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

Albemarle County, VA

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 Fixed4.13%4.27%
    15-yr Fixed3.26%3.43%
    1-yr Adj2.39%2.97%
    * national averages

    Connect With Me:

    Homewood Suites opens in Charlottesville
    7/28/2014 3:45 PM
    The four-story, 150-room Homewood Suites by Hilton opened in Charlottesville on Monday...Read More
    Pipeline proposals raise questions about safety
    7/28/2014 3:19 PM
    LYNCHBURG — Within the steady drumbeat of local opposition to a proposed natural gas pipeline that would run through Nelson County, residents have raised many questions publicly, including issues of ...Read More
    Charlottesville man dies after fall from bicycle
    7/28/2014 1:23 PM
    A Charlottesville man died Saturday after falling from his bicycle at Walnut Creek Park in Albemarle County...Read More
    Appeals court panel strikes down Va. same-sex marriage ban
    7/28/2014 12:36 PM
    RICHMOND — A federal appeals court panel today struck down Virginia’s ban on same-sex marriage...Read More
    Historic trial of McDonnell gets underway Monday
    7/27/2014 5:50 PM
    RICHMOND — The first corruption trial of a governor in Virginia history is the result of an anonymous tip to a state fraud hotline about the alleged theft of food at the Executive Mansion that turned...Read More
    1,000-acre mixed-use development in the works for Lake Anna
    7/27/2014 5:50 PM
    Work has begun on a 1,000-acre project along Lake Anna that will dramatically expand development in northern Louisa County...Read More
    Motorcyclist dies in wreck in Nelson County
    7/27/2014 5:46 PM
    A motorcyclist died after colliding with a vehicle at the intersection of U.S. 29 and Route 56 in Nelson County on Saturday morning...Read More
    It's easy to be fooled by latest scams hitting the area
    7/27/2014 5:10 PM
    If someone calls or emails and asks or demands credit card numbers, passwords or personal information, it’s likely a scam, consumer advocates from the Better Business Bureau to the Federal Trade Comm...Read More
    A sampling of scams making the rounds
    7/27/2014 5:05 PM
    If it rings, dings, connects or communicates, someone is probably using it to try to steal your money...Read More
    18-year-old who had brain surgery returns to UVa to shadow doctors
    7/27/2014 2:34 PM
    Sterling Street returned to the University of Virginia Medical Center last week, less than a year after brain surgery he received there saved his life...Read More

    Bama Works Grant to Help Foster Children Establish Support System
    7/28/2014 5:20 PM
    A grant from Dave Matthews’ Bama Works Fund will help foster children meet other relatives and even friends of their family once they age out of foster care...Read More
    Middle, High School Students Learn STEM Skills at UVA Camp
    7/28/2014 4:15 PM
    Rising eighth- and ninth-graders are staying in UVA dorms to get a college experience while building model solar cars, Mars rovers, and more...Read More
    Albemarle Police Searching for Larceny Suspect
    7/28/2014 12:00 PM
    Albemarle police are searching for a male suspect involved in a number of larcenies from vehicles in the Carrsbrook neighborhood...Read More
    Latest Demographic Profiles Show Disparities Among VA Regions
    7/28/2014 10:54 AM
    Looking at VA as made up of eight regions shows that the median household income in Northern VA of $102,499 is almost double and, in some places, triple that of other areas in the state...Read More
    Registration Open for Free Emergency Preparedness Training
    7/28/2014 10:23 AM
    The Charlottesville, Albemarle, UVA Office of Emergency Management is offering a free course this fall to train people on basic skills to help out in a disaster...Read More
    BGF Recognizes Skip Wootten Volunteer of the Year
    7/26/2014 7:00 AM
    Building Goodness Foundation (BGF) will present its 2014 Skip Wootten Volunteer of the Year Award to Paul Ackerman...Read More
    Peace Activists Send Message from Charlottesville to Stop Violence in Gaza
    7/28/2014 10:13 AM
    The Charlottesville Center for Peace and Justice, the Charlottesville Islamic Society, and other groups came together for a peace vigil in front of the federal courthouse Saturday night...Read More
    Sarah McLachlan Concert Benefits the Charlottesville Free Clinic
    7/28/2014 10:00 AM
    The NTelos Wireless Pavilion is getting set up for a Sarah McLachlan concert to benefit the Charlottesville Free Clinic...Read More
    Incredible Turnout for University of Virginia's Health Fair
    7/28/2014 9:58 AM
    Medical students, doctors, and nurses from the University of Virginia donated their time Saturday to identify potential health risks and share tips for healthier living...Read More
    UVA Professor Teaches Class on Game of Thrones
    7/25/2014 10:09 PM
    Students suffering from Game of Thrones withdrawal got one last chance at a fix this summer at the University of Virginia...Read More

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