Ana M. Arroyo

Ana M. Arroyo is an associate with Property Valuation & Consulting, Inc. and is a State Certified General Appraiser (License No. RZ3450). Her appraisal experience includes narrative and form report writing of single and multi-family residential, condominiums, commercial office, retail, industrial buildings and vacant land properties, in both English and Spanish language. She was formerly state licensed and certified (EPA#767 & CRA# 45) in Puerto Rico from 1997 to 2009.

Education

Sacred Heart University - San Juan, Puerto Rico
BS in General Sciences, Major: Biology, June 1997

Appraisal / Real Estate Courses & Seminars

June 27, 2011 – “General Demonstration Appraisal Report Writing Seminar” – Appraisal Institute
May 21, 2011 - “Florida Real Estate Appraisal Laws and Rules” – Florida Real Estate Institute Online
May 21, 2011 - “Florida Supervisor/Trainee Roles and Relationships” – Florida Real Estate Institute Online
February 10, 2011 – “General Appraiser Report Writing and Case Studies” – Appraisal Institute
January 29, 2011 – “Advanced Applications” – Appraisal Institute
November 27, 2010 - Florida Real Estate Appraisal Law and Rules – Real Estate Education Specialists
November 27, 2010 - Florida Supervisor/Trainee Roles and Relationships – Real Estate Education Specialists
November 14, 2010 – “Online Condominiums, Co-ops and PUD’s” – Appraisal Institute
October 30, 2010 – “7 Hour National USPAP Equivalent Course, 2010-2011” – Appraisal Institute
August 9-14, 2010 – “Advanced Income Capitalization” – Appraisal Institute
February 1, 2009 -”Online Analyzing Distressed Real Estate” – Appraisal Institute
January 31, 2009 - “Analyzing Operating Expenses” – Appraisal Institute
January 3, 2009 - “Online Small Hotel Motel Valuation”- Appraisal Institute
December 15, 2008 - “Online Business Practices and Ethics” –Appraisal Institute
June 25, 2008 -“Florida Real Estate Appraisal Laws and Rules”&“Florida Supervisor/Trainee Roles and Relationships” - Real Estate Education Specialists
February 18, 2007- “National USPAP Equivalent Course” – Appraisal Institute
February 13, 2006 - “VA Appraisal Guidelines and Updates” Veterans Benefits Network
May 11, 2005 -“FHA Update” -Mortgage Bankers Association
October 18 - 19, 2004 - “USPAP Course” – AQB Certified – nstituto de Evaluadores 
February 16 - 20, 2004 -“Advanced Income Capitalization” – Appraisal Institute
November 13, 2003 -“USPAP: Standard 3 & its effect on lenders & appraisers  relationship” – The Appraisal Standard Board – Appraisal Foundation  Seminar
October 9, 2003- Real estate broker license examination (90% passing grade)
October 4, 2003- “Curso de corredor de bienes raíces”–Tiri Real Estate Institute
May 8, 2001-“FHA Update” - Mortgage Bankers Assoc. Seminar
February 10  - 11, 2001-“Etica y Estándares Uniformes de la Práctica Profesional de la Valoración de Bíenes Raíces”-Instituto de Evaluadores Prof. de Puerto Rico
November 10 - 16,  2000-“Advanced Sales Comparison & Cost Approaches”-AI (II530)
October 20, 2000-“The FHA Appraisal Inspection from the Ground Up”-AI
August  14 - 21, 2000-“Highest & Best Use & Market Analysis”-AI Course (II520)
October 1997-      “Expropiación Forzosa”-Instituto de Evaluadores Prof. de Puerto Rico
October 1997-“Matemática para Tasadores”-Instituto de Evaluadores Prof.de Puerto Rico
September 1997-“Etica y Estándares Uniformes de la Práctica Profesional de la Valoración de Bíenes Raíces”-Instituto de Evaluadores Profesionales de Puerto Rico
May 1997-“Principios Básicos de Evaluación de Bíenes Raíces”-University of P.R.

Real Estate Experience

Property Valuation and Consulting, Inc. (August 2008 to today)
Certified General Real Estate Appraiser RZ3450, 5/2011 to present, Florida
Certified Residential Real Estate Appraiser RD7325, 7/2008 to 5/2011, Florida
Certified Residential Real Estate Appraiser #45, 2/9/2001 to 2/2009, Puerto Rico
Licensed Real Estate Appraiser E.P.A.#767, 11/17/1997 to 11/2009, Puerto Rico
Associate Member of the Appraisal Institute

E-mail Ana.