Woody Fincham, SRA and F&M Associates: Professional Service

We are experts in Charlottesville City and Central Virginia Residential Valuation.  Woody Fincham, SRA is still very active in the Hampton Roads markets as well. We know and undertsand the local market.  

Our Service Area:

Charlottesville City

Newport News, VA

Fluvanna County

Poquoson, VA

Greene County

Hampton, VA

Nelson County

York County, VA

Suffolk, VA

We do not service Albemarle County

As a SRA designated appraiser with the Appraisal Institute, I have the education and qualifications to provide the type of reliable home values that banks and major lending institutions require for home loans.  I also work with a wide variety of private individuals, attorneys, and even the state and federal governments  And with years of experience behind me, I’m prepared to handle a variety of property types.

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In addition to mortgage appraisals,
my services are also available for:

  • Removing PMI (Private Mortgage Insurance)
  • Setting a home’s sales price
  • Legal matters such as divorce settlements
  • Estate planning
  • Employee relocations
  • Litigation Testimony
  • Water Front Valuations
  • Land Appraisals

  • We use state of the art technology to research and prepare our reports.  Our goal is to provide honest, accurate, and timely valuation products. 


    Click the Logo below to link to our listing on Active Rain.

    Whether you need answers to simple questions or solutions to complex valuation concerns, we are happy to help. 

    Thank You for taking time to visit F & M Associates Appraisal Services.  If you have any questions, don’t hesitate to contact me.

    Today's Rates:

    Mtg Loan    Rate  APR
    30-yr Fixed4.27%4.41%
    15-yr Fixed3.33%3.51%
    1-yr Adj2.44%3.03%
    * national averages

    Connect With Me:

    Lawmakers sustain McAuliffe's vetoes
    4/23/2014 8:34 PM
    RICHMOND — Returning to Richmond for their annual reconvened session, Virginia lawmakers on Wednesday did not override Gov. Terry McAuliffe's vetoes of legislation passed during the regular General A...Read More
    Historical society to host exhibit on notable Virginians
    4/23/2014 7:28 PM
    The Albemarle Charlottesville Historical Society will host the Dominion traveling exhibit “Strong Men and Women in Virginia History” from Monday to June 7...Read More
    UVa marching band to play in 2015 Macy's parade
    4/23/2014 7:08 PM
    After a decade of providing the halftime entertainment for home football and soccer games, the University of Virginia’s Cavalier Marching Band will take a bigger stage next year: the Macy’s Thanksgiv...Read More
    UVa board approves tuition increase
    4/23/2014 3:15 PM
    ABINGDON — University of Virginia students this fall will face another cost increase to attend the school...Read More
    Virginia forestry department puts entire state under fire weather watch
    4/23/2014 3:06 PM
    The Virginia Department of Forestry has issued a fire weather watch for the entire state...Read More
    Dogwood parade to affect CAT routes
    4/23/2014 3:01 PM
    Saturday’s Dogwood Festival Parade will draw countless spectators into downtown and force the region’s bus system to adjust for street closures and pedestrian traffic...Read More
    D-Day memorial leader to be rendered in bronze
    4/23/2014 10:45 AM
    Bob Slaughter was an infantry squad leader at the ripe old age of 19 when he ran across the sand of Omaha Beach dodging bullets, artillery shells and death on June 6, 1944...Read More
    Romney donates $10,000 to McDonnell's legal defense
    4/23/2014 10:15 AM
    Mitt Romney, the 2012 Republican presidential nominee, has donated $10,000 to former Gov. Bob McDonnell’s legal defense fund...Read More
    Fluvanna sheriff tapped for new advisory role to ABC
    4/22/2014 8:23 PM
    Gov. Terry McAuliffe today named Fluvanna County Sheriff Ryant Washington a special policy advisor on law enforcement to the state Department of Alcoholic Beverage Control...Read More
    Orange man sentenced for Medicaid fraud
    4/22/2014 6:15 PM
    An Orange County man has been sentenced to serve three years in prison for charges that include Medicaid fraud...Read More

    2nd McIntire Skate Park Design Workshop to be Held May 13
    4/24/2014 10:44 AM
    Charlottesville Parks & Recreation and Albemarle Parks & Recreation will hold a second design visioning workshop to gather information from the community in planning the future design of the McIntire Skate Park...Read More
    Farmers Markets Are On the Rise in Central VA
    4/24/2014 4:42 AM
    More people are buying products close to home, and it's making a big economic impact...Read More
    Planners, Public Meet on Belmont Bridge Design Options
    4/23/2014 10:08 PM
    The future of the Belmont Bridge was in the spotlight Wednesday as planners and the public sat down to try to hash out the details...Read More
    UVA Marching Band to Perform in 2015 Macy's Thanksgiving Day Parade
    4/23/2014 9:06 PM
    The University of Virginia Cavalier Marching Band has been selected to perform in the 2015 Macy's Thanksgiving Day Parade...Read More
    UVA Professors Receive Grants to Research Minority Youth Development
    4/23/2014 8:06 PM
    UVA professors Joanna Williams and Noelle Hurd will both be receiving the William T. Grant Foundation award of $350,000 to continue their research in minority youth development...Read More
    PHA Project Connects Cville Students to Civil Rights Era
    4/23/2014 5:22 PM
    Eighth-grade students from STAB interviewed seniors at JABA's Mary Williams Community Center to record their stories from the civil rights era...Read More
    Animal Rights Group Protests Circus Coming to JPJ
    4/23/2014 4:47 PM
    A Charlottesville animal rights group is not happy about the Ringling Bros. Circus coming to the John Paul Jones Arena...Read More
    UVA BOV Approves Tuition Increase for 2014-15
    4/23/2014 4:41 PM
    The University of Virginia Board of Visitors on Wednesday approved undergraduate tuition rates for the 2014-15 academic year...Read More
    Cville Second-Graders Plant Trees in Preparation for Arbor Day
    4/23/2014 3:48 PM
    Some Charlottesville students got some hands-on education about nature Wednesday, right in their school's backyard...Read More
    Charlottesville Makes Cars.com "Greenest Car Shoppers" List
    4/23/2014 3:17 PM
    Charlottesville car shoppers are some of the most environmentally motivated in the nation according to a Cars.com list...Read More

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