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CAPABILITY PROFILE Adelaido Gonzales, MBA, MSA Southmost Realty, Appraisals, & Court Expert Witness Texas State Certified General Appraiser #TX-1325670-G Texas State Real Estate Broker #0187190 NAICS No. 531320 and 531390 DUNS No. 153340893 NRDS ID No. 824018311 FEDERAL ID. 09-9746955 Southmost Realty, Appraisals, & Consultants: For any real estate related matters such as certified appraisals, purchase decisions, selling, litigation issues, divorce value disputes. etc. We deal with residential, commercial, and/or general real estate consulting services. (956) 412-1357 or (210) 322-0297 Adelaido Lalo Gonzales, MBA Education INSTITUTION TYPE OF DEGREE
San Benito High School High school diploma Texas A & M University College Station Two-year study-business University of Texas Austin Bachelor’s in Business Administration (BBA; Finance) Texas Southmost College Associates degree in Real Estate
Texas Southmost College 90% - Associate Degree in Construction University of Texas Austin - Master’s in Business Red McCombs School of Business Administration (Class of 1990- MBA Graduate) Emerging Leaders SBA-Mini-MBA program Mini-MBA Graduate (10/22/2019 Year Program for the year 2019)
Associations (Past and Present) Alpha Kappa PSI Fraternity Society for the Advancement of Management International Prison Fellowship Professional Organizations MAI candidate at the Appraisal Institute – (not currently a candidate) National Association of Master Appraisers – Master Senior Appraiser Texas Real Estate Association of Realtors National Real Estate Association National Board of Realtors Multiple Listing Service (MLS) – Several Counties National Association of Master Appraisers, Member License / Certifications (Current) *State Certified General Real Estate Appraiser #TX - 1325670 - G Texas Licensed Real Estate Broker #187190 *Note: Certified General Appraisers can perform both residential and commercial properties with no value restrictions. Licenses (Previous) Notary Public -- State of Texas Texas Insurance Group License Foreigh Language Fluency Read, write, and understand Spanish and Tex-Mex lingo Municipalities in which Real Estate Assignments have been performed for: City of Harlingen / condemnation proceedings City of Los Fresnos City of Rio Hondo City of San Benito / condemnation proceedings City of Combes / condemnation proceedings City of McAllen City of Mercedes City of Roma / condemnation proceedings City of Cotulla / condemnation proceedings School Districts in which Real Estate Assignments have been performed for: Harlingen C.I.S.D Hidalgo C.I.S.D San Benito C.I.S.D Progresso C.I.S.D Government and Quasi-Government Registrations /Approvals Adjutant General's Department - Texas Army National Guard Fannie Mae Mortgage Screen Entry Approved Federal Housing Administration - Fee Appraiser Panel / CHUMS #1337 Freddie Mac Mortgage Screen Entry Approved U. S. Federal Registry U.S. Department of Housing and Urban Development U.S. Department of Justice U.S. Marshals U.S. Social Security Administration Texas Commission on Environmental Quality (EPA) Texas Veterans / General Land Board - Fee Panel Appraiser Attorneys/Courts in which Real Estate Assignments have been performed for:
Accountants / CPA’s for which Real Estate Assignments have been performed for: Arturo Palacios A Palacios Management Consultants 6901 N Cynthia St McAllen, TX 78504 Phone: (956) 664-0073 Fred Garza STMS Income Tax
Phone: (956) 428-6945 RECENT SEMINARS / TRAINING ATTENDED DECEMBER 2, 1992 MCE Keeping Current with Texas Real Estate, 15 hours May 22 – 29, 1994 Weeklong Executive Seminars at Barton Creek Executive Conference Center by University of Texas at Austin - MBA Executive Program - Multitude of speakers on subjects such as: International Trade and Impact of Land Valuations; Finance; Databases; Negotiation Skills; N.A.F.T.A. (North American Free Trade Agreement) August 3, 1994 U. S. Department of Housing and Urban Development Workshop in San Antonio, Texas September 21, 1994 Uniform Standards of Professional Appraisal Practice 'Update' in San Antonio, Texas by Mr. Hoachim, Executive Director of National Association of Master Appraisers 1994 VA Seminar by William d. Newton, Chief of Construction and Valuation of VA Loan Underwriting and Appraisers East Texas Baptist University; Appraisal Standards and Ethics MCE Keeping Current with Texas Real Estate 1993, 15 hours 1995 American College of Real Estate; 30 hours training update on appraising course #0221 in San Antonio, Texas and approved by Texas Real Estate Commission. 1996 FHA Seminar in Harlingen, Texas; FHA Appraisals & Single-Family Valuations; FHA, San Antonio Office; Speakers: David Skurka & Celia Kiger appraisal - Residential, 30 hours 1997 U. S. Department of Housing and Urban Development - FHA Seminar (multitude of subjects) - Finance, Appraising, etc. Investment 1, 30 hours
1999 Appraisal - Commercial 30 hours 2001 National Uniform Standards of Professional Appraisal 15 hours Lincoln Graduate Center, National Association of Master Appraisers National USPAP Course Appraisal Institute - Residential Property Construction and Inspection Appraisal Institute - Internet Search Strategies for R.E. Appraiser 2003 Computaught National USPAP 14 hours Environmental Issues in Your Real Estate Practice 6 hours Red Flags Inspection Guide 6 hours Property Management and Managing Risk 6 hours
2004 USPAP Course with Exam 15 hours 2005 Farm & Land Appraisal 15 hours 2008 Keeping Current with Texas Real Estate
Legal Update and Ethics Course 2009 USPAP Course Update 7 hours FHA & VA Appraisal Basics 7 hours Mortgage Fraud: A Dangerous Business 7 hours Income Approach: An Overview 7 hours 2011 Texas Ethics MCE 2010 3 hours Texas MCE Legal 2010 3 hours Texas Statutory Contacts 9 hours Private Appraisal Assignments 7 hours The Cost Approach 7 hours The Dirty Dozen 3 hours REO and Foreclosures 5 hours 2010-2011 National USPAP update equivalent 7 hours 2013 2012-2013 National USPAP Update Course 7 hours Appraising FHA Today 7 hours Risky Business: Ways to Minimize Your Liability (with Audio and Video) 5 hours Residential Appraisal Review 7 hours Essential Elements of Disclosures and Disclaimers 5 hours 2014 MCE Legal Update 3 hours MCE Ethics 3 hours MCE Broker Responsibility 6 hours National Marketing, Negotiations and Closing the Sale 3 hours 2015 2014-2015 National USPAP Update Course 7 hours Essential Elements of Disclosures and Disclaimers 5 hours Land and Site Valuation 7 hours The NEW FHA Handbook 4000.1 7 hours Managing Appraiser Liability 6 hours 2016 The Ethics of Technology for the Age of Engage 4 hours Broker Responsibility 6 hours TREC Legal Update 1 4 hours TREC Legal Update 2 6 hours 2017 Introduction to Expert Witness Testimony for Appraisers 4 hours A Review of Disciplinary Cases 3 hours 2016-2017 – 7 Hour National USPAP Update Course 7 hours Supporting You Adjustments: Methods for Residential 3 hours Residential Property Inspection for Appraisers 7 hours Fannie Mae Appraisal guidelines: Debunking the Myths 4 hours 2018 Deceptive Advertising! Not Me, I Don’t Think? 4 hours Broker Responsibility Course 6 hours Legal Update I 4 hours Legal Update I1 4 hours EXPERIENCE REFERENCES
Nemecio Lopez Attorney at Law 1314 East Harrison Ave. Harlingen, TX 78550 (956) 425-9554 Raul A. Guajardo Attorney at Law 706 E University Dr. Edinburg, TX 78539 (956) 686-1977 Office John M. Garcia Lead Real Estate Agent AEP Texas 539 North Carancahua Corpus Christi, TX 78401 (361) 881-5849 Office
PERSONAL & PROFESSIONAL REFERENCES
RioPlex Appraisals Ian Martinez, Appraiser Appraisal Firm 1314 Ridgewood Circle Pharr, TX 78577 (956) 463-2097
197 District Court – Former District Court Judge (Previous) Honorable Migdalia Lopez 574 East Harrison Brownsville, TX 78520 (956) 574-8150 Juan Angel Guerra, Formal District Attorney (Previous) Willacy County District Attorney Marte Guillen Assistant District Attorney 546 W. Hidalgo Raymondville, TX 78580 (956) 778-9768 AREA OF APPRAISAL ACTIVITY
ALL CITIES WITHIN DATA RESOURCES: THE FOLLOWING COUNTIES: Cameron County builders, realtors, contractors, mortgage investors, appraisers, MLS Hidalgo County builders, realtors, contractors, mortgage investors, appraisers, MLS Willacy County builders, realtors, contractors, mortgage investors, appraisers, Starr County builders, realtors, contractors, mortgage investors, appraisers, Bexar County builders, realtors, contractors, mortgage investors, appraisers, MLS Webb County builders, realtors, contractors, mortgage investors, appraisers, MLS Zapata County builders, realtors, contractors, mortgage investors, appraisers, ADDITIONAL INFORMATION REGARDING THE EXPERIENCE OF APPLICANT This appraiser has been familiar with the area moreover; this appraiser has been involved full time in the real estate business for many years. This familiarity and real estate experience are factored into this report. This familiarity and real estate experience is a competitive advantage. additional sources to our extensive database consist of “review appraisals” that we do, as well as several non-MLS real estate agents that our office has been involved in, all options (radius, time-frame, sources, etc) will be considered in the search for comparable sales. Additionally, appraiser has an alliance of cooperating appraisers that assist in providing additional information on non-published sales in addition to sharing professional knowledge and research. This enhances the work product of appraiser when additional data and collaboration is appropriate. Member of the following Appraisal Management Company (AMC) Panel(s) DataQuick Lending Solutions Inc. TX License No. 2000006 AMC Links LLC. TX License No. 2000037 Solidifi US Inc. TX License No. 2000060 Xome Valuation Services, LLC TX License No. 2000086 InHouse Inc. TX License No. 2000141 Nations Valuation Services Inc. TX License No. 2000063 ACT Appraisal Inc. TX License No. 2000031 Amrock Inc. TX License No. 2000034 Xome Settlement Services, LLC TX License No. 2000134 Old Republic Diversified Services TX License No. 2000033 Nationwide Appraisal Network LLC. TX License No. 2000065 First Valuation Services LLC. TX License No. 2000185
Murcor Inc. TX License No. 2000021 Tennessee Appraisal Management Co. LLC. TX License No. 2000122 Epic Real Estate Solutions Inc. TX License No. 2000061
Appraisals 2 U LLC. TX License No. 2000081
Real Estate Valuation Partners LLC. TX License No. 2000028 Axios Valuation Solutions LLC. TX License No. 2000119 Tulips Appraisal Management Inc. TX License No. 2000118 Epic Appraisal Solutions Inc. TX License No. 2000205 Class Appraisals TX License No. 2000039 MyAmc, LLC TX License No. 2000076 Priority Services, Inc. TX License No. 2000231 Frisco Lender Services, LLC. TX License No. 200051 SWBC Lending Solutions, LLC TX License No. 200210 Apex Appraisal Service, LLC TX License No. 200232 Nationwide Property & Appraisal Services, LLC TX License No. 200004 Managed Appraisal service, Inc. TX License No. 200245 Valuation Connect, LLC TX License No. 200058 Approved by a Multitude of Financial Investors such as (but not limited to): Coley Mortgage 21st Century Mortgage Aames Funding Corporation Aames Home Loan ABC Management AbnamPRO Absolute Mortgage Accurate Mortgage Advanced Collateral Solutions Advance Funding Advantage Investors Mortgage Aetheles LLC, DBA AmeriNetAim/Invision Mortgage Airforce Federal Credit Union Alamo Bank of Texas All State Appraisal Review Alliance Appraisal Management Allegro Mortgage Services Allied Home Mortgage Capital Americas Informat Inc. Americas Moneyline Inc. America’s Wholesale Lender American General Finance American General Financial American Home Loans American Home Mortgage American Mortgage AmeriMortgage Group Ameriquest Mortgage Company Andy Cortez Realty Enterprises Apex Lending-Harlingen, TX Apex Lending-Dallas, TX Appraisal Bank Appraisal Enhancement Services AppraisalPort Appraisal Management Company Appraisers Across America Argent Mortgage CompanyArmadillo Homes Asset Management Associates National Mortgage Assurance Mortgage of Texas Atlantic Assurance Aurora Loan Services Axiom Financial Services Banchs Financial Group Bank of America Benchmark Lending Benchmark Mortgage Best Rate Mortgage BPO Direct Broad Street Mortgage C. S. Mortgage Cabrera’s International Cameron County District Attorney Capital Funding Group Capital Funding Mortgage Capital Loan Associates Capital Plus Mortgage Company Carolina Mortgage Group Inc. CDC North America Celco Mortgage Centerbank Mortgage Centex Home Equity Central Processing Center Century Financial Services, LLC CFG/Diversified Charter Funding Chase Manhattan Mortgage CITI CitiFinancial CitiMortgage Citinet Mortgage City Mortgage City National Bank CityMortgage Citywide Financial Clarity Mortgage Services Coastal Banc Coastal National Mortgage Coldwell Banker Bank Coley Mortgage Commerce Title Company Community America Credit Union Community Mortgage CompuFund Mortgage Company Community Lending Concorde Acceptance Conseco Finance Corp. Cornerstone Mortgage Correspondent Leading Countrywide Funding Country Wide Home Loans Coventry Mortgage Cowen Funding Services Creative Mortgage Co. Crest Mortgage Company CRG Valuations Credit Risk Solutions Dallas Home Loan Department of Justice Dana Capital Del Sol Home Construction DFW Group Diamond Mortgage Dimension Mortgage Direct Equity Mortgage Direct Lending Ditech.com Downey Savings and Loan DRI Title & Escrow E-Loan Appraisal Team East to West Mortgage Enterprise Mortgage Entrust Mortgage EquiCredit ESI Mortgage Eventus Inspections Express Financial Services Express Mortgage Extraco Mortgage Fairway Mortgage Faith Mortgage Famaz, Co Financial Services Fidelity Fannie Mae Fidelity One Fieldstone Mortgage Finance America Financial Asset Services, Inc. Finfancial Demensions First Bank of Los Fresnos First Choice Lenders First Colony Financial First Consolidated Mortgage First Equity Corp First Franklin Financial First Greensboro Home Equity First Horizon Home Loans First Houston Appraisal First Magnus Financial First National Bank First National Bank of Scottsdale Firstplus Freedom First Plus Funding First Source Financial First United Mortgage Brokers First Valley Mortgage Five Brothers Mortgage Fleetwood Mortgage Fox Funding, Inc. Frant Square Financial Frontera Mortgage, Inc. Full Spectrum G. E. Mortgage General Mortgage GMAC Mortgage Corporation Gold Financial Services Great Financial Bank Greenlight Financial Services Greenpoint Mortgage Guaranty Residential Lending GWG Mortgage Harlingen National Bank Harlingen National Bank Mortgage Hernandez Construction Home Capital, Inc. Home Focus Valuation Services Homebound Mortgage Home Help Center, L.L.C. / Real Homesite Mortgage Homecomings Financial Homefocus L.L.C. Homes of America Homeside Lending-Dallas, TX Hometown Mortgage Hope Mortgage Diamond Mortgage Houston City Mortgage IFS Mortgage Independent Financial Independent Mortgage Indy Mac Bank Inter National Bank International Bank of Commerce Interplex Mortgage Co. Invasion Mortgage Iway Loan J & J Investments JBL Enterprises Kellner Mortgage Key Mortgage L.C. Mortgage Land America Default Services Landsafe Appraisal Services Laredo National Bank LC Mortgage Lehman Brothers Liberty Financial Services Liberty Mortgage Co. Link Mortgage Loanstream Corporate Loan Star Lenders Lone Star National Bank LSI/Lender Services Inc. M.C.O. Mortgage Mainland Home Loans Mainsource Mortgage Marder and Associates Matchmaker Mortgage MBI Mortgage MBNA America McAfee Mortgage McAllen Mortgage McKeever Ent. Inc. DBSA American MCO Construction MCO Mortgage Med Mortgage MDA Lending Solutions Megamerica DBA America Premier Meir Mortgage Memorial Park Mortgage Merrill Lynch Mid Americe Mortgage Monument Financial Services Mortgage Select Co. Mortgage Services Mortgage Shoppers Corporation Mortgages Direct My Mortgage Option Navy Federal Credit Union National City Mortgage National Credit Home Equity Services National Mortgage Lenders Nations Banc Mortgage Corp. Nations Valuation Services Nationwide Appraisals and Title Nationwide Family Mortgage Navy Federal Credit Union New Century Mortgage Nexstar Financial Services Non-Profit Resource Housing Group North America Mortgage Norwest Mortgage Novastar Home Mortgage NTFN, Inc. Olympic Funding/Process Omega Mortgage Option One Mortgage Orion Mortgage Pacific Guarantee Mortgage Pan Am Construction PCV Murcor Precision Mortgage Group Premier Nationwide Lending Prime Lending Primera Mortgage Principal Residential Mortgage Profolio Home Mortgage Quality Assurance Review Co. Prudential Home Mortgage QARC Quotemearate.com Quantix R.T. Minor Mortgage Remax International Relocation Realink Reliable Mortgage REM Residential Mortgage Corp. Residential Real Estate Review Rio Grande Mortgage, Inc. Riverway Mortgage Company RTM Funding San Benito Bank & Trust Co. Sante Fe Financial Services, LLC SARMA Seal Construction Sebring Capital Corporation Secure Mortgage Select Funding, Inc. Settle Appraisal Services, Inc. Sib Mortgage Corp. Signature Lending Corp. Southern Lending Corporation Southwestern Mortgage Company Spinner Mortgage State Farm Success Investments Summit Mortgage Sunset Mortgage Co. L.P. Tena Companies Texas Bank & Trust Texas Community Mortgage Texas First Choice Mortgage Texas State Bank Texas State Home Loans, Inc. Texas Tropical Center MHMR Texas Veterans Land Board The Accu Prime Group The Money Outlet The Mortgage Line The Mortgage Market The Mortgage Outlet The Mortgage Warehouse Texas Military Forces, Austin Texas Department of Transportation TIB Mortgage Company The Town and Country Mortgage T.J. Wingatge, Attorney U.S. Bank U.S. Department of Social Security U.S. Marshal Service U.S. Home Exchange U.S. Property & Appraisal U.S. Real Estate Services, Inc. UAMC United Lending Group United Security Mortgage U.S. Department of Agriculture Upland Mortgage USA Home Lending Corp. USA Mortgage USDA – RECD Valley Federal Credit Union Valley Home Equity Vision Bookkeeping Wall Street Mortgage Washington Mutual Finance Waterfield Financial Weichert Financial Services-Wayne Wells Fargo Financial Wells Fargo Home Mortgage Weyerhaeuser Mortgage Co. Dr. David A. Woolweaver, D.D.S., M.S.D.
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