Premier Home Appraisals, Inc.

Troy Kaster

Troy Kaster began his Real Estate Appraisal career with CR Consulting in 2001 as an Associate Trainee assisting with field inspections in the Washington, DC Metro Area.  In 2002, He joined RHR Appraisals and there gained the experience and education necessary to become a Certified Residential Appraiser with licensure in Virginia, Maryland and Washington, DC. In 2007, Troy started Premier Home Appraisals, Inc., specializing in complex, high value appraisals most companies shy away from.

Troy has taken great pride in mentoring his brother-in-law, Matthew Williams, who is now also a Certified Residential Appraiser and owns and operates the Richmond/Hampton Roads office. Troy has completed over 13,000 appraisals in his career.

Troy was born in Manassas, VA and grew up in Northern Virginia, specifically in Herndon and Fairfax. Troy attended both Oakton and Stonewall Jackson High School and graduated from Stonewall Jackson High School in 1989.

“We want to be the company every lender turns to for the most accurate and respected valuations. It is our duty to stay on top of the ever-changing legislation, remain connected with local markets and be able to communicate to our clients in a clear and concise manner.” – Troy

After graduating high school, Troy received an Associate in Applied Science Degree in Fire Science from Northern Virginia Community College and was a volunteer Firefighter/EMT for 15 years. Additionally, Troy enjoys keeping up with the economic trends and development of the area by attending seminars, conferences and local chamber events. In his free time, he enjoys playing golf and softball, participating in Spartan races, going to CAPS games and spending time with his family.


Matt Williams

Matthew (Matt) Williams’ Real Estate career began in 2011 with Premier Home Appraisals, Inc., as an Associate Appraiser under the supervision of Troy Kaster. Matt has completed more than 7,000 hours of training and has assisted with over 1,000 appraisals while achieving his Certified Residential Appraiser License. He is an active member of the Williamsburg Area Associate of Realtors and the National Association of Realtors. Matt proudly owns and operates the Richmond/Hampton Roads office with a determined focus on providing reliable and honest valuation services that serve and protect the best interests of his clients and community.

Matt attended Old Dominion University on a swimming scholarship and graduated from Pensacola State College. Although native to Pensacola, FL, he has since made Williamsburg, VA his home and has lived there with his beautiful wife and daughter since 2000. Matt’s interests include church, outdoor activities with family and friends, traveling, swimming and participating in community outreach organizations.


Crystal Scalzo

Crystal-phappsCrystal Scalzo joined Premier Home Appraisals in 2014 as an Appraiser Assistant under the supervision of Troy Kaster. She has completed more than 7,000 hours of training and has assisted with over 650 appraisals while she is working towards her Certified Residential Appraiser License. Her attention to detail and drive for perfection makes her an asset to the PHA team and a rising star in the industry.

Crystal attended the University of California, Santa Barbara before relocating to Northern Virginia in 2010. Soon after moving to Virginia, she fell in love with her husband Frank and cant imagine living anywhere else with him, their daughter and her two step daughters. When Crystal is not working, she remains active spending time with her family and chasing their toddler around.


“My mission is to provide exceptional service and deliver quality results with honesty and integrity to our customers.” -Crystal Scalzo


Rachel Morgan

Rachel-MorganRachel Morgan joined Premier Home Appraisals in 2015 as an Appraiser Assistant to Matthew Williams. She provides research and administrative assistance for the Richmond/Hampton Roads office and is currently pursuing her education with the goal to become an Associate Appraiser. Before joining the PHA team, Rachel worked in the mortgage industry as a Loan Officer Assistant with TowneBank Mortgage, Monarch Mortgage, and Citizens Charter One. As a native to Williamsburg, VA, she enjoys being of service to her home community.

Rachel resides in Williamsburg, VA with her Fiance. When not working she loves traveling, practicing photography, and painting.



Jessica Forrester

Jessica Forrester joined Premier Home Appraisals in Spring 2016 as an Appraiser Assistant to Matthew Williams. She has developed her professional career in both sales and the non-profit sector and is currently pursuing her Certified Residential Appraiser License.

A native of Norfolk, VA, Jessica graduated magna cum laude from Old Dominion University and currently resides in Newport News with her husband and five children. She is passionate about excellence, integrity, and serving others. When not working, Jessica recharges her batteries with travel, exercise, reading, and lots of laughter around the family dinner table.