Statewide
Appraisal Service, Inc

Qualifications of

A. L. "Vern" Orman
Appraiser

• Member of American Association of Certified Appraisers with designation Certified Appraiser - Residential
• Member of Memphis Area Association of Realtors and member of National Association of Realtors Appraisal Section
• Investor, since 1975, buying and selling real estate
• Experience, since 1975, as an appraiser of residential, commercial, light industrial, special use and other properties
• Studies in business, sociology, economics and real estate including the following courses:
  Real Estate Principles
  Real Estate Development
  Real Estate Construction
  Real Estate Finance
  Real Estate - Apartment Management
  Real Estate Law
  Real Estate Review and Tennessee Code
  Real Estate Appraisal
• Under the educational courses of appraiser organizations the following courses have been completed:
  Real Estate Appraisal Principles
  Residential Valuation
  Basic Valuation Procedures
  Standards of Professional Practice
• Attended many seminars and lectures pertaining to real property, such as:
  Consequences of Buying Real Estate
  Low Income Housing
  Fair Housing, Fair Lending
  Effects of Finance Concessions
  Relocation Appraisal
  FNMA Underwriting
  Applied Sales Comparison Approach
  Advanced Residential Appraisal
• Appraisal experience over a large geographical area from Knoxville, Tennessee to Newport, Arkansas and from Jackson, Mississippi to Centralia, Missouri
• Experienced in court testimony: Bankruptcy, Circuit, Chancery and Probate
• Experienced in technical (field) review and administrative (desk) appraisal review since 1979
• Has been instructor in real estate appraisal and guest speaker in several classes or meetings
• Tennessee State Certified Residential Real Estate Appraiser
• Over 700 hours of related courses include:
• Real Estate Appraisal
  Real Estate Principles
  Real Estate Development
  Real Estate Finance
  Real Estate Design & Construction
  Residential Valuation
  Real Estate Law
  Real Estate Apartment Management
  Real Estate Review and Tennessee Code
  Real Estate Appraisal Principles
  Standards of Professional Practice
  Adjusting For Financing Differences
  Investment Analysis
  Report Writing
  Income Property
  Effects of Finance Concession
  Relocation Appraising
  Investment Analysis
  Uniform Appraiser Seminar
  Shelter Industry
  Homebuilding, Marketing, Bankruptcy, Title Insurance & the Dollar
  Marketing New Homes
  Regulation 41C
  Appraisal Underwriting
  Review Appraising
  HUD, VA, FNMA
  Current Financing & Economic Trends
  FNMA Underwriting Guidelines
  Narrative Report Writing
  Advanced Residential Appraisal
  Small Residential Income Property Appraisal
  Uniform Commercial/Industrial Appraisal Report
  Fair Housing
  State Appraiser Certification
  Fair Housing - Fair Lending
  Agency Disclosure
  Environmental Liabilities
  Attorney Discloses Secrets
  Fair Housing 1992
  HUD Update
  Real Estate Fraud & Deception Liability
  Handling Stress in Real Estate Transactions
  URAR Seminar
  Applied Sales Comparison Approach
  Professional Standards of Practice
  Consequences of Buying Real Estate
  Low Income Housing
  Fair Housing Update
  HUD Appraisals
  Perspective on Appraisals Educational Seminar
  Collateral Assessment
  HUD 203 K Properties Update
  Residential Property Construction & Inspection
  Environmental Risk & Real Estate Appraisal
  Regression Analysis
  Real Estate Finance Update 1996
  New Home Sales