Innovative Solutions. Credible Results.

Client Frequently Asked Questions

What is LASS-O?

A real appraisal at the right price with credible results. LASS-O is a fast, affordable appraisal alternative to a BPO and other alternative valuations at a similar price point. It can be used for HELOCs, portfolio valuations and loan acquisition due diligence as well as non-GSE valuations, whenever an appraisal is needed.

LASS-O provides you with a Lincoln Appraisal & Settlement Services’ Appraiser Valuation Opinion Report (AVO®) bundled with an AVM at no additional charge.

The LASS-O product enables an appraiser to provide a USPAP-compliant Appraiser Opinion of Value report for you in a timely manner at a competitive price-point. Financial institutions can decrease costs and reduce risk while seeing an increased reliability in their property valuations.

Why LASS-O rather than a BPO?

Because it's a Restricted Appraisal Report, in a format designed to be USPAP compliant, LASS-O reduces the risk of non-compliance with bank regulators and state regulations which restrict the use of BPO's and alternative valuation products.

An Appraiser-Driven report, LASS-O was created by Lincoln Appraisal & Settlement Services to meet a need in the market for an appraiser's opinion of value at a competitive price-point. Lincoln Appraisal & Settlement Services is a company of proven real estate professionals who have years of appraisal experience and an established history of providing valuation products which consistently meet or exceed our client's requirements.

How is LASS-O completed?

LASS-O is already part of your appraisal software!  The LASS-O is included in the Wintotal and ACI appraisal software packages. This allows you to prepare and complete the report in software you use every day.

The process is easy! The LASS-O order will be assigned to you; a local appraiser with the geographic competency to provide credible results. Upon acceptance of the order, you perform an appraisal in accordance with USPAP (and any specific requirements of your home state). No GSE, UCDP or UAD requirements are needed! A real appraisal!

An exterior-only or full inspection is made of the subject property and all appropriate interior, exterior and street view photos are taken. Photos of any external influences should also be taken.

  • You determine, in accordance with USPAP, if original comparable photos are needed to provide credible results.
  • You determine, if additional research at is required at any municipal offices to provide credible results.
  • You determine if you can provide credible results from your office using MLS photos and on-line research and data sources.

Once completed and run through your software rules check, simply upload the LASS-O to our website as you would with any order! Depending on the client needs, an AVM is delivered to the client with the LASS-O (a disclaimer is embedded in each report that neither the appraiser nor Lincoln Appraisal is responsible for the AVM results and is included only at client’s specific request for additional information about the subject property and market data). For more information, please email our offices at

Financial institutions have been asking for it.

We delivered.