Mortgage Lenders / AMC’s


With 40+ years experience in appraisal for Mortgage Lending in the Saint Charles, Saint Louis and Lincoln County areas, Tom Schulte is well qualified to provide appraisal reports that are thorough, accurate and in compliance with all current regulations.

Missouri Certified Residential Appraiser

FHA approved

Member of VA panel of approved appraisers since 1982

Extensive knowledge of current UAD requirements 

A La Mode software 

Proper comparable sale selection and supportable adjustments are provided resulting in Collateral Underwriter scores that are acceptable. In appraisals of complex properties or properties where market data is minimal, every effort is made to anticipate potential questions or concerns on the part of a reviewer in order to avoid revision requests.  In cases where additional explanation or revisions are requested, response is quick and thorough.

Turn times and fees are competitive. Expected turn time agreed to in advance is always met unless there is a delay in access to the property caused by someone other than the appraiser. Any delay is immediately reported to the client and report status is updated as required.

All properties are inspected, physically measured and appraisal reports completed by Tom Schulte. Appraisals are not assigned to assistants or trainees.

Click on the following to view sample UAD appraisal reports. Additional sample reports can be provided by request.

1004 UAD Sample Report

1004 UAD FHA Sample Report


Click on the following to view:




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 Thomas J Schulte & Associates
109 Barrington Lake Drive
Dardenne Prairie, MO 63368