‹foote=
r›
‹#R=
50;
‹date/time›
------=_NextPart_01C94294.D6700B70
Content-Location: file:///C:/9138E639/LicensedAssistantAppraiser0809_files/master05.xml
Content-Transfer-Encoding: quoted-printable
Content-Type: text/xml; charset="utf-8"
![](3D"master05_background.jpg")
Licensed Assistant Appraiser
In New York State- Current regulations and
responsibilities
2008- 2009 BY BILL C. MERRELL, PH.D.<=
/div>
------=_NextPart_01C94294.D6700B70
Content-Location: file:///C:/9138E639/LicensedAssistantAppraiser0809_files/master05_background.jpg
Content-Transfer-Encoding: base64
Content-Type: image/jpeg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------=_NextPart_01C94294.D6700B70
Content-Location: file:///C:/9138E639/LicensedAssistantAppraiser0809_files/slide0002.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
![](3D"master04_background.jpg")
EDUCATION- EFFECTIVE 1-1-08
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•150 hours of App=
roved
Education
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•Courses must be =
taken
sequentially
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•All Modules must=
meet
attendance
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•All Modules requ=
ire
passing final
•Students must ha=
ve
High School Diploma or it’s equivalent (GED)=
EXPERIENCE- AS OF 1-1-08
•NO EXPERIENCE REQUIRED FOR A <=
span
style=3D'position:absolute;top:35.5%;left:9.73%;width:90.26%;height:7.5%'>=
LICENSED APPRAIS=
ER
ASSISTANT TO ENTER THE APPRAISAL PROFESSION
•ASSISTANTS MUST
AFFILIATE THEMSELVES WITH AN EXPERIENCED APPRAISER (CERTI=
FIED
RESIDENTIAL OR CERTIFIED GENERAL APPRAISER)
------=_NextPart_01C94294.D6700B70
Content-Location: file:///C:/9138E639/LicensedAssistantAppraiser0809_files/slide0004.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"
STATE TESTING- AS OF 1-1-08
•A LICENSED ASSIS=
TANT
DOES NOT TAKE THE NYS TEST- NO STATE TEST
=
•A LICENSED ASSIS=
TANT
MUST PASS ALL COURSE TESTS, POSSESS A HIGH <=
span
style=3D'position:absolute;top:58.25%;left:9.73%;width:84.45%;height:7.5%'=
>SCHOOL DIPLOMA A=
ND
AFFILIATE THEMSELVES WITH AN EXPERIENCED APPRAISER AS OUT=
LINED
EARLIER
OBTAINING THE LICENSE-08
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•FILE WITH NYS, D=
EPT OF
STATE
<=
span
class=3DBB style=3D'position:absolute;left:-4.0%;top:-.15em'>•MAIL PRROF OF CO=
URSES
COMPLETED
<=
span
class=3DBB style=3D'position:absolute;left:-4.04%;top:-.15em'>•CERTIFY HIGH SCH=
OOL
GRAD STATUS
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•NO CRIMINAL
CONVICTIONS
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•PAY THE STATE
LICENSING FEE
<=
span
class=3DBB style=3D'position:absolute;left:-4.01%;top:-.15em'>•AGREE TO MEET US=
PAP
REGULATIONS
OBTAINING YOUR EXPERIENCE
•In New York Stat=
e, you
can
gain experience by performing&=
nbsp;
appraisals which is supervised by =
a Certified
Residential or Certified General Appraiser in New York <=
span
style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma'>State.
<=
span
style=3D'visibility:hidden'>•
•The Licensed
Assistant keeps a copy of =
each and every apprai=
sal. The Assistant is=
required to main=
tain a
log
of their experience. Experience is mandatory to upg=
rade to Licensed or
Certified Residential/General
The role of the Supervisor
•A Supervisory
Appraiser must review and supervise the activities of a Licensed =
Appraiser Assist=
ant.
The Supervisory Appraiser must also keep a copy of each appraisal he/she=
has
reviewed an supervised. This includes a copy of the =
original order. =
The
retained file is referred to as an appraisal work file in NYS
APPRAISAL WORK FILE
•THE WORK FILE INCLUDES:
<=
span
class=3DHBB style=3D'position:absolute;left:-9.7%;top:-.15em'>•THE APPRAISAL=
3;
<=
span
class=3DHBB style=3D'position:absolute;left:-9.7%;top:-.15em'>•PHOTOS
<=
span
class=3DHBB style=3D'position:absolute;left:-9.7%;top:-.15em'>•SKETCH
<=
span
class=3DHBB style=3D'position:absolute;left:-9.09%;top:-.15em'>•SUPPORTING DOCS&=
#13;
•ORDER FORM FROM =
THE CLIENT•THE ASSISTANT AN=
D THE SUPERVISORY =
APPRAISER MUST <=
/span>=
EACH KEEP A WORK=
FILE. WORK FILES=
ARE TYPICALLY NO=
T SHARED
CONTINUING EDUCATION
•ALL APPRAISERS M=
UST
COMPLETE 28 HOURS OF NYS APPROVED APPRAISER CONTINUING EDUCA=
TION
COURSES
•THIS MUST INCLUDE THE 7 HOUR USPAP UPDATE CLASS
=
;•YOU MUST CERTIFY=
THAT
YOU HAVE COMPLETED YOUR COURSEWORK. NYS WILL AUDIT YOU ONCE YOU RENEW.=
VIOLATIONS FOR CE REGS
•If you are renew=
ing
and you have not completed the required appraiser <=
span
style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma'>continuing educa=
tion,
you have violated the law, and filed a false state application=
when you renewed=
.
•Those without CE
Credit are subject to fine and or revocation of their license
What’s the Big Deal?
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•The bid deal is =
quite
simple:
•You signed a ren=
ewal
and certified to NYS that you completed the required courses. If you did not, =
you
lied on an official document which you filed with NYS
•Make sure that c=
ourses
you have taken meet the educational requirement for =
=
appraisers. If y=
ou
take unapproved courses, you are in violation of NYS LawGoing to the Next Level
•Once you have ac=
hieved
the required 2 years experience. NYS has created a point system <=
/span>to determine if =
you
have met the experience requirement.
•Meet all Continu=
ing
Education requirements
<=
span
class=3DBB style=3D'position:absolute;left:-4.19%;top:-.15em'>•2000 points for
License and 2 years
<=
span
class=3DBB style=3D'position:absolute;left:-3.54%;top:-.15em'>•2500 points fo=
r Certified Resid=
ential
& 2 years
<=
span
class=3DBB style=3D'position:absolute;left:-3.54%;top:-.15em'>•3000 points for
Certified General & 2.5 years
How Long Can it take?
•SOME COMPLETE TH=
EIR
EXPERIENCE WITHIN THE 2 YEARS.
•OTHERS TAKE LONG=
ER.
YOU CAN USE UP TO 5 YEARS OF EXPERIENCE TO MEET THE POINTS REQUI=
RED TO
UPGRADE
•YOU MUST MAINTAIN A LOG TO SHOW <=
span
style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma'>EVIDENCE OF YOUR
EXPERIENCE- YOU ALSO MUST KEEP YOUR WORK FILE AS DISCUSSED EARLIE=
R
Types of Appraisal Assignments
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•1 Family- Exteri=
or or
Full Inspection
<=
span
class=3DBB style=3D'position:absolute;left:-4.2%;top:-.15em'>•2-4 Family- Exte=
rior
or Full Inspection
•There are a large
variety of appraisals, however you must check to see what you, as a licensed
assistant are allowed to perform. Your reviewer/supervisor will advise you
accordingly.New York State Regulations
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•Call 518-474-442=
9
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•Ask for an Appra=
isal
Application
•Complete the
application, attach all educational certificates and licensing fee.&=
#13;•Your license sho=
uld
arrive within 14-21 days provided that you have met all the requirements to =
become
a Licensed Assistant Appraiser in New York State.Where to Go For Education?
•Appraisal Educat=
ion
Network School at the Merrell Institute (Bohemia, LI, NY)
<=
span
class=3DBB style=3D'position:absolute;left:-4.41%;top:-.15em'>•631-563-7720 Fax: 631-563-7719
=
;
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•Web site: =
www.merrellinstitute.com
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•E-Mail: <=
span
style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma'>=
drmerrell@optonline.net
•Convenient to Na=
ssau
County, Suffolk County and 5 Boroughs in NYS
<=
span
class=3DBB style=3D'position:absolute;left:-4.31%;top:-.15em'>•Bill C. Merrell,
Ph.D.- School Director
Directions to our Facility
•Fr=
om the
East: Long Island Expressway to Exit 59- Ocean Ave- South becomes
Lakeland- cross over Veterans Hwy to our
School
•Fr=
om the
West: Long Island Expressway to Exit 57- Veterans Hwy- 4 miles to
Lakeland Ave. South to our School Facility&#=
13;
<=
span
style=3D'font-size:88%'>•Distance To / From:
<=
span
style=3D'font-size:88%'>•Queens: 34 Miles ~ Brooklyn: 47 miles ~
=
<=
span
style=3D'font-size:88%'>•Staten Island: 54 miles ~ Nassau: 11 miles ~<=
/span>
<=
span
class=3DBB style=3D'position:absolute;left:-4.43%;top:-.15em'>•Web Referrals for
Appraisal Career
![](3D"slide0018_image003.jpg")
![](3D"slide0018_image005.jpg")
![](3D"slide0018_image007.jpg")
![](3D"slide0018_image009.jpg")
![](3D"slide0018_image011.jpg")
' + ENDSHOW_MESG + '
![](3D"notes_flag.gif")
No=
tes![](3D"buttons.gif")
