Appraisal Service Area & Products

Gulf to Bay Appraisals provides complete residential appraisalservice for the Pinellas, Manatee and Hillsborough County,Florida Areas.

We are specialists in appraisals for Mortgage Purposes including:Sale, Refinance, PMI Removal, Second Mortgage (Conformingand Non Conforming Products). We also provide appraisals forJumbo Loans (Over 1 Million Dollar Values). We can alsoprovide appraisals for Small Residential Income Properties(Duplex, Triplex & Fourplex).

We provide appraisals on the following forms:1004, 2055, Condo, 1073, 1075, 2075, 704 &Vacant Land.

Office Contact Number: 727-867-9696Fax Contact Number: 727-867-9598Web Site: http://gulf-to-bay-appraisals.com

E-Mail Contact: mdavis@gulf-to-bay-appraisals.com

Online Order Form: http://gulf-to-bay-appraisals.com/qual_mb.htm

Printable Order Form: http://gulf-to-bay-appraisals.com/orderform.pdf

We accept Visa/MasterCard for your customer’s convenience.

We are SERVICE ORIENTED and fax back a status sheet afterappointment is set – DIRECTLY to the Mortgage Broker.

Resume

Marten W. Davis, SRPA Job Objective: Diversify Appraisal Clientele6291 Bahia Del Mar Ci, Suite 104St Petersburg, Fl. 33715727-867-9696 (Voice) E-Mail mdavis@pinellas-appraiser.com727-867-9598 (Fax)

WORK EXPERIENCE

Self Employed St Petersburg, Fl. (Gulf to Bay Appraisals) 06/18/02 to Present

Self Employed Indianapolis, In. (MWD & Associates) 03/01/73 to 06/15/02

POSITION: Real Estate Appraiser & Analyst

APPROVED BY LENDERS: Washington Mutual, AmSouth Bank, Optium Mortgage,Green Point Mortgage, Home Capital, IncCentennial Mortgage Group, Millennium Bank, MyranaxMortgage, The Loan Stores, AIDC, CTX Mortgage, PrismMortgage, Saxon Mortgage, GMAC Mortgage, GenisysFinancial, MortgageIt, Nova Star Mortgage, PremierFunding, BLS Funding, Citi Financial, Flagstar Bank,Castle Advisors, Baughman & Steimel Appraisers, andNumerous others.

Appraisal Associates, Inc. Indianapolis, In. 02/01/68 to 03/01/73

POSITION: Staff Appraiser & Technical Cost Estimator

DUTIES: Staff Appraiser responsible for wide range of valuation problems including:Machinery & Equipment, Real Estate, Technical Valuation, Highway Condemnation.,Going Concern Valuation, Insurance Valuations.

National Homes Corp. Thomson, Ga. 01/01/66 to 02/01/68

POSITION: Design Draftsman/EngineerDUTIES: Design of single and multi-family housing units both for the domestic

and foreign markets. Responsible for pre-fabrication documentationand field erection documentation.

EDUCATION

MAC MURRAY COLLEGE Jacksonville, Ill. Major: GeneralStudies

APPRAISAL INSTITUTE Chicago, Ill. Major: Real Estate Appraisal Designation: SRPA

FLORIDA STATE CERTIFIED 2005 (RD3691)

REFERENCESDavid Hancock (727) 666-1924 The Loan StoresSam Moore (727 686-8050 Countrywide Home LoansMichael W. Tucker & Assoc. (317) 467-4669 Michael W. Tucker

Jill R. Davis5110 29th Avenue N., St. Petersburg, FL 33710

(727) 328-0948 / (727) 688-1890 jdavis@gulf-to-bay-appraisals.com

RESIDENTIAL APPRAISER &REAL ESTATE SERVICES PROFESSIONAL

Real estate professional with over nine years experience in appraising residential properties, proposedproperties, and vacant land. Realtor with over three years experience selling & listing residential properties.Expertise in establishing and maintaining strong client relationships, dependability in achieving goals andmeeting deadlines, training and mentoring, team management, implementing effective marketing solutions,and excellent oral and written communication skills.

♦ Appraising ♦ Product Development ♦ Multi-Tasking♦ Sales & Marketing ♦ Team Leadership ♦ Customer Rapport

_________________________ PROFESSIONAL EXPERIENCE ______________________

Gulf to Bay Appraisals, St. Petersburg, FL 6/01 - PresentResidential Real Estate Appraiser-Owner ♦ Prospects and secures new banking and finance clients for appraisal assignments

♦ Reviews and Appraises residential properties for all facets of Mortgage Banking♦ Sets and manages personal work schedule and billing

World Savings & Loan, Tampa, FL 5/00 - 5/01 Residential Real Estate Appraiser

♦ Residential Appraisals for properties ranging from $40,000 - $1,000,000♦ Single Family, Condominiums, Multi-Family, Proposed Properties and Vacant Land♦ Managed Personal Schedule and excelled in time management

Appraisal Associates and Services, Inc., Tampa, FL 12/95 - 04/00Residential Real Estate Appraiser

♦ Appraised Residential properties ranging from 40,000 - $800,000♦ Single Family, Condominiums, Multi-Family, Proposed Properties and Vacant Land♦ Participated in client relations and making cold calls to prospective mortgage brokers and lenders♦ Implemented improvements in marketing efforts and business procedures♦ Re-designed and improved appraisal marketing packet to present to prospective clients♦ Assisted with training new appraisers

__________________________EDUCATION & LICENSURE_________________________

Purdue University, West Lafayette, IN, 1988-1991Ball State University, Muncie, IN, 1987-1988

♦ 2003 Rogers Real Estate, Real Estate Salesperson Post License Course♦ 2001 Bert Rogers Real Estate, Real Estate Salesperson Course & Brian Bufini Salesperson Seminar

♦ 1999 Appraisal Institute, Course I120 - Appraisal Procedures♦ 1998 Appraiser Continuing Education♦ 1995 Bert Rogers Real Estate, AB I - Appraisal Practices and Procedures – Real Estate Education Specialists

Licensure: Florida Licensed Residential Real Estate Appraiser RH #0000169 Florida Real Estate Salesperson SL #3011812

GULF to BAY APPRAISALS(727) 867-9696 (Office)

(727) 867-9598 (FAX for ORDERS)(727) 385-0732 Marten Davis (Cell)

(727) 688-1890 Jill Davis (Cell)

Appraisal Request Form

Property Address: _____________________________________________________

City: ______________________ Zip: _______________________

Borrower(s): __________________________________________________________

Contact Numbers/Home: _____________________ Work: ____________________

Estimated Value: _____________________ Loan Amount: ____________________

Appraisal Form/Type: __________________________________________________

Collect @ Door: Yes Will be Paid @ Closing: Yes Visa/MasterCard:

Mortgage Company Name:

Address: ______________________________________________________________

Contact Person: ________________________________________________________

Send Appraisal via E-Mail: Yes / No

E-Mail Address: Mortgage Company _____________________________________

Phone : _____________________________ Fax : ____________________________

Client List (Partial)

Ace Mtg.Admiral Mtg.Advance Mtg.Advanta Nat. BankAIDirectConnectionAllied Mtg. CapitolAltegra Credit Co.Alternative Mtg..Ameriana Bank, F.S.B.American Equity CentersAmerican Home LoansAmerican Home MortgageAmerica’s Money LineAmerican National Mtg. Corp.AmeriquestAmerus BankAmtrust FinancialApproved Fed. Sav. BankApproved Res. Mtg.Armada Res. Mtg.Associated Fin. GroupAsssociates Fin. Serv.Avail MortgageAvondale Fed. Sav. BankBanc One MortgageBank of Western IndianaBank of United of Texas, F.S.B.Bankers Wholesale Mtg.Buckeye Mtg. Co.Cap. Fin. ServicesCapital LendingCentral Money Mtg..Centennial Mortgage GroupCentex Home EquityChappelow Mtg.. Co., Inc.Chase Fin.Chase Man. FinancialChemical Fin. BankChemical Res. Mtg.Chicago TitleCircle City Mtg.CIT GroupCiticorp CitibankCityscape Mtg.Collateral One Mtg.Colonial Mtg.Consumer Security Mtg.Conti Mtg.Countrywide B/CCredit DepotCrossland Mtg.Crown Bank, F.S.B.Decision One Mtg.Diversified MortgageE.Q. FinancialEastern Savings Bank, F.S.B.Easy Mtg.EvalueIT.comEmpire FundingEquitable Mtg. Co.Equity Loan ServicesEquity OneEquillianceEqui VantageExcel Mtg.FHB Funding Corp.Fidelity BankFirst American Home EquityFirst Bank RichmondFirst Commonwealth FundingFirst Equity ServicesFirst Community Mtg.First Federal BankFirst Financial Mtg. Corp.First Indiana BankFirst Mtg. Of IndianaFirst PrestonFirst Nat. Bank of MichiganFirst USA FundingFirst Union Home EquityFMS, Inc.Ford Consumer CreditFour Star FinancialFrontier Fin. ConsultingGMAC Mtg. Corp.Greenfield Banking Co.Greenpoint MortgageGulf & Southern MortgageH & R Block Mtg. – UC

Harrington BankHartland Mtg. Centers, Inc.Home Capital, Inc.Home Equity Mtg.. Corp.Home Mtg. Corp.Homegate MortgageHomestead Mtg.Lahser Centers Mtg.Household FinanceHuntington Nat. BankImage Mtg., Inc.Indiana Home Loan, Inc.Indiana Mtg. FundingIndustry Mtg.InvestaidInvestment Mtg.Investors Mtg.Investors Specialty FundingKeybankKeystone Mtg. Assoc.LMS/RBC MortgageLong Beach Mtg.Manhattan FundingMarket FinancialMarket IntelligenceMBNA CSEMembers Mtg., Inc.Mercury NetworkMerit LendingMichael W. Tucker & Assoc.Mid South FinancialMillenium BankMonument Mtg.Mtg. Cap. Res.Mtg. Corp. of AmericaMortgage NOW, IncMyranax MortgageNat. City BankNat. City Mtg.Nations CreditNations Title Agency of IndianaNationstrust Mtg. Corp.North American Mtg.Ocwen Fin. Serv.Old Fam. Mtg.One Stop Mtg.Option OnePacific Mtg.Peoples Trust Co.PFI BancorpPFG MortgagePinn Fund, USAPinnacle BancorpPrism MortgageQuality Mtg.Real ECRMC Acquisition Corp.Residential Money CentersRobar General FundingSaxon Mtg. Co.Southern Atlantic Fin. Serv.Star Banc FinancialStar Bank, N.A.Star Mtg.The CIT GroupThe Cornerstone Fin. Group, Inc.The Loan ZoneThe Money StationThe Money StoreTrans World Mtg.Trustcorp Mtg.UC LendingUnicor Mtg.Union Fed. Sav. BankUnion Fin. Corp.Union Savings BankUnited CompaniesWashington Mutual (WAMU)WMC Mtg. Corp.Wells Fargo MortgageWestfall & Co.White Financial

ADDITIONAL COMPARABLESFile No.

Borrower

Property Address

City County State Zip Code

Lender/Client

ITEM SUBJECT COMPARABLE NO. 4 COMPARABLE NO. 5 COMPARABLE NO. 6

Address

Proximity to Subject

Sales Price $ $ $ $

Price/Gross Liv. Area $ $ $ $/ / / /Data and/orVerification Source

VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + (-) $ Adjustment DESCRIPTION + (-) $ Adjustment DESCRIPTION + (-) $ Adjustment

Sales or FinancingConcessions

Date of Sale/Time

Location

Leasehold/Fee Simple

Site

View

Design and Appeal

Quality of Construction

Age

Condition

Above Grade Total Bdms Baths Total Bdms Baths Total Bdms Baths Total Bdms Baths

Room Count

Gross Living Area Sq. Ft. Sq. Ft. Sq. Ft. Sq. Ft.

Basement & Finished

Rooms Below Grade

Functional Utility

Heating/Cooling

Energy Efficient Items

Garage/Carport

Porch, Patio, Deck,

Fireplace(s), etc.

Fence, Pool, etc.

Net Adj. (total) + - $ + - $ + - $

Adjusted Sales Price

of Comparable $ $ $

Date, Price and Data

Source, for prior sales

within year of appraisal

Comments on Market Data

Market Data Analysis 6-93

04020001

Gulf to Bay Appraisals

ADDITIONAL COMPARABLESFile No.

Borrower

Property Address

City County State Zip Code

Lender/Client

ITEM SUBJECT COMPARABLE NO. 7 COMPARABLE NO. 8 COMPARABLE NO. 9

Address

Proximity to Subject

Sales Price $ $ $ $

Price/Gross Liv. Area $ $ $ $/ / / /Data and/orVerification Source

VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + (-) $ Adjustment DESCRIPTION + (-) $ Adjustment DESCRIPTION + (-) $ Adjustment

Sales or FinancingConcessions

Date of Sale/Time

Location

Leasehold/Fee Simple

Site

View

Design and Appeal

Quality of Construction

Age

Condition

Above Grade Total Bdms Baths Total Bdms Baths Total Bdms Baths Total Bdms Baths

Room Count

Gross Living Area Sq. Ft. Sq. Ft. Sq. Ft. Sq. Ft.

Basement & Finished

Rooms Below Grade

Functional Utility

Heating/Cooling

Energy Efficient Items

Garage/Carport

Porch, Patio, Deck,

Fireplace(s), etc.

Fence, Pool, etc.

Net Adj. (total) + - $ + - $ + - $

Adjusted Sales Price

of Comparable $ $ $

Date, Price and Data

Source, for prior sales

within year of appraisal

Comments on Market Data

Market Data Analysis 6-93

04020001

Gulf to Bay Appraisals