Richard Hagar Profile

RICHARD J. HAGAR, SRA

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Summary of Qualifications / Appraisal:

• Certified (Licensed) Residential Real Estate Appraiser -Since 1989 – Residential/120
• SRA designation with the Appraisal Institute-Since 1993
• SRA review appraiser (past) for the Appraisal Institute
• Past, Secretary for the Appraisal Institute (Seattle Chapter)
• Past Education Chair for the Appraisal Institute (Seattle Chapter)
• Regional Member (past), Ethics & Counseling Panel for the Appraisal Institute
• On the approved lender list with more than 75 different lenders.
• Involved with the appraisal of 10,000± homes through out King, Pierce, and Snohomish Counties.
• State of Washington approved class instructor for: • Real Estate Appraising • Real Estate Fraud • Sales • Market trends • Principles & Practices • Construction and Land Use • Business Opportunities, and • Use of Computers and other Technologies.
• Creator of educational class for SRA and MAI members of the Appraisal Institute, licensed appraisers and agents.
• Lecturer, & Instructor at Seattle Community College, classes in: real estate appraisal and investment – Since 2002
• Review appraiser – reviewing work for lenders and directly overseeing work for six+ appraisers – Since 1989
• Owner of American Home Appraisals- Since 1989
• Provider of appraisals, concerning complex properties, lending purposes, court testimony and insurance companies
• Provider of expert witness testimony; instruction and case study for law students at the University of Washington
• Expert witness, Federal Court and Superior Court for the States of Washington and Colorado.
• Testified before Washington State’s Senate and House concerning the appraisal, and the mortgage industries 1992, 94, 97, 2006

Summary of Qualifications / Real Estate Sales:

• Licensed real estate agent since 1976
• Million+ dollar sales agent 1979 thru 1982. Involved with more than 63 sales transactions per year, in successive years.
• Rated in the top 5% of all residential real estate agents in the Western United States.
• Primary focus was selling homes and condominiums to first time home buyers.
• Plat manager (670 and 89 lot subdivisions) selling new construction in North Bend and Redmond.

Summary of Qualifications / Real Estate Other:

• Author, Real Estate-Advisor. Portions of the book are being individually sold on the Internet.
• Author, Real Estate Investment – The Eight Step Plan Towards Wealth, published 2003.
• Directly involved with the subdivision of properties between 20,000sf and 21,000 acres.
• 4 years as a principle with a general contracting firm building single family residences in King County Advisory panel, State of Washington Mortgage Broker’s Commission, 1992-1994.
• One of the authors of Washington State’s Mortgage Broker’s Practices Act. (RCW 19.146)
• Created and successfully implemented a business and action plan for the assemblage and profitable sale of a real estate portfolio.
• Managed a multi-million dollar real estate portfolio that included single family homes, condominiums, vacant land and office building.
• Consultant to residential portfolio managers throughout the Pacific Northwest.
• Created custom forms and contracts used to manage real estate.
• Personally involved with legal actions and lawsuits against Government Agency’s regarding The Shore Line Management Act, Building Codes, Code Interpretations, Stop Work Orders, and Private Property Rights (Constitutional)
• Lobbied Government Agency’s concerning the field of Real Estate Fraud, Licensing Mortgage Brokers and Loan Originators, Creating a special Fraud Prosecution Account for state agencies, property rights, appraisal and bonding requirements for sub-contractors and third party providers of services.
• Builder of two homes.

Extensive Educational Tracking is a Requirement of Appraisal
Institute/National Education

Appraisal/Real Estate Agent Courses:

ACOW Summit XIII Presenter of class ~ The Art of Appraisal
Adjustments……………………………………………………………………………3 credit hrs 08/11
USPAP & Fannie Mae and Freddie Mac Forms ~ Compliance
Issues…………………………………………………………………………………2 credit hours 08/11
The Dirty Dozen……………………………………………………………………… 3 credit hours 7/11
7 Hour National USPAP…………………………………………………………….7 credit hours 11/10
ACOW Summit XII, Day 1……………………………………………………………..6 credit hours 8/10
ACOW Summit XII Day 2……………………………………………………………..6 credit hours 8/10
2009 Fall Real Estate Conference by AI…………………………………………. 7 credit hours 12/09
2008-2009 National USPAP Update………………………………………………7 credit hours 11/09
Title & Escrow Fundamentals……………………………………………………….3 credit hours 7/09
Appraiser Commission………………………………………………………………3 credit hours 5/09
USPAP 7 Hr Update and Business Practice Ethics……………………………….7 credit hours 10/08
Attacking & Defending and Appraisals in Litigation……………………………. 6 credit hours 9/08
Appraising Legal Issues & Moot Court…………………………………………… 6 credit hours 9/08
ACOW Summit Day 1…………………………………………………………………3 credit hours 8/08
ACOW Summit Day 2…………………………………………………………………6 credit hours 8/08
Real Estate Ethics……………………………………………………………………..3 credit hours 7/08
Contract Law…………………………………………………………………………..3 credit hours 7/08
Principles of Finance/Mortgage Market……………………………………………3 credit hours 7/08
Taxation of Real Estate and Capital Gain…………………………………………..3 credit hours 7/08
Water Rights & Supply Issues…………………………………………………….3.5 credit hours 10/08
Buyer Agency…………………………………………………………………………..4 credit hours 7/08
Core Curriculum……………………………………………………………………… 4 credit hours 8/07
National USPAP……………………………………………………………………… 7 credit hours 6/07
Explaining Market Value……………………………………………………………..2 credit hours 2/07
When Are You An Agent?…………………………………………………………..3 credit hours 10/08
Legal Update………………………………………………………………………….3 credit hours 3/06
High Value Homes- Part 2………………………………………………………….4 credit hours 10/06
Appraising Waterfront Homes(OREA)……………………………………………..7 credit hours 8/06
Appraisal Today(OREA)……………………………………………………………..7 credit hours 8/06
Mortgage Fraud and Appraisers(OREA)…………………………………………..7 credit hours 8/06
Foreclosure Rescue Scams(KCBA)………………………………………………..6.5 credit hours 7/06
Subdivision Analysis………………………………………………………………… 4 credit hours 6/06
What is A Backyard Worth…………………………………………………………..7 credit hours 4/06
Hypothetical Cond. & Extraordinary Assump……………………………………..2 credit hours 2/06
Appraisal Commission………………………………………………………………3 credit hours 11/05
Proposed Trainee Regs………………………………………………………………6 credit hours 8/05
State Licensing Update………………………………………………………………3 credit hours 8/05
Professional’s Guide to URAR…………………………………………………….3.5 credit hours 7/05
Mathematical Modeling……………………………………………………………3.5 credit hours 7/05
Battle in Seattle: Residential Hot Buttons…………………………………………3 credit hours 7/05
Beat The Clock………………………………………………………………………..3 credit hours 7/05
Appraising Ultra High End Homes………………………………………………….3 credit hours 7/05
New Appraisal Forms………………………………………………………………..3 credit hours 7/05
Hot Topic………………………………………………………………………………3 credit hours 7/05
Math Modeling………………………………………………………………………..3 credit hours 7/05
Appraising The Tough Ones (AI)…………………………………………………….3 credit hours 5/05
Mortgage Fraud Case Studies………………………………………………………6 credit hours 2/05
Real Estate Agent Ethics…………………………………………………………3.5 credit hours 12/04
Appraisers’ Toolbox and Technology…………………………………………….4 credit hours 11/04
If Only the Appraiser Had Said No………………………………………………….3 credit hours 8/04
Fannie Mae Forms Workshop………………………………………………………3 credit hours 8/04
Analyzing Small Income Investment Properties………………………………….3 credit hours 6/04
They Got Caught (Pro Directions)………………………………………………….3 credit hours 5/04
Understanding Credit Scoring (Chicago Title)……………………………………3 credit hours 5/04
Basic Income Capitalization (310)(AI)…………………………………………….30 credit hours 2/04
What’s Legally Permissible? (AI)……………………………………………………2 credit hours 2/04
New Const. and Lien Issues (Chicago Title)………………………………………..3 credit hours 11/03
Short Sales (First AM)………………………………………………………………..4 credit hours 10/03
Uniform Standards of Professional Pracitce (AI)…………………………………7 credit hours 10/03
Real Estate Financing/Land Use Planning (AI)…………………………………….2 credit hours 10/03
(MLS)Locator Computer Sys. (WAR)……………………………………………..3.5 credit hours 10/03
Lender Pressure (AI)………………………………………………………………….3 credit hours 8/03
Appraisal Landmines (AI)……………………………………………………………7 credit hours 8/03
Washington State Appraisal Issues (AI)……………………………………………2 credit hours 5/03
Revisions to Real Estate Forms (WAR)…………………………………………….7 credit hours 2/03
Real Estate Outlook (AI)……………………………………………………………..2 credit hours 2/03
What’s my back yard worth? (AI)……………………………………………………7 credit hours 1/03
Business Market (AI)………………………………………………………………….2 credit hours 1/03
Understanding Mold Claims and Managing Risk………………………………….2 credit hours 9/02
Fannie Mae, Appraisal Issues and D.T.U. …………………………………………..2 credit hours 6/02
Master Planned Community Development (AI)……………………………………2 credit hours 4/02
Easements and Their Affect on Value (AI)………………………………………….4 credit hours 11/01
Partial Interest Valuation – Undivided (AI)…………………………………………7 credit hours 10/01
Technology – the New Paradigm (AI)……………………………………………….4 credit hours 10/01
Making Money with Today’s Technology (Realtors)………………………………3 credit hours 10/01
Price Sells Property (Pro Directions)………………………………………………..3 credit hours 7/01
Keep Your License (Pro Directions)…………………………………………………7.5 credit hours 7/01
Puget Sound Residential Real Estate (AI)……………………………………………2 credit hours 6/01
Uniform Standards of Professional Practice (AI)……………………………………8 credit hours 5/01
Waterfront titles in Washington………………………………………………………3 credit hours 10/01
AIRD – Residential Database…………………………………………………………..2 credit hours 11/00
Case Studies Residential Highest and Best Use……………………………………..7 credit hours 9/00
Washington Real Estate Practices……………………………………………………30 credit hours 2/00
Appraising of Unusual Residential Properties……………………………………….2 credit hours 1/00
Automated Valuation Models………………………………………………………….7 credit hours 5/99
Loss Prevention Program for RE Appraisers…………………………………………4 credit hours 10/99
The FHA and the Appraisal Process……………………………………………………7 credit hours 9/99
Growth Management Act……………………………………………………………….2 credit hours 4/99
Appraising Waterfront properties……………………………………………………..2 credit hours 2/99
FNMA Requirements for Desktop Underwriting……………………………………..4 credit hours 11/98
Appraising complex properties………………………………………………………..4 credit hours 11/98
Standards of Appraisal Practice (C)……………………………………………………7 credit hours 9/98
Appraising High-Value and Historic Homes…………………………………………..7 credit hours 4/98
Growth Management……………………………………………………………………5 credit hours 7/97
Alternative Residential reporting forms………………………………………………7 credit hours 2/97
Advanced Writing Skills…………………………………………………………………7 credit hours 5/96
Legal Liabilities…………………………………………………………………………..4 credit hours 1/96
Real Estate Instructor Training Course………………………………………………..15 credit hours 11/95
The Fundamentals of Relocation Appraisals………………………………………….7 credit hours 10/95
Collateral Assessment Training…………………………………………………………7 credit hours 8/95
Appraising FHA Properties (HUD)……………………………………………………….8 credit hours 11/94
Understanding Limited Appraisals & Report Opt…………………………………….7 credit hours 7/94
Appraisal Review – Residential Properties…………………………………………….7 credit hours 5/94
Real Estate Law (MYKUT)………………………………………………………………..30 credit hours 10/93
FIRREA/New URAR Seminar (AIREA)……………………………………………………7 credit hours 10/93
Appraisal Review Symposium (AIREA)………………………………………………….4 credit hours 10/92
U.S.P.A.P (Bellevue Community College)………………………………………………15 credit hours 4/91
FIRREA/FNMA Requirements (AIREA)…………………………………………………..7 credit hours 3/91
Residential Valuation (AIREA)…………………………………………………………..39 credit hours 10/90
FIRREA Seminar
(Office of Thrift Supervision)…………………………………………………………….4 credit hours 9/90
Real Estate Appraisal Principles (AIREA)………………………………………………39 credit hours 2/89
Standards of Professional Practice (AIREA)……………………………………………24 credit hours 4/88
Real Estate Contract Law (Board of Realtors)…………………………………………8 credit hours 1982
Real Estate Financing……………………………………………………………………..7 credit hours 1982
Real Estate Finance & Law………………………………………………………………..8 credit hours 1980

Additional Appraisal Seminars:
Mortgage Brokers Practices Act (Participated in creating the law)………………………..1994
Washington Mutual Appraisal Requirements…………………………………………………1991
FNMA Requirements Seminar (AIREA)………………………………………………………….1990
Real Estate Values in King County (AIREA)…………………………………………………….1989
FNMA/FHLMC Requirements Seminar (FHLBB)……………………………………………….1987

Other
College – Degrees in Business Administration & Economics…………………………………1972-1976
Newport High School – Bellevue, WA……………………………………………………………1972

Teaching (Instructor) & Author of the following Appraisal classes:
Uniform Appraisal Dataset and The Required New Language of Appraising…………….2011 to current
Uniform Appraisal Dataset ~ The Detailed Explanation……………………………………. 2011 to current
New Laws Impacting Appraisers and the Use of AMC’s…………………………………….. 2011 to current
Appraisal Management Companies ~ Laws, Issues And Solutions………………………….2009 to current
Valuing High End Properties…………………………………………………………………….2009 to current
Defining Market Value amd How to Adjust For Concessions……………………………….2007 to current
Top 20 Questions Asked of Appraisers And How To Answer……………………………….2006 to current
Appraising Ultra High End Homes………………………………………………………………2005 to current
Lender Pressure / Fraud………………………………………………………………………….2003 to current
What’s My Bbackyard Worth? (1 of 4 Instructors)……………………………………………..01/2003
Real Estate Investment (Twice a year)…………………………………………………………..2002 to current
Fixer Uppers & Rehab…………………………………………………………………………….2002 to current
Tools for Investors………………………………………………………………………………..2002 to current
Real Estate Appraisal -Introduction (1- 4 times a year)……………………………………….1997 to current
Real Estate Appraisal – Advanced (1 a year)…………………………………………………..2002 to current
Feasibility Studies (1 a year)…………………………………………………………………….. 1998 to current
Appraisal of Small Income Residential Property………………………………………………2002 to current
Appraisal of Unusual Residential Properties………………………………………………….2000 to current
Waterfront properties – Special Appraising Techniques…………………………………….1999 to current
Examining the Expert Witness (UW law school)(2 hour)……………………………………..1996, 1998, 2005

Author of the following real estate classes:
Real Estate Investment……………………………………………………………………………3,7,16 & 33 hours
Appraisal of Small Income Residential Property………………………………………………33 hours
Real Estate Appraisal……………………………………………………………………………..6 &33 hours
How to Identify and Prevent Real Estate and Mortgage Fraud………………………………3 & 6 hours
The Impact of Real Estate Fraud………………………………………………………………….3 hours
Issues with Foreclosures and Short-Sales……………………………………………………….3 hours
Appraisal of High End Properties…………………………………………………………………7 hours
Real Estate Appraisal for Agents…………………………………………………………………7 hours
Real Estate Appraisal for Mortgage Brokers……………………………………………………7 hours
Valuation of Waterfront Properties………………………………………………………………3 hours
Appraising Unusual Residential Properties………………………………………………………3 hours
The Growth management Act………………………………………………………………………5 hours
Top 20 Questions Asked of Appraisers..And How to Answer…………………………………..3 hours
Defining Market Value & How To Adjust for Concessions………………………………………3 hours
Use of Computers and other Technologies……………………………………………………….2 hours
Lender Pressure……………………………………………………………………………………….3 hours
Appraising High End Homes…………………………………………………………………………6 hours
Fixer Uppers Rehab…………………………………………………………………………………..3 hours
Tools for Investors……………………………………………………………………………………3 hours
Home Improvement & Fixer-Uppers……………………………………………………………….3 hours
Investment Tools & Resources……………………………………………………………………..3 hours
Where Real Estate Prices are Headed…………………………………………………………….3 hours
Issues with Mortgage Elimination & Foreclosures……………………………………………….3 hours

Special Instruction:

Special training provided to Government and Banking Agencies including:
Federal Bureau of Investigations (FBI)
Secret Service
Drug Enforcement Administration (DEA)
Immigration Customs Enforcement (ICE)
Federal Deposit Insurance Corporation (FDIC)
Department of Financial Institutions (multiple states)
Attorney General’s Office (multiple states)
Corporate Securities and Finance
Department of Licensing (Agent, Appraiser, Bank)
Mortgage Broker (multiple states)
Association of Credit Union Internal Auditors (ACUIA)
National Association of State Credit Union Supervisors (NASCUS)
Multi-State Drug and Organized Crime Task Forces

Classes:
How to Identify and Prevent Real Estate and Mortgage Fraud
Organized Crime’s Involvement with Real Estate Fraud
Foreclosure “Rescue” and Short-Sales
Real Estate Fraud – The Documents
Real Estate Appraisers Involvement with Mortgage Fraud
The Prosecutor and Investigators Guide To Real Estate and Mortgage Fraud

Employment – Real Estate:
2002 to Present
Seattle Community College, Seattle, WA
Real Estate Instructor
Teaching Washington State accredited classes to real estate professionals and lay people. Wrote and developed: Real Estate Investment, Advanced Real Estate Investment, Appraisal of multi-family housing, Appraisal of single family housing, and Mortgage Fraud.

1997 to 2006
Professional Directions Inc, Kirkland, WA
Real Estate Instructor
Teaching Washington State accredited classes to real estate professionals and lay people. Wrote and developed classes for: Real estate appraisal and First time home buyers. Co-developed real estate classes delivered to professionals via an Internet site. Co-developed the first underlying operating system and Internet site used to disseminate and sell clock hour instruction. Approved instructor for Washington State clock hours in the fields of: Appraising, Real Estate Fundamentals, Real Estate Principles, Practices & Essentials, Construction & Land Development, Selling/Listing/Marketing, and Real Estate Appraisal and Mortgage Fraud.

1988 to Present
American Home Appraisals, Mercer Island, WA
President / Professional Real Estate Appraiser / Consultant
Experienced in appraising single and multi-family residences, condominiums, raw land and subdivisions. Appraisals have determined market, tax, insured and lost values; involving legal questions, rights of ownership, easements, divorce and estates on unusual and multimillion dollar properties. Provided appraisals for local and national lenders, title insurance companies, attorneys, corporations and private individuals. I have provided expert testimony in Property Rights, Foreclosure, and Divorce proceedings, Small Claims, District, Superior and Federal Court’s.
Reviewed appraisals for the Appraisal Institute, Government agencies, attorneys, local and national lenders.
Experienced in field and desk reviews, construction and final inspections.
Experienced in the geographical areas of King, Pierce, and Snohomish counties, Ocean Shores and limited areas of Eastern Washington.

1986 to 1988
Ken Fletcher & Associates, Bellevue, WA
Professional Real Estate Appraiser
Experienced in appraising single family residences, condominiums, raw land, developed lots, construction appraisals, and final inspections in King and Snohomish counties.

1984 to 1989
William A. Bain & Associates (Coldwell, Banker, Bain Assoc), Bellevue, WA
Realtor / Sales Consultant /Development Coordinator
Sales Associate specializing in new construction, condominiums, and expensive home resale market.
Assisting developers and sellers by:

• Preparing market evaluations used in determining fair market value for homes, condominiums, and developments.
• Performance analysis for determining single family housing (the type, size, cost, and locations) for future developments.
• Interfacing with engineers, architects, and government agencies in creating plat layouts, plat approvals, and floor plans suitable for site and consumer demand.
• Vast knowledge of financing, mortgage banking, construction loans, and escrow companies.
• Experienced in preparing marketing and promotional materials for clients, Realtors, and home shows.

1978 to 1982
B.C Northwest Construction General Contracting firm, Issaquah, WA
Sales and Design Consultant / Development Coordinator / Land Purveyor

• Designed homes.
• Assisted in conceptualizing subdivisions, home placement and acquisition of acreage for the specific purpose of subdivision
• Managed and interfaced with plat engineers, surveyors and government agencies while guiding projects through the government platting process. Platting process included short and long plats between 2 and 128 lot subdivisions. Subdivision included the acquisition of easements rights for ingress/egress, sewer and water together with arranging financing for the actual subdivision and ground breaking.
• Assisted in acquisition of financing for the construction of more than 100 homes.

1977 to 1984
The John’s Real Estate Corporation, Mercer Island, WA
Sales Consultant / Plat Manager / Development Coordinator
Multi-million dollar producer, principally selling and listing homes for first time home buyers, time share condominiums, vacant land and recreational land in vacation or tourist spots in Washington.
Assisted in the development of single family homes for first time home owners.
Real Estate sales – residential, land, developments, and condominiums.
Assisting developers and sellers by:

• Preparing market evaluations used in determining fair market value for homes, condominiums, and developments.
• Performance analysis for determining single family housing (the type, size, cost, and locations) for future developments.
• Interfacing with engineers, architects, and government agencies in creating plat layouts, plat approvals, and floor plans suitable for site and consumer demand.

Vast knowledge of financing, mortgage banking, construction loans, and escrow companies. Experienced in preparing marketing and promotional materials for clients, Realtors, and home shows. Set and manned booths within Trade and Home Shows. Created marketing materials specific to each show and residential real estate project.

List of Professional References for Richard Hagar for Speaking and Conferences

Mr. Chuck Cross
Vice President, Mortgage Regulatory Policy Conference of State Banking Supervisors
1155 Connecticut Ave NW, 5th Floor, Washington, DC 20036-4306
www.csbs.org
(202) 306-8710
Mr. Hagar was a guest speaker for AARMR (American Association of Residential Mortgage Regulators) in Alexandria, VA at their Convention 4-1-08 as well as in Atlanta, GA convention 10-23 to 25, 2006. In 2006, Mr. Cross was the Vice President of AARMR as well as the Director of Consumer Services – Department of Financial Institutions for the State of Washington

Ms. Felicia Rotellini
Superintendent Arizona Dept. of Financial Institutions
2910 N. 44th Street Suite 310, Phoenix, AZ 85018
www.azdfi.gov
(602) 255-4421 x 113
Eleven seminars performed for Corporate, Consumer and Law Enforcement/Government officials during the months of October and November 2007. Two, 3 day sessions are planned for mid May 2008 throughout AZ.  These will include mandatory attendance per Bank Regulators and the AZ Realtor Assoc. Ms. Rotellini will be our guest speaker.

Ms. Ann Susko
State Director, NAIFA National Association of Independent Fee Appraisers
610 E Bell Rd, Ste 2-256, Phoenix, AZ 85022
www.naifa.com
(602) 993-5077
Mr. Hagar instructed/spoke to over 75 attendees 11-14-2007

Ms. Kathy Moe
FDIC ~ Federal Deposit Insurance Corporation
25 Ecker Street #600, San Francisco, CA 94105
www.fdic.gov
(602) 275-3683
Mr. Hagar was a speaker at the 2007 Regional Training Conference Nov 5-9, 2007 La Quinta Resort.

Jenny Champagne
NASCUS / National Association of State Credit Union Supervisors
1655 North Fort Myer Drive, Suite 300, Arlington, Virginia
www.nascus.org
(703) 528-5974
Mr. Hagar spoke at the Senior Management Symposium 10-25-07 Coeur d’Alene Resort.

Ms. Connie McMullen
NAPMW / National Association of Professional Mortgage Women
7290 E. Broadway Blvd. Suite M-2, Tucson, AZ 85710
www.napmwtucson.com
(520) 290-2619
Mr. Hagar taught a 6 hour seminar on the topic of Real Estate Fraud on 10-10-07 in Tucson and 3 hour class on “Market Value, How to Adjust for Concessions”

AUTHOR – Richard Hagar, SRA
Books:
Mortgage Fraud
Richard Hagar & John Woods – self published 2006
Over 400 sold at various Conferences & Seminars

8 Steps Towards Real Estate Wealth
Richard Hagar – self published 2005, ReWrote Version II 2008
30 Week Instruction Manual for College, sold through Barnes & Noble Bookstores

Real Estate Advisor
Over 200 articles on various aspects of owning & operating real estate
– The High’s and Low’s of Being a Landlord
– First time home-buyers guide
– Time Shares The Real Story
– What Makes a Good Real Estate Agent and How to Select One
– All About Lenders and How to Borrow Money
(partial listing…if you’d like to view more, please inquire)

Currently writing: The Investigators Guide to Real Estate and Mortgage Fraud
Mr. Hagar has been asked by various law enforcement agencies to write/publish A Manual for Bank Regulators, Prosecutors, Police and Government Agencies (this will not be available to the general public). White collar crimes & fraud being perpetrated upon private citizens through identity theft, straw-buyers etc, by the trio: Real Estate Agents, Appraisers and Mortgage Brokers. Specific State and Federal laws that have been broken, Time Lines and Indictments, how to effectively prosecute.

Co Author
Washington Mortgage Broker Practices Act – State of Washington

Courses Written:
CORE Class for Real Estate Agents to Renew their License/WA State
3 hours – www.Mckissock.com
Over 40 courses written for various professions – in various states The list of self-published seminars/Classes/courses can be found at the back of the section marked “Conferences and Seminars”

• New Inter-Agency Appraisal and Evaluation Guidelines 2/2011
• Appraisals, AMC’s, and the Dodd-Frank Act – New Compliance Realities 1/2011
• Safe Act 12-2010
• Fannie Mae & Freddie Mac’s Appraisal Requirements 9/2010
• SAFE ACT – Implementation Issues: A Practical Guide 9/2010
• Appraisal Review: Saving Time and Costs 10/2009
• Identifying and Preventing Mortgage Loan Fraud 9/2009
• Required Licensing or Registration of Loan Originators 9/2009
• Get Ready for the Implementation of The Safe Act 3/2010
• Understand Appraisal Management Companies (AMC’s) and Other Third Party Relationships 2/2009
• Appraisal Process – New Requirements 3/2009
• Appraisals: New Rules, New Forms, New Procedures 5/2009
• Mortgage Loan Scams – When Real Estate Isn’t “Real” 6/2009
• Understanding Commercial Real Estate Appraisals 3/2008
• Appraisals: What You Need to Know NOW 12/2007