F. Thomas Cross, G.A.A. is a Virginia licensed Certified General Real Estate Appraiser with more than 35 years of real estate appraisal experience that includes residential and commercial appraisal assignments in five states.

Central Virginia Residential Service Area:  the Town of Ashland, Chesterfield County, Goochland County, Hanover County, Henrico County, King William County, New Kent County, Powhatan County, and the City of Richmond.

Specializing in residential appraisal assignments for:

  • Conventional Primary and Secondary Mortgages and Home Equity Loans
  • VA Primary Mortgages
  • FHA Primary Mortgages
  • Mortgage Refinancing
  • Private Mortgage Insurance (PMI) Removal
  • Estate Planning
  • Divorce Settlement
  • Real Estate Taxation Consulting

    Member of the Central Virginia Regional Multiple Listing Service and the Richmond Association of Realtors┬«, General Accredited Appraiser (G.A.A.) designee of the National Association of Realtors┬«, member of the Fee Appraiser Panel of the U.S. Department of Veterans Affairs, member of the FHA Roster of Appraisers of the U.S. Department of Housing and Urban Development, qualified expert witness in the United States Bankruptcy Court for the Eastern District of Virginia, the Henrico County Circuit Court, and the Henrico County Board of Real Estate Assessment Review and Equalization.  Retired from local government service in September 2019 after a 33 year career as a senior commercial real estate appraiser with the Henrico County Real Estate Assessment Department.