less time and you are not receiving a fully researched and evaluated report.  Any longer and we make sure to communicate any unexpected issues.  

I look forward to working with you and providing excellent service for your company or for yourself as you evaluate your current market standing with regards to your real estate holdings.  

Sincerely,

Elaine F. Morgan, CR 4089

Certified Residential Appraiser

P O Box 838, Elgin, SC 29045

Office Phone: (803) 438-4229

Mobile Phone: (803) 319-8876

email: [email protected]

Fax: 1-866-856-7665