While engaged in the appraisal of real estate since 1986, I have completed appraisal assignments on various types of real property.  These assignments were performed for companies such as credit unions, mortgage companies, banks, relocation companies, various government agencies and individuals.  For the past 18 years I have been mostly self-employed as a fee appraiser contracting to various companies; however, I was a staff appraiser at North American Mortgage Co. from 1992 to 1993 and Countrywide Home Loans from 1993 to 1994.

Biographical Data

I was born in Baton Rouge, Louisiana, to an Air Force family, and had the opportunity to travel throughout the United States and Europe. I began school in Illinois; later we were transferred to Universal City, Texas, near San Antonio.  Following my graduation from Schertz-Cibolo High School in Schertz, Tx., I earned my B.B.A. at Southwest Texas State University and an M.B.A. at the University of Texas at Austin.  I then pursued a career in business management, including operation of my own business.  In 1985, I began a career in the field of mortgage related activities and I entered the real estate appraisal profession in 1986.

Educational Data

• B.B.A., Southwest Texas State University, 1967
• M.B.A., University of Texas, Austin, 1972
• Principles of Real Estate I, Spencer School of Real Estate, 1986
• Principles of Real Estate II, College of the Mainland, 1988
• Applied Sales Comparison, AIREA, 1988
• Accrued Depreciation, AIREA 1988
• Cash Equivalency, AIREA, 1988
• Real Estate Investment, College of the Mainland, 1988
• Real Estate Appraisal Principles, AIREA, Took Exam & Passed, 1988
• Basic Valuation Procedures, AIREA, Took Exam & Passed, 1989
• Standards of Professional Practices, AIREA, 1989
• Keeping Current With Texas Real Estate, College of the Mainland, 1992
• Environmental Site Assessment, Lincoln Graduate Center, 1992
• Limited Scope Appraisals & Uniform Standards of Professional Appraisal Practices, NAIFA, 1994
• Professional Standards of Practice, NAIFA, 1994
• Lead Inspection of Real Estate, Lincoln Graduate Center, 1996
• Real Estate Construction, Columbia Institute, 1998
• USPAP Update, Columbia Institute, 1999
• Principles of Appraisal Review, Columbia Institute, 1999
• HUD Appraisal Review Requirements, NAIFA, 1999
• HUD Appraisal Requirements, NAIFA, 1999
• Took and Passed new HUD Exam, 1999
• FHA Appraisal Inspections, Appraisal Institute, 2000
• Calculating Gross Living Area Using ANSI Standards, NAIFA, 2000
• USPAP 2001, McKissock Data Systems, 2001
• USPAP 2002, NAIFA, 2002
• Manufactured Housing, McKissock Real Estate School, 2003
• FHA Appraising Today, McKissock Real Estate School, 2003
• Historic Home Appraising, NAIFA, 2004
• NAIFA Ethics, NAIFA, 2004
• USPAP 2004, Lincoln Graduate Center, 2004
• FHA Seminar, NAMA, 2005
• NAIFA USPAP Update, NAIFA, 2005
• Seminar on New Forms, Columbia Institute, 2005
• Expert Witness Testimony, NAIFA, 2005
• FHA Update Seminar, Lincoln Graduate Center, 2006
• Mortgage Fraud and The Appraiser, NAIFA, 2006
• National USPAP Update Course, Columbia Institute, 2007
• Environmental Pollution and Mold, McKissock, 2007
• Appraising Historic Properties, McKissock, 2007
• Red Flags Inspection Guide, Columbia Institute, 2007
• Appraising Historic Properties, McKissock Real Estate School, 2007
• Environmental Pollution and Mold, McKissock Real Estate School, 2007
• National USPAP Update Course, Columbia Institute, 2007
• The FHA Appraisal, Professional Appraisal Training Center, 2008
• Spotlight on Challenges, Appraisal Institute, 2009
• USPAP National Update, McKissock, 2009
• Income Capitalization, McKissock, 2009
• Private Appraisal Assignments, McKissock, 2009
• USPAP National Update, Mckissock, 2011
• Land and Site Valuation, McKissock, 2011
• Foundations in Suitability: Greening Real Estate & Appraisal Industry, McKissock, 2011
• Risky Business: Ways to Minimize Your Liability, McKissock, 2011

Professional Affilitations and Certifications

• Texas State Certified Residential Real Estate Appraiser
• National Association of Realtors - Member
• Houston Board of Realtors - Member