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William L. Pittenger is a long time appraiser, economist, banker and bank regulator. His career spans more than 40 years. He holds the MAI and SRA professional designations of the Appraisal Institute. He is retired from daily practice but remains a prolific economic and real estate writer as well as speaker, lecturer, teacher and consultant. He is at home in Saint Cloud, Florida, a suburb or Orlando.
Volumes have been written about both appraising and real estate lending. Little has been written that bridges the gap between both disciplines. Bill Pittenger has done that. He has distilled a lengthy series of original and contemporaneously written essays produced over four decades into a comprehensive anthology. In it he explores such diverse but relevant topics as using a real estate appraisal to gauge loan repayment risk and how to develop appraisal and community bank risk management policies. He explores federal appraisal regulation – both current and its evolution – as well as fair lending and compliance issues every banker and appraiser needs to understand. He writes about getting behind a value estimate to determine what a value estimate is saying and what the relationship of value indications really means. Appraising and lending on the security of real estate development projects has been a long term research interest of his for which he has received awards for his writings as well as for innovation and provocative thought. He writes about economic feasibility, marketability and highest and best use as well as the economics of development cost, the role of entrepreneurial profit, cash flow analysis and discounting. It All Matters: An Appraisal Anthology is a must read for real estate appraisers and bankers alike. Keep it close as a desk reference.