QUALIFICATIONS OF HEATHER J ROSS, MRA, SRA, RA
OWNER & PRINCIPALCape Cod & Islands Appraisal Group, LLPPlymouth County Appraisal Group3311 Main Street, Barnstable, MA 02630Mailing Address: P.O. Box 545, Barnstable, MA 02630Established 1998 PROFESSIONAL DESIGNATIONSMassachusetts Board of Real Estate AppraisersMRA Member, designated December 14, 2018RA Member, designated July 20, 2016Appraisal InstituteSRA Member, designated February 16, 2015 LICENSEMassachusetts Certified General Real Estate Appraiser License # 1434, Expires 11/26/2023FHA Registration # MA 1434 EDUCATIONEmerson College, Sussex, England, Arts and SciencesDaemen Collage, Buffalo, New York, BFA/Cum LaudeBoston University, Boston, MA, MSW/ Clinical SW/ LCSWAppraisal Institute:Seminar: The 50% FEMA Appraisal Rule Seminar (6/07/2022)Seminar: Fundamentals of the Uniform Appraisal Standards for Federal Land Acquisitions“Yellow Book” (5/30/2022)Seminar: Historic Preservation Easements: Appraisal Techniques and Valuation (2/10/2022)Course: The Discounted Cash Flow Model: Concepts, Issues, and Applications (10/30/2021)Seminar: Economic Outlook and Real Estate Trends 2021 (02/23/2021)Course: Appraising Condos, Co‐Ops, and PUDs (02/22/2021)Course: Business Practices & Ethics (2021)Course: Small Hotel/ Motel Valuation (10/30/2019)1State certified general real estate appraisers may appraise all types of real property. Regulatory Authority: 264 CMR 6.00(Promulgated 6/28/96); MGL c13, s92; MGL c112, § 173-195.
Cape Cod & Islands Appraisal Group, LLPCourse: 7‐Hour National USPAP Update Course 2016‐2017 (9/30/2017)Seminar: The 50% FEMA Appraisal Rule; Webinar (9/9/2017)Seminar: 2016 New England Appraisers Expo: Commercial ProgramCourse: Residential Applications: Using Technology to Measure and Support Assignment Results(5/24/2016)Course: Residential Market Analysis and Highest & Best Use (12/2014 w/exam)Seminar: High Performance Energy Efficient Residential Construction: Industry Perspectives(9/16/2014)Course: Residential Site Valuation and Cost Approach (2013 w/exam)Course: Real Estate Finance Statistics & Valuation Modeling (2013 w/exam)Course: 7‐Hour National USPAP Update Course 2012‐2013 (2012)Course: Real Estate Appraisal Operations (2011)Course: Real Estate Finance Statistics & Valuation Modeling (2011)Course: 7 Hour National USPAP Equivalent Course 2010‐2011 (2011)Course: Business Practices & Ethics (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 (2008)Course: 7‐Hour National USPAP Equivalent Course 2008‐2009 (2008)Course: Appraising Convenience Stores (2008)Course: 7‐Hour National USPAP Update Course (2006)Course 550: Advanced Applications – Four Commercial Case Studies (2006)Course: Analyzing Operating Expenses (2005)Course: The Professional’s Guide to the Uniform Residential Appraisal Report (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; MAI Designation (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 AppraisersCourse: Uniform Appraisal Standards for Federal Land Acquisitions “Yellow Book” (2004)Massachusetts Board of Real Estate Appraisers:Seminar: 7‐Hour National USPAP Update Seminar 2022‐2023 (01/13/2022)Seminar: 2021 New England Appraisers Expo: Commercial & Residential ProgramCourse: 7‐Hour National USPAP Update Course 2020‐2021 (12/04/2019)Seminar: 2019 New England Appraisers Expo: Commercial ProgramSeminar: 2018 New England Appraisers Expo: Commercial ProgramSeminar: 2017 New England Appraisers Expo: Commercial ProgramCourse: 7‐Hour National USPAP Update Course 2018‐2019 (12/06/2017)Seminar: 2015 New England Appraisers Expo: Commercial ProgramCourse: Supervising the Trainee Appraiser: National Regulations and Responsibilities (2/3/2015)
Cape Cod & Islands Appraisal Group, LLP
Course: 7‐Hour USPAP Update Course 2014‐2015Seminar: 2014 New England Appraisers Expo: Commercial ProgramSeminar: 2013 New England Appraisers Expo: Commercial ProgramSeminar: 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 ExpensesThe American Society of AppraisersCourse: SE: 100: Uniform Standards of Professional Appraisal Practice (1998)National Association of Realtors:Seminar: REALTOR Code of Ethics Training Non‐CE V2 (12‐2016 & 12‐2021)Course: Real Estate Analysis (1991)Course: The Basics of Appraisal, Course I (1991)Course: Real Estate Analysis, Course II (1991)Course: Sales Comparison Approach, Course III (1991)Course: Cost and Income Approaches, Course IV (1991)Course: Appraisal Standards and Ethics, Course V (1991)Cape Cod Community College:Seminar: Growth Management and Land Use Control on Cape CodThe Boston Globe/Securities and Exchange CommissionSeminar: Personal Finance Conference and Expo (1999)Seminar: Real Estate Investment and Family Trusts (1999)
Cape Cod & Islands Appraisal Group, LLP
BUSINESS EXPERIENCEPrincipal and Senior Partner, Cape Cod & Islands Appraisal Group, LLP, 1998 to presentPrincipal, Ross Real Estate Appraisals, Barnstable County, MA, 1992 – 1998Robert M. Armstrong, MAI, Brewster, MA, 1992 – 2001Paul V. O’Leary & Associates, Brewster, MA 1996 ‐1998Cape Cod & Islands Appraisal Associates, Inc, Orleans, MA, 1992 ‐ 1995Saben and Associates, West Yarmouth, MA, 1990 ‐ 1992FSI Appraisal Company, Northampton, MA, 1988 – 1990Daland & O’Leary Real Estate Appraisals, Brewster, MA 1983 ‐ 1987 ASSOCIATE MEMBERSHIPSMassachusetts Board of Real Estate Appraisers, MRA and RA Designated MemberAppraisal Institute, SRA Designated MemberState Office of Minority and Women Business Assistance (SOWMBA) Woman Business Enterprise (WBE)Certification #531320Appraisal Institute Minority and Women Directory of Real Estate Appraisers, 2000 ‐ presentBoston HUD Office Roster, Registered Year 2007 – present (with exam) Registration # MA 1434; alsoqualified to prepare Reverse Mortgage appraisals for the HECM programCape Cod & Islands Board of Realtors, 2002 – present (inactive) EXPERT WITNESS TESTIMONYBarnstable Probate and Family Court Barnstable County Superior CourtCounty of Barnstable County of BarnstableSuperior Court of the State of California Essex Probate and Family CourtCounty of San Mateo County of Essex
OWNER & PRINCIPALCape Cod & Islands Appraisal Group, LLPPlymouth County Appraisal Group3311 Main Street, Barnstable, MA 02630Mailing Address: P.O. Box 545, Barnstable, MA 02630Established 1998 PROFESSIONAL DESIGNATIONSMassachusetts Board of Real Estate AppraisersMRA Member, designated December 14, 2018RA Member, designated July 20, 2016Appraisal InstituteSRA Member, designated February 16, 2015 LICENSEMassachusetts Certified General Real Estate Appraiser License # 1434, Expires 11/26/2023FHA Registration # MA 1434 EDUCATIONEmerson College, Sussex, England, Arts and SciencesDaemen Collage, Buffalo, New York, BFA/Cum LaudeBoston University, Boston, MA, MSW/ Clinical SW/ LCSWAppraisal Institute:Seminar: The 50% FEMA Appraisal Rule Seminar (6/07/2022)Seminar: Fundamentals of the Uniform Appraisal Standards for Federal Land Acquisitions“Yellow Book” (5/30/2022)Seminar: Historic Preservation Easements: Appraisal Techniques and Valuation (2/10/2022)Course: The Discounted Cash Flow Model: Concepts, Issues, and Applications (10/30/2021)Seminar: Economic Outlook and Real Estate Trends 2021 (02/23/2021)Course: Appraising Condos, Co‐Ops, and PUDs (02/22/2021)Course: Business Practices & Ethics (2021)Course: Small Hotel/ Motel Valuation (10/30/2019)1State certified general real estate appraisers may appraise all types of real property. Regulatory Authority: 264 CMR 6.00(Promulgated 6/28/96); MGL c13, s92; MGL c112, § 173-195.
Cape Cod & Islands Appraisal Group, LLPCourse: 7‐Hour National USPAP Update Course 2016‐2017 (9/30/2017)Seminar: The 50% FEMA Appraisal Rule; Webinar (9/9/2017)Seminar: 2016 New England Appraisers Expo: Commercial ProgramCourse: Residential Applications: Using Technology to Measure and Support Assignment Results(5/24/2016)Course: Residential Market Analysis and Highest & Best Use (12/2014 w/exam)Seminar: High Performance Energy Efficient Residential Construction: Industry Perspectives(9/16/2014)Course: Residential Site Valuation and Cost Approach (2013 w/exam)Course: Real Estate Finance Statistics & Valuation Modeling (2013 w/exam)Course: 7‐Hour National USPAP Update Course 2012‐2013 (2012)Course: Real Estate Appraisal Operations (2011)Course: Real Estate Finance Statistics & Valuation Modeling (2011)Course: 7 Hour National USPAP Equivalent Course 2010‐2011 (2011)Course: Business Practices & Ethics (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 (2008)Course: 7‐Hour National USPAP Equivalent Course 2008‐2009 (2008)Course: Appraising Convenience Stores (2008)Course: 7‐Hour National USPAP Update Course (2006)Course 550: Advanced Applications – Four Commercial Case Studies (2006)Course: Analyzing Operating Expenses (2005)Course: The Professional’s Guide to the Uniform Residential Appraisal Report (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; MAI Designation (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 AppraisersCourse: Uniform Appraisal Standards for Federal Land Acquisitions “Yellow Book” (2004)Massachusetts Board of Real Estate Appraisers:Seminar: 7‐Hour National USPAP Update Seminar 2022‐2023 (01/13/2022)Seminar: 2021 New England Appraisers Expo: Commercial & Residential ProgramCourse: 7‐Hour National USPAP Update Course 2020‐2021 (12/04/2019)Seminar: 2019 New England Appraisers Expo: Commercial ProgramSeminar: 2018 New England Appraisers Expo: Commercial ProgramSeminar: 2017 New England Appraisers Expo: Commercial ProgramCourse: 7‐Hour National USPAP Update Course 2018‐2019 (12/06/2017)Seminar: 2015 New England Appraisers Expo: Commercial ProgramCourse: Supervising the Trainee Appraiser: National Regulations and Responsibilities (2/3/2015)
Cape Cod & Islands Appraisal Group, LLP
Course: 7‐Hour USPAP Update Course 2014‐2015Seminar: 2014 New England Appraisers Expo: Commercial ProgramSeminar: 2013 New England Appraisers Expo: Commercial ProgramSeminar: 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 ExpensesThe American Society of AppraisersCourse: SE: 100: Uniform Standards of Professional Appraisal Practice (1998)National Association of Realtors:Seminar: REALTOR Code of Ethics Training Non‐CE V2 (12‐2016 & 12‐2021)Course: Real Estate Analysis (1991)Course: The Basics of Appraisal, Course I (1991)Course: Real Estate Analysis, Course II (1991)Course: Sales Comparison Approach, Course III (1991)Course: Cost and Income Approaches, Course IV (1991)Course: Appraisal Standards and Ethics, Course V (1991)Cape Cod Community College:Seminar: Growth Management and Land Use Control on Cape CodThe Boston Globe/Securities and Exchange CommissionSeminar: Personal Finance Conference and Expo (1999)Seminar: Real Estate Investment and Family Trusts (1999)
Cape Cod & Islands Appraisal Group, LLP
BUSINESS EXPERIENCEPrincipal and Senior Partner, Cape Cod & Islands Appraisal Group, LLP, 1998 to presentPrincipal, Ross Real Estate Appraisals, Barnstable County, MA, 1992 – 1998Robert M. Armstrong, MAI, Brewster, MA, 1992 – 2001Paul V. O’Leary & Associates, Brewster, MA 1996 ‐1998Cape Cod & Islands Appraisal Associates, Inc, Orleans, MA, 1992 ‐ 1995Saben and Associates, West Yarmouth, MA, 1990 ‐ 1992FSI Appraisal Company, Northampton, MA, 1988 – 1990Daland & O’Leary Real Estate Appraisals, Brewster, MA 1983 ‐ 1987 ASSOCIATE MEMBERSHIPSMassachusetts Board of Real Estate Appraisers, MRA and RA Designated MemberAppraisal Institute, SRA Designated MemberState Office of Minority and Women Business Assistance (SOWMBA) Woman Business Enterprise (WBE)Certification #531320Appraisal Institute Minority and Women Directory of Real Estate Appraisers, 2000 ‐ presentBoston HUD Office Roster, Registered Year 2007 – present (with exam) Registration # MA 1434; alsoqualified to prepare Reverse Mortgage appraisals for the HECM programCape Cod & Islands Board of Realtors, 2002 – present (inactive) EXPERT WITNESS TESTIMONYBarnstable Probate and Family Court Barnstable County Superior CourtCounty of Barnstable County of BarnstableSuperior Court of the State of California Essex Probate and Family CourtCounty of San Mateo County of Essex