QUALIFICATIONS OF HEATHER J. ROSS, MRA, SRA
LICENSE
Massachusetts Certified General Real Estate Appraiser License # 1434
FHA Registration # MA 1434
EDUCATION
Emerson College, Sussex, England, Arts and SciencesDaemen Collage, Buffalo, New York, BFA/Cum LaudeBoston University, Boston, MA, MSW/ Clinical SW/ LCSW
Appraisal Institute:Course: 7-Hour National USPAP Update Course 2016-2017 (09/30/2017)Seminar: The 50% FEMA Appraisal Rule; Webinar 032515 (9/9/17) Seminar: New England Appraisers Expo: Commercial Program: Transportation & Real Estate Synergies & Private Student Housing (10/24/2016)Course: Residential Applications: Using Technology to Measure and Support Assignment Results (5/24/16)Course: Residential Market Analysis and Highest & Best Use (12/2014 w/exam)Seminar: High Performance Energy Efficient Residential Construction (9/16/2014) Course: Residential Site Valuation and Cost Approach (10/2013 w/exam)Course: Real Estate Finance Statistics & Valuation Modeling (2013 w/exam)Course: 7-Hour National USPAP Update Course 2012-2013 (12/2012)Course: Real Estate Appraisal Operations (Online – 2011)Course: Real Estate Finance Statistics & Valuation Modeling (Online – 2011)Course: 7 Hour National USPAP Equivalent Course 2010-2011 (Online – 2011)Course: Business Practices & Ethics (Online – 2010)Course: Advanced Residential Report Writing/ Part 2 (2008)Course: Advanced Residential Applications and Case Studies/ Part 1 (2008)Course: Rates and Ratios: Making sense of GIMs, OARs, & DCF (Online – 2008)Course: 7-Hour National USPAP Equivalent Course 2008-2009 (Online – 2008)Course: Appraising Convenience Stores (Online w/case study – 2008)Course: 7-Hour National USPAP Update Course (2006)Course 550: Advanced Applications – Four Commercial Case Studies (2006)Course: Analyzing Operating Expenses (Online w/exam – 2005)Course: The Professional’s Guide to the Uniform Residential Appraisal Report(Online w/exam – 2005)Course I400: 7-Hour National USPAP Update Course (2005)Course 410: Uniform Standards of Professional Practice, Parts A & B (2004)Course 600: Income Valuation of Small, Mixed-Use Properties (2003)Course II520: Highest & Best Use and Market Analysis (2002)Course 430: Standards of Professional Practice, Part C (2000)Seminar: General Demonstration Appraisal Report Writing Seminar for the MAIDesignation (2000)Course: The FHA and the Appraisal Process (1999)Course II540: Report Writing and Valuation Analysis (1999)Course: New Industrial Valuation (1998)Course : Condominium Analysis and Project Valuation (1989)Course 420: Standards of Professional Practice Part BCourse 410: Standards of Professional Practice Part ACourse 202: Applied Income Property Valuation (1991)Course 101: Introduction to Appraising Real Property (1991)
American Society of Farm Managers and Rural AppraisersSeminar: Uniform Appraisal Standards for Federal Land Acquisitions“Yellow Book” Seminar (2004)
Massachusetts Board of Real Estate Appraisers:Seminar: 2018 New England Appraisers Expo: Commercial Program Course Approval #580032 Seminar: 2017 New England Appraisers Expo: Commercial Program Course Approval #580019 Course: 7-Hour National USPAP Update Course 2018-2019 (12/6/2017) Seminar: 2015 New England Appraisers Expo (10/19/15) Commercial Program: Innovative Regional Development in the Downtown Boston / Seaport Area and Innovative Regional Development Outside the Urban and Suburban Areas Course: Supervising the Trainee Appraiser: National Regulations and Responsibilities Course: 7-Hour National USPAP Update Course 2014-2015 Seminar: 2014 New England Appraisers Expo (10/6/14): Commercial Program: Functional Obsolescence. Convenience Stores: Overview, Trends and Valuation Seminar: 2013 New England Appraisers Expo (10/2013)Seminar: Financial Institutions Guide to Commercial Appraisal (2013)Seminar: Appraisal of 204 Family & Multi-Family Properties (2011)Seminar: Uniform Appraisal Dataset (UAD) Seminar (2011)Seminar: USPAP Update seminar (1999)Seminar: Environmental Issues Part I – Title V and the AppraiserSeminar: Property Inspection Techniques for the Residential AppraiserSeminar: Department of Housing & Urban Development (HUD)Seminar: Changes to the Standards: Departure and Appraisal Reporting OptionsSeminar: The New URAR FormSeminar: Real Estate Valuation and LitigationSeminar: Subdivision Planning for Appraisers (1997)
Society of Real Estate Appraisers:Seminar: Appraising Conservation EasementsSeminar: Land Planning and Residential Subdivision DevelopmentCourse 201: Principles of Income Property Valuation (1990)
Harvard University Graduate School of Design and Professional Development (2000):Seminar: Golf Course Development – Rounds, Rates, Revenues, DesignSeminar: Golf Course Development – Design Foresight and Impacts on Cost& Operating Expenses
The American Society of AppraisersCourse: SE: 100: Uniform Standards of Professional Appraisal Practice (1998)
National Association of Realtors (1991):Seminar: REALTOR Code of Ethics Training Non-CE V2 (12/2016) Course: Real Estate Analysis (1991)Course: The Basics of Appraisal, Course ICourse: Real Estate Analysis, Course IICourse: Sales Comparison Approach, Course IIICourse: Cost and Income Approaches, Course IVCourse: Appraisal Standards and Ethics, Course V
Cape Cod Community College:Seminar: Growth Management and Land Use Control on Cape Cod
The Boston Globe/Securities and Exchange CommissionSeminar: Personal Finance Conference and Expo (1999)Seminar: Real Estate Investment and Family Trusts
BUSINESS EXPERIENCE
Principal and Senior Partner, Cape Cod & Islands Appraisal Group, LLP, 1998 to present
Principal, Ross Real Estate Appraisals, Barnstable County, MA, 1992 – 1998
Robert M. Armstrong, MAI, Brewster, MA, 1992 – 2001
Paul V. O’Leary & Associates, Brewster, MA 1996 -1998
Cape Cod & Islands Appraisal Associates, Inc, Orleans, MA, 1992 – 1995
Saben and Associates, West Yarmouth, MA, 1990 – 1992
FSI Appraisal Company, Northampton, MA, 1988 – 1990
Daland & O’Leary Real Estate Appraisals, Brewster, MA 1983 – 1987
ASSOCIATE MEMBERSHIPS
Appraisal Institute, SRA Designated Member, Candidate for MAI designation
State Office of Minority and Women Business Assistance (SOWMBA) Woman Business Enterprise (WBE) Certification #531320
Appraisal Institute Minority and Women Directory of Real Estate Appraisers, 2000 – present
Massachusetts Board of Real Estate Appraisers, RA Designated Member
Boston HUD Office Roster, Registered Year 2007 – present (with exam) Registration # MA 1434; also qualified to prepare Reverse Mortgage appraisals for the HECM program
Cape Cod & Islands Board of Realtors, 2002 – present (inactive)
EXPERT WITNESS TESTIMONY
Barnstable Probate and Family CourtCounty of Barnstable
Barnstable County Superior CourtCounty of Barnstable
Essex Probate and Family CourtCounty of Essex
Superior Court of the State of CaliforniaCounty of San Mateo
LICENSE
Massachusetts Certified General Real Estate Appraiser License # 1434
FHA Registration # MA 1434
EDUCATION
Emerson College, Sussex, England, Arts and SciencesDaemen Collage, Buffalo, New York, BFA/Cum LaudeBoston University, Boston, MA, MSW/ Clinical SW/ LCSW
Appraisal Institute:Course: 7-Hour National USPAP Update Course 2016-2017 (09/30/2017)Seminar: The 50% FEMA Appraisal Rule; Webinar 032515 (9/9/17) Seminar: New England Appraisers Expo: Commercial Program: Transportation & Real Estate Synergies & Private Student Housing (10/24/2016)Course: Residential Applications: Using Technology to Measure and Support Assignment Results (5/24/16)Course: Residential Market Analysis and Highest & Best Use (12/2014 w/exam)Seminar: High Performance Energy Efficient Residential Construction (9/16/2014) Course: Residential Site Valuation and Cost Approach (10/2013 w/exam)Course: Real Estate Finance Statistics & Valuation Modeling (2013 w/exam)Course: 7-Hour National USPAP Update Course 2012-2013 (12/2012)Course: Real Estate Appraisal Operations (Online – 2011)Course: Real Estate Finance Statistics & Valuation Modeling (Online – 2011)Course: 7 Hour National USPAP Equivalent Course 2010-2011 (Online – 2011)Course: Business Practices & Ethics (Online – 2010)Course: Advanced Residential Report Writing/ Part 2 (2008)Course: Advanced Residential Applications and Case Studies/ Part 1 (2008)Course: Rates and Ratios: Making sense of GIMs, OARs, & DCF (Online – 2008)Course: 7-Hour National USPAP Equivalent Course 2008-2009 (Online – 2008)Course: Appraising Convenience Stores (Online w/case study – 2008)Course: 7-Hour National USPAP Update Course (2006)Course 550: Advanced Applications – Four Commercial Case Studies (2006)Course: Analyzing Operating Expenses (Online w/exam – 2005)Course: The Professional’s Guide to the Uniform Residential Appraisal Report(Online w/exam – 2005)Course I400: 7-Hour National USPAP Update Course (2005)Course 410: Uniform Standards of Professional Practice, Parts A & B (2004)Course 600: Income Valuation of Small, Mixed-Use Properties (2003)Course II520: Highest & Best Use and Market Analysis (2002)Course 430: Standards of Professional Practice, Part C (2000)Seminar: General Demonstration Appraisal Report Writing Seminar for the MAIDesignation (2000)Course: The FHA and the Appraisal Process (1999)Course II540: Report Writing and Valuation Analysis (1999)Course: New Industrial Valuation (1998)Course : Condominium Analysis and Project Valuation (1989)Course 420: Standards of Professional Practice Part BCourse 410: Standards of Professional Practice Part ACourse 202: Applied Income Property Valuation (1991)Course 101: Introduction to Appraising Real Property (1991)
American Society of Farm Managers and Rural AppraisersSeminar: Uniform Appraisal Standards for Federal Land Acquisitions“Yellow Book” Seminar (2004)
Massachusetts Board of Real Estate Appraisers:Seminar: 2018 New England Appraisers Expo: Commercial Program Course Approval #580032 Seminar: 2017 New England Appraisers Expo: Commercial Program Course Approval #580019 Course: 7-Hour National USPAP Update Course 2018-2019 (12/6/2017) Seminar: 2015 New England Appraisers Expo (10/19/15) Commercial Program: Innovative Regional Development in the Downtown Boston / Seaport Area and Innovative Regional Development Outside the Urban and Suburban Areas Course: Supervising the Trainee Appraiser: National Regulations and Responsibilities Course: 7-Hour National USPAP Update Course 2014-2015 Seminar: 2014 New England Appraisers Expo (10/6/14): Commercial Program: Functional Obsolescence. Convenience Stores: Overview, Trends and Valuation Seminar: 2013 New England Appraisers Expo (10/2013)Seminar: Financial Institutions Guide to Commercial Appraisal (2013)Seminar: Appraisal of 204 Family & Multi-Family Properties (2011)Seminar: Uniform Appraisal Dataset (UAD) Seminar (2011)Seminar: USPAP Update seminar (1999)Seminar: Environmental Issues Part I – Title V and the AppraiserSeminar: Property Inspection Techniques for the Residential AppraiserSeminar: Department of Housing & Urban Development (HUD)Seminar: Changes to the Standards: Departure and Appraisal Reporting OptionsSeminar: The New URAR FormSeminar: Real Estate Valuation and LitigationSeminar: Subdivision Planning for Appraisers (1997)
Society of Real Estate Appraisers:Seminar: Appraising Conservation EasementsSeminar: Land Planning and Residential Subdivision DevelopmentCourse 201: Principles of Income Property Valuation (1990)
Harvard University Graduate School of Design and Professional Development (2000):Seminar: Golf Course Development – Rounds, Rates, Revenues, DesignSeminar: Golf Course Development – Design Foresight and Impacts on Cost& Operating Expenses
The American Society of AppraisersCourse: SE: 100: Uniform Standards of Professional Appraisal Practice (1998)
National Association of Realtors (1991):Seminar: REALTOR Code of Ethics Training Non-CE V2 (12/2016) Course: Real Estate Analysis (1991)Course: The Basics of Appraisal, Course ICourse: Real Estate Analysis, Course IICourse: Sales Comparison Approach, Course IIICourse: Cost and Income Approaches, Course IVCourse: Appraisal Standards and Ethics, Course V
Cape Cod Community College:Seminar: Growth Management and Land Use Control on Cape Cod
The Boston Globe/Securities and Exchange CommissionSeminar: Personal Finance Conference and Expo (1999)Seminar: Real Estate Investment and Family Trusts
BUSINESS EXPERIENCE
Principal and Senior Partner, Cape Cod & Islands Appraisal Group, LLP, 1998 to present
Principal, Ross Real Estate Appraisals, Barnstable County, MA, 1992 – 1998
Robert M. Armstrong, MAI, Brewster, MA, 1992 – 2001
Paul V. O’Leary & Associates, Brewster, MA 1996 -1998
Cape Cod & Islands Appraisal Associates, Inc, Orleans, MA, 1992 – 1995
Saben and Associates, West Yarmouth, MA, 1990 – 1992
FSI Appraisal Company, Northampton, MA, 1988 – 1990
Daland & O’Leary Real Estate Appraisals, Brewster, MA 1983 – 1987
ASSOCIATE MEMBERSHIPS
Appraisal Institute, SRA Designated Member, Candidate for MAI designation
State Office of Minority and Women Business Assistance (SOWMBA) Woman Business Enterprise (WBE) Certification #531320
Appraisal Institute Minority and Women Directory of Real Estate Appraisers, 2000 – present
Massachusetts Board of Real Estate Appraisers, RA Designated Member
Boston HUD Office Roster, Registered Year 2007 – present (with exam) Registration # MA 1434; also qualified to prepare Reverse Mortgage appraisals for the HECM program
Cape Cod & Islands Board of Realtors, 2002 – present (inactive)
EXPERT WITNESS TESTIMONY
Barnstable Probate and Family CourtCounty of Barnstable
Barnstable County Superior CourtCounty of Barnstable
Essex Probate and Family CourtCounty of Essex
Superior Court of the State of CaliforniaCounty of San Mateo