Mr. McCarthy was hired by our bank to appraise our home for a refinance loan.3 weeks after he was hired and 5 days before our scheduled settlement he called up and insisted on coming to our home at 9AM. Because we didn't want to miss our settlement date we reluctantly agreed and totally rescheduled our day. The morning he was supposed to come he called at 8AM and told us he would not be out till noon! When he finally showed up he completely dismissed tens of thousands of dollars worth of renovations and upgrades to our home. This included a major kitchen and bath remodel and more. He was both rude and condescending throughout his visit.When the appraisal came in he had chosen "comps" that were smaller size homes with considerably less acreage. Consequently he appraised our house for less than what it appraised for just 3 years prior, DESPITE the major renovations and upgrades to our home and our providing comps that showed our home was (apples for apples) worth at least 20 thousand more than his estimate.We STRONGLY urge anyone seeking appraisal services to find someone other than Mr. McCarthy if they want a true and accurate appraisal.