Certified Real Estate Residential Appraiser - #
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1 MOLLY A. CARHART-WHRITNER - APPRAISER'S QUALIFICATIONS 6 FRONT STREET NEWBURGH, NY MOLLYC@VCINY.COM NYS LICENSE # PROFESSIONAL AFFILIATIONS: National Association of REALTORS New York State Association of REALTORS Orange County Association of REALTORS Appraisal Institute Affiliate Member New York State Society of Real Estate Appraisers Orange County Assessor's Association Mortgage Bankers Association of the Mid-Hudson Valley Certified Real Estate Residential Appraiser - # Board of Directors - Town of Newburgh Little League 2006 Treasurer - Town of Newburgh Little League Present Member - City of Newburgh Lion s Club 2007 Third Vice President - City of Newburgh Lion s Club Present Mid-Hudson Pattern For Progress Fellows Program Graduate 2009 EDUCATION: Orange County Community College - Middletown, New York Associates in Applied Science Degree in Real Estate Appraisal Institute Courses and Seminars: Course Introduction to Appraising Real Property Course Applied Residential Property Valuation National Association of Real Estate Appraisers: Appraisal Standards of Professional Practice and Ethics Orange County Community College: Real Estate I, Real II, Investment Real Estate, and Real Estate Appraisal. Mortgage Bankers Association of the Mid-Hudson Valley: Small Residential Income Appraisal Report Independent REALTORS Professional Training Program
2 Orange County Association of REALTORS: The Cost Approach How to Complete NYS FHA Appraisal (NYS Code ) Appraising High Value and Historic Homes (NYS Code ) Standards of Professional Practice and Ethics - Part A, USAP (NYS Code E/S) NYS Society of Real Estate Appraisers - 6 th Annual Spring Appraisal Conference (NYS Code ) AQ-1 (NYS Code 0022) New FHA/HUD Guidelines & Test Procedures (NYS Code 0996) 12 th Edition of the Appraisal of Real Estate - Update (NYS Code ) Evolution of American Home (NYS Code ) Residential Sales Comparison Workshop (NYS Code ) A Practical Understanding of the Appraisal Process (NYS Code 1033) That Old House (NYS Code 2043) USPAP update 2003, Standards and Ethics for Professionals (NYS Code ) McKissock, Inc. - FHA Appraising Today - Virtual Classroom Approval Number
3 McKissock, Inc. - Construction Details and Trends - Virtual Classroom Approval Number Appraisal Institute Code # Appraisal Consulting: A Solution Approach for Professionals Mid Hudson Chapter The Professional s Guide to the Uniform Residential Appraisal Report Mid Hudson Chapter 2006 Changes to USPAP: The Demise of Departure (NYS Code ) McKissock, Inc. - 7 Hour National USPAP Update Course (NYS Code ) McKissock, Inc Family Finesse Virtual Classroom (NYS Code ) Mid Hudson Chapter Evaluating Residential Construction (NYS Code # ) Mid Hudson Chapter Online Valuation Resources to the New York Appraiser (NYS Code # ) Mid Hudson Chapter 7 Hour National USPAP Update Course (NYS Code ) McKissock, Inc. - Appraisal Trends Virtual Classroom (NYS Code ) McKissock, Inc. - Mortgage Fraud: Protect Yourself Virtual Classroom (NYS Code ) Appraisal Institute: USPAP Update Course 1/2010 Manfred Real Estate Learning Center FHA and VA Appraisal Basis - Code /2010 Residential Cost Approach - Code /2010 Mortgage Fraud: A Dangerous Business Code /2010
4 EDUCATOR EXPERIENCE: Instructor - Orange County Community College, Orange County Association of Realtors and Westchester County Association of Realtors - Courses R-I, R-II, R-III, R-4, Standards of Professional Practice and Ethics and Several Seminars EXPERIENCE REAL ESTATE: 11/93 to Present Valuation Consultants, Inc., Newburgh, New York Staff Appraiser 1987 to 11/93 Carhart Appraisal Company, Newburgh, New York Acquired ownership shares in 1990 and became corporate President and General Manager of the company thereafter APPRAISAL EXPERIENCE: Has appraised all types of residential properties, condominiums, multi family residences, vacant land, commercial and industrial properties. Has performed property analysis and appraisal for private and corporate investors, financial institutions, attorneys, major corporations, home transfer companies, municipalities and various other lenders. Here listed are a few: GENERAL CLIENT LIST Citibank First Fidelity (formerly Mid Hudson Savings Bank) Fleet Bank Hudson Heritage Federal Credit Union Key Bank M & T Bank Parkway Mortgage Pawling Savings Bank Residential Mortgage Walden Federal Savings and Loan AREAS OF APPRAISAL EXPERIENCE - NEW YORK STATE COUNTIES: Orange, Ulster and Rockland
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6 FACTUAL STATISTICAL AND REFERENCE INFORMATION As an efficient appraisal firm, I also have access to the following: An up-to-date set of subdivision and tax map records. An up-to-date set of area Zoning Maps and Ordinances. City Maps showing existence of underground utilities. Flood Hazard Boundary Maps. Maintenance of sales transactions by subdivision and street name, effective dates of sale and current listings. Current community statistics referring to retail sales, bank clearance, employment, transportation routes, construction activity and mortgage recordings. References are available upon request.
Jim L. Sanders, MBA Arizona Certified General Appraiser #30203 2824 E. Weymouth Circle Tucson, Arizona 85716 Ph: 520 322-0088 E-mail REAL@cox.
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In this packet... Introduction... 2 TDHCA s Homebuyer Assistance Options... 2 My First Texas Home (MFTH)... 2 Texas Mortgage Credit Certificate (MCC)... 2 Features of TDHCA s Homebuyer Assistance Programs...
CONDOMINIUM PROCESSING Q&A s
CONDOMINIUM PROCESSING Q&A s 1 P age FAQ s-ml 2009-46B Condominium Processing Contents Page/s General Processing for DELRAP & HRAP. 3-6 DELRAP Processing. 6-8 HRAP Processing.. 8 Project Recertification.