CAREA May 15, 2024 Meeting - Excess Vs Surplus Land Analysis

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Excess Vs Surplus Land Analysis

Presented by JoAnn Apostol, MNAA

One of the most common, highest and best use problems appraisers find is the difference between excess and surplus land. This is especially true in the residential part of the industry. Learn the differences between Fannie Mae, FHA, Freddie Mac and other lender requirements for handling excess and surplus land.
Topics covered include:

• Handling Excess and Surplus for different intended uses
• What data to gather to support the conclusion
• Understand how to complete a proper HABU for excess land
• Complete real life case studies in Excess V Surplus land

 ***Approval Pending for 2 Hours of Colorado Continuing Education for Colorado Licensed/Certified Appraisers & CAREA Affiliate Members***

CLICK HERE FOR DIRECTIONS TO EMBASSY SUITES

• Please register in advance for this meeting. During the registration process, please select if you are attending live or via Zoom. 
• If you are not attending THE ENTIRE presentation (e.g. joining too late or leaving too early), you will not be able to receive a CE certificate.
• Please note that we only refund your attendance fee for this meeting (if you are not a member) if you cancel at least 24 hours in advance of the meeting.

We look forward to seeing you!

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About the presenter:  JoAnn Apostol, MNAA has been a Certified Residential Appraiser in Colorado since 2002. She specializes in mountain properties west of Denver and complex residential properties throughout the 6 county Denver Metropolitan Area. JoAnn taught for a national appraisal education program for 17 years which included teaching qualifying education, continuing education, USPAP and was the national appraisal instructor. 

She is an AQB Certified USPAP Instructor, a Certified Distance Educator with IDECC, and holds a bachelor’s degree in mathematics with an education emphasis and a minor in special education. Appraising is a second career in which she was able to combine her first career of teaching with appraising. Before becoming an appraiser, she taught middle school mathematics for 15 years. Life events forced her to change career paths in 1999 when she discovered appraising and began training in 2000.

She has five children and five grandchildren which she enjoys spending time visiting and plays golf weekly. JoAnn consults with individual appraisers for USPAP compliance and board investigations. She currently volunteers with the National Association of Appraisers as the Communications Committee Chair and publishes a quarterly newsletter. She tutors students to pass the National Appraiser Exam and mentors newer appraisers in industry standards and acceptable appraisal methods.