Qualifications

Employment History

11/85 - Present, Appraisal Practice

Actively engaged full time in the Appraisal of Real Estate in Charles, St. Mary's and Calvert Counties,MD. Including: Single Family Residential, Commercial, 2 - 4 Family Dwellings, Condominiums and Vacant Land.

5/83 - Present, Real Estate Practice - Broker

Actively engaged full time in the Listing, Selling and Property Management of Real Estate.

9/79 - 4/83, Income Tax Consultant

Prepared Income Tax forms for Individual, Partnership and Corporate Returns.

Licenses

• MD State Certified Residential Appraiser # 03-994. Expiration: 12/31/2009
• MD State Real Estate Broker # 69333. Expiration: 01/31/2009

Memberships

• SRA Member of the Appraisal Institute #R863375
• Maryland Board of Realtors
• National Association of Real Estate Boards
• Maryland Association of Real Estate Boards
• Regional Ethics and Counseling Panel of the Appraisal Institute

Education

04/86 - AIREA Courses Completed: 75 hours earned

• Real Estate Appraisal Principals 8-1
• Residential Valuation 8-2
• Standards of Professional Practice 8-3

06/90 - SREA sponsored workshop completed; 7 Continued Education credits earned

• Advanced Demonstration Appraisal Report Writing

10/91 - MAR Residential Appraisal Education Program; 15 hours earned

• Course IV, Cost and Income Approaches/Valuation of Partial Interests

06/94 - Appraisal Institute Sponsored Course; 39 Continuing Education hours earned

• 310: Basic Income Capitalization

10/94 - Appraisal Institute Sponsored Course; 44 Continuing Education hours earned

• 510: Advanced Income Capitalization
• Appraising Residential Properties for FHA Insured Loans

01/97 - Appraisal Institute Sponsored Course; 16 Continuing Education hours earned

• Standards of Professional Practice, Part A

04/97 - Appraisal Institute Sponsored Course; 11 Continuing Education hours earned

• Standards of Professional Practice, Part B

08/99 - Appraisal Institute Sponsored Program; 9 Continuing Education hours earned

• FHA and the Professional Process
• Real Estate Appraisals for Federal Estate and Gift Tax Purposes

02/00 - Appraisal Institute Sponsored Program; 2 Continuing Education hours earned

• Emerging Trends in Real Estate Value Cycles 2000

05/00 - Appraisal Institute Sponsored Program; 7 Continuing Education hours earned

• Appraising High Value and Historic Homes

06/00 - Appraisal Institute Sponsored Program; 6 Continuing Education hours earned

• Automated Valuation Models

06/00 - Maryland Association of Assessing Officers Inc. Sponsored Program, 11 Continuing Hours earned

• Farmers Home Loan Rental Projects
• Flipping Residential Property
• Detecting Fraud in an Appraisal Report
• Valuation of Contaminated Lands

07/00 - Appraisal Institute Sponsored Program, 7 Continuing Education hours earned

• Residential Finance
• Real Estate Investment Taxation

03/03 - Appraisal Institute Course 320, 40 Continuing Education hours earned

• General Applications

11/03 - Appraisal Institute Course 400, 7 Continuing Education hours earned

• USPAP Updated, Standards and Ethics for Professionals

03/04 - Appraisal Institute Course 810, 16 Continuing Education hours earned

• Computer Enhanced Cash Flow Modeling

12/05 - Appraisal Institute Sponsored Program, 15 Continuing Education Hours earned

• 1. Partial Interest Valuation – Undivided & Divided

12/06 - Appraisal Institute Sponsored Program, 15 Continuing Education Hours earned

• 1. Uniform Standards of Professional Appraisal Practice (USPAP)

Professional References

Sue Buter, Loan Officer
Educational Systems Employees Federal Credit Union
3950 48 th Street, P.O. Box 226
Bladensburg, MD 20710
800-356-6660

Ford L. Dean, President
Homeland Mortgage Company
26960 Three Notch Road
Mechanicsville, MD 20659
301-884-0387

Thomas Daugherty
President
Maryland Bank and Trust Company
P.O. Box 340
Lexington Park, MD 20653
301-863-7061