ANN M. VERNET, SRA

Massachusetts Certified Residential Real Estate Appraiser #79
Massachusetts Real Estate Salesperson #76841
Federal Housing Authority (FHA), Appraiser #7900


PROFESSIONAL MEMBERSHIPS

APPRAISAL INSTITUTE-SRA                                                                Chicago, IL
APPRAISAL INSTITUTE Greater Boston Chapter-Co-Chair of the Candidates Committee, 1992 &1993

International Who's Who
Peabody Chamber of Commerce

PROFESSIONAL EDUCATION
Appraisal Institute

1996
1996
1996
1995
1994
1993
1992
1992
1991
1988
1987
1987
1987
1986
1986
"The High End Property & It's Challenges"
"Emerging Markets/HUD 203K & 203B"
"Data Sources & Evaluations"
"EDI - The Challenge of Technology" Seminar
"Standards of Professional Practice", (USPAP) Parts A&B
"FIRREA and the Evaluations" seminar
"Standards of Professional Practice", Part A.(SPPA)
"Hazardous Material Affecting Real Estate"
"Appraising Real Property" (101)
"Reviewing the Appraisal Report" seminar
"Standards of Professional Practice", (SPP)
"Sales Comparison Approach" seminar
"Rates, Ratios & Reasonableness" seminar
"Real Estate Appraisal Principles" (1A1)
"Residential Valuation" (8-2)
Burlington, MA
Burlington, MA
Burlington, MA
Boston, MA
Norwood, MA
Burlington, MA
Norwood, MA
Needham, MA
Norwood, MA
Needham, MA
U. Mass
Mystic, CT
Mystic, CT
U. Mass
Assumption College
Massachusetts Board of Real Estate Appraisers Seminars
1995
1993
1992
1990

1990
1988
"Department of Housing & Urban Development" (HUD)
"Residential Appraisal Review Coarse"
"Writing Styles in Narrative Appraisal Reports"
"Use & Understanding the Residential Cost Handbook"
(Marshall & Swift Co.)
"The Small Residential Income Property Appraisal"
"FNMA Condominium"
Dedham, MA
Marlborough, MA
Norwood, MA
Newton, MA

Newton, MA
Newton, MA

Fannie Mae - Property Disposition Department Seminars
1995
1994
1991
1991
"REO Appraisal Procedure"
"Boston Consumer & Community Lending"
"Estimating Repair & Improvement Cost"
"Appraising Foreclosed Properties"
Boston, MA
Boston, MA
Framingham, MA
Framingham, MA

Dale Carnegie School
1990 "Effective Speaking and Human Relations" Waltham, MA

Lee Institute
1985 "Real Estate Practices and Principles" Waltham, MA

Marian Court College
1985 Associate of Science Swampscott, MA

Peabody  Veterans Memorial High School
1982 Graduate Peabody, MA

EXPERIENCE
1991- Present


1990-1991


1985-1990

  

1981-1985
Curns, Vernet & Associates, Inc.
President Residential Appraiser & Reviewer

Curns Appraisal Service
Residential Fee Appraiser

Appraisal Services, Inc
Residential Fee Appraiser


Sears, Roebuck & Company
Representative for Home Improvement
Paint & Electrical Departments
Salem, MA


Lynn, MA


Salem, MA


Peabody, MA
SUMMARY OF QUALIFICATIONS
Appraise and review single family, condominium and multi-family residences for local and national banks, mortgage companies, relocation companies, Resolution Trust Corp. (RTC), Fannie Mae, FHA, (Federal Housing Authority) and private clients, utilizing Fannie Mae forms and guidelines. Types of properties appraised range from nominal to million dollor homes, Essex to Middlesex counties, foreclosure to sales, unique to normal assignments, etc.

PERSONAL QUALITIES
Loyal, hard working, motivated and ambitious. Enjoy community involvement, such as church activities and youth programs. Enjoy golf, alpine skiing, cross country skiing and dance aerobics.

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70 Washington St, Suite 310
Salem, MA 01970

978.744.4272 FAX 978.744.4288

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