The following are the normal contributors to Three Approaches.

Rachel Massey, SRA, AI-RRS



Rachel Massey began in the real estate field in 1984, first in sales, then seguing full-time into appraisal in 1989. She earned her SRA designation from the Appraisal Institute in 2004, and was recently awarded the AI’s new review designation, the AI-RRS. Rachel has spent the majority of her appraisal career in the fee world as an independent appraiser focusing on private client needs including divorce and estate work as well as other private party needs. She has also worked on staff as an appraisal manager and senior level reviewer on the post-funding side of the mortgage world.

Rachel lives and works in the Ann Arbor area and in her spare time, what little there is, enjoys family, dogs, walking and the fine martial art of Aikido. Rachel spends up to eight hours a day walking on her secondary work passion – the treadmill desk.  You can find out more about Rachel and the type of work she completes through her website at



Tim Andersen_pp

Timothy C. Anderson, MAI, Msc., CDEI, MAA

Timothy C. Andersen has been a practicing real estate appraiser since before some of you reading this were born.  If he keeps practicing, he may eventually get it right, but he holds out scant hope.

Tim earned his SRPA in 1990 and his MAI in 1997.  In 2002 he became a USPAP instructor.  In 2011 he earned his CDEI.  He has a Bachelors degree in business administration and a Master of Science Degree specifically in Real Estate Appraisal.

His professional background includes appraising for four large firms in the south Florida area, a stint with the Palm Beach County Property Appraisers Office; a tax agent; a real estate broker (with his own brokerage); USPAP instructor (to real and personal property appraisers); author of books, articles, seminars, and classes; public speaker; webinar speaker; consultant to appraisers who are in trouble with their state appraisal boards; self-titled expert on trivia both boring and arcane; and so forth.

The important stuff (to Tim, anyway) is that he is married to Debbie (they met when they were both 18), has three children (that he and Debbie know of), three ridiculously spoiled grandchildren, two ridiculously spoiled dogs, and (finally!) one mortgage.  They live in south Florida (yes, its paradise; but somebody has to live here).



Woody Fincham, SRA

Capture me



Woody has been appraising for almost 15 years.  He started his career in Hampton Roads, VA working for a small fee practice that focused mostly on mortgage-use reports.  In 2004 he co-founded and managed what became a very successful residential fee practice that had a strong portfolio of lender clients as well as non-lender clients, FM & Associates, Inc.   He sold his interest in his firm in 2008 to take a position with Braun & Associates in Knoxville, TN.  Woody has since transitioned to assessment where he has been managing assessment staff for the past couple of years dealing with both residential and non-residential work.  He is in the advanced stages of completing the AAS designation with the IAAO and will soon be completing the AI-RRS designation with the Appraisal Institute.

He lives in Charlottesville, VA with his family.  He is currently working with the Virginia Department of taxation as a Valuation Consultant and is a Vice President with The Trice Group which  focuses on non-lender valuation consulting and all types of valuation reporting including lender and non-lender work.  He is a runner, writer (mostly for fun), hiker , motorcycle enthusiast and plays guitar and bass, as well as song writes in his spare time.


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