BNC ripped me off for $500 for an appraisal that was factually incorrect and they did not order. BNC got ahold of my credit card with the idea that I would not be charged unless necessary. They charged right away. They did not order the appraisal, it was already completed and on top of it factually incorrect (the fact that we are on septic and not sewer). Avoid unless you want to fight improper credit card charges by these people.