Dan Tosh founded Tosh & Associates in 1985.  Dr. Tosh is a certified general real estate appraiser with the State of California.  He holds a Ph.D. in economics from Cranston University and from Canterbury University and has been an appraiser since 1974. Among his many experiences, he was a contract auditor for FSLIC, an underwriter, vice chairman of a Savings and Loan, an executive vice president of a bank, a vice president of secondary marketing, a chief appraiser for two different mortgage companies, a high school teacher and was a member of the US Services League. 

Tosh & Associates Education provides college level accredited appraisal courses in the State of California. We provide continuing education as well as basic education including USPAP. Dr Tosh is currently becoming a certified USPAP instructor and the process should be complete by the end of 2004.

Shelley Tosh is the managing partner and handles accounts receivable as well as the office staff. She is a former certified residential appraiser with the State of California and holds a masters degree in business management. Shelley has been in the appraisal business for more than 18 years.

Ed DeLaCruz's background is security and investments trading with real estate portfolio sales and management development. He is a licensed appraiser, has been a team leader, troubleshooter, senior reviewer and provides additional support for the chief appraiser.

Nikki is the operations manager and provides essential support for all aspects of the appraisal function from inception to completion. Nikki oversees the support staff and is involved in status and scheduling to provide a smooth operation throughout the process.

We have several appraisers of various levels in our office in the Northern California City of Brentwood.  We are state of the art with all the most current and modern tools. We are a course provider with the State of California and provide continuing education as well as basic education for real estate appraisers.

We only accept new clients that can accept e-mail and have color printers.  Clients must order the appraisals COD.  As of June of 2003, recertifications are no longer permitted by USPAP and an updated appraisal must be ordered. We can re-visit the appraisal for a different client, if we have the underwriting guidelines and establish an "appraiser/client" relationship. 

We only allow invoicing for clients with a previous arrangement with management.  To qualify for billing your company must order a minimum of 100 orders per month and pay within 30 days. 

All appraisals are personally reviewed and analyzed by the chief appraiser, prior to completion and delivery.  Our turn around time has been 5 to 7 days after the inspection, provided there are no special circumstances. 

We look forward to providing the same quality service for you as well.