SCOTTSDALE, Ariz. — MariSol FCU in Phoenix recently joined Zaio Inc., here, to gain access to its 10,000 appraisers nationwide that provide a full range of real estate valuation and appraisal services.

Making use of Internet technology as much as possible helps lower costs associated with the home buying process, said Zaio, and helps to position smaller institutions on a par with far larger ones as well.

"Clearly, the mortgage crisis is changing the way financial institutions do business," said Thomas Inserra, CEO of Zaio. "In addition to greater efficiency, restoring investor confidence and certainty is critically important to the future of the industry.Zaio offers new technology and appraiser verified data held in a secure database helping to ensure appraiser independence in the mortgage lending process."

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