32
8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 1/32 WZHZF OM GHLKMOYCKH " IVWKCFWW# ZYHCWPOYZHZKOC HCJ DOVWKCN HNFCG[ FJBVCJ N# IYO^C AY#, NO]FYCOY OMMKGF OM YFHL FWZHZF HPPYHKWFYW 8809 X WZYFFZ, WVKZF :800 WHGYHBFCZO, GH ;6488 " =67; mkkK $;8=+ 669 " ;000 y ~~~#oyfh#gh#no} Bhygd 99, 9088 Ihc+, W# Mhnhc 90:>6 Yogh Gdkgh Jy# Bhlkiv, Ghlkmoyckh ;09=6 Gobplhkcz Co# 880799"0; Jfhy Ihyy{ W# Mhnhc1 Zdkw ~kll hgeco~lfjnf zdf yfgfkpz om {ovy gobplhkcz yfmfyfcgfj hio}f# Zdf kc}fwzknhzk}f wzhmm om zdf Ommkgf om Yfhl Fwzhzf Hppyhkwfyw $OYFH+ yf}kf~w fhgd gobplhkcz oiafgzk}fl{ hcj gocwkjfyw h }hykfz{ ommhgzoyw kc pykoykzkqkcn ghwfw moy kc}fwzknhzkoc# Hlzdovnd ~f hyf vchilf zo jfzfybkcf do~ locn kz bh{ zhef moy zdkw kc}fwzknhzkoc zo if gobplfzfj, {ov ghc if hwwvyfj zdhz ~f ~kll pyogffj kc hw ftpfjkzkovw h bhccfy hw kw powwkilf# Plfhwf cozf zdhz {ov bh{ if goczhgzfj km ~f mkcj zdhz hjjkzkochl kcmoybhzkoc kw ~hyyhczfj hcj {ov bh{ if ghllfj vpoc zo zfwzkm{ hz hc hjbkckwzyhzk}f dfhykcn km kz ifgobfw cfgfwwhy{ hcj kw hppyopykhzf# Kz kw kbpoyzhcz zo vcjfywzhcj zdhz zdf mvcgzkoc om OYFH kw zo pyozfgz zdf pvilkg i{ fcmoygkcn wzhcjhyjw om pyomfwwkochl fzdkgw hcj gobpfzfcg{ hbocn lkgfcwfj hppyhkwfyw# Zdf kc}fwzknhzk}f pyogfww kw gocmkjfczkhl hcj ihwfj wolfl{ oc zdf mhgzvhl f}kjfcgf oizhkcfj# Kz kw coz zdf mzbgzkoc om OYFH zo hgz hw hc hj}oghzf moy fkzdfy zdf gocwvbfy oy zdf hppyhkwfy jvykcn zdf kc}fwzknhzk}f pyogfww# Km {ov hyf wffekcn zo yfgo}fy bocfzhy{ jhbhnfw, fcmoygf h goczyhgz oy oizhkc lfnhl hj}kgf, ~f fcgovyhnf {ov zo goczhgz hc hzzoycf{ oy {ovy loghl Ifzzfy Ivwkcfww Ivyfhv wkcgf OYFH kw vchilf zo pyo}kjf {ov ~kzd zdfwf wfy}kgfw# [ov ~kll if cozkmkfj i{ OYFH ~dfc zdf kc}fwzknhzk}f pyogfww dhw iffc gocglvjfj# Km {ov dh}f hc{ xvfwzkocw, plfhwf goczhgz bf hz zdf hio}f hjjyfww oy i{ ghllkcn $;8=+ 669";090# Plfhwf yfmfyfcgf zdf hio}f gobplhkcz cvbify zo hwwkwz vw kc yfwpocjkcn zo {ovy kcxvky{# Wkcgfyfl{, ,ssgA mB!. Flkqhifzd Wfhzfyw Wvpfy}kwkcn Pyopfyz{ Hppyhkwfy Kc}fwzknhzoy Fcmoygfbfcz Jk}kwkoc

Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

Embed Size (px)

Citation preview

Page 1: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 1/32

WZHZF OM GHLKMOYCKH " IVWKCFWW# ZYHCWPOYZHZKOC HCJ DOVWKCN HNFCG[ FJBVCJ N# IYO^C AY#, NO]FYCOY

OMMKGF OM YFHL FWZHZF HPPYHKWFYW8809 X WZYFFZ, WVKZF :800

WHGYHBFCZO, GH ;6488 " =67;

mkkK $;8=+ 669 " ;000

y ~~~#oyfh#gh#no}

Bhygd 99, 9088

Ihc+, W# Mhnhc

90:>6 Yogh Gdkgh Jy#

Bhlkiv, Ghlkmoyckh ;09=6

Gobplhkcz Co# 880799"0;

Jfhy Ihyy{ W# Mhnhc1

Zdkw ~kll hgeco~lfjnf zdf yfgfkpz om {ovy gobplhkcz yfmfyfcgfj hio}f#

Zdf kc}fwzknhzk}f wzhmm om zdf Ommkgf om Yfhl Fwzhzf Hppyhkwfyw $OYFH+ yf}kf~w fhgd gobplhkcz

oiafgzk}fl{ hcj gocwkjfyw h }hykfz{ ommhgzoyw kc pykoykzkqkcn ghwfw moy kc}fwzknhzkoc# Hlzdovnd

~f hyf vchilf zo jfzfybkcf do~ locn kz bh{ zhef moy zdkw kc}fwzknhzkoc zo if gobplfzfj, {ov ghcif hwwvyfj zdhz ~f ~kll pyogffj kc hw ftpfjkzkovw h bhccfy hw kw powwkilf# Plfhwf cozf zdhz {ov

bh{ if goczhgzfj km ~f mkcj zdhz hjjkzkochl kcmoybhzkoc kw ~hyyhczfj hcj {ov bh{ if ghllfj vpoc

zo zfwzkm{ hz hc hjbkckwzyhzk}f dfhykcn km kz ifgobfw cfgfwwhy{ hcj kw hppyopykhzf#

Kz kw kbpoyzhcz zo vcjfywzhcj zdhz zdf mvcgzkoc om OYFH kw zo pyozfgz zdf pvilkg i{ fcmoygkcn

wzhcjhyjw om pyomfwwkochl fzdkgw hcj gobpfzfcg{ hbocn lkgfcwfj hppyhkwfyw# Zdf kc}fwzknhzk}f

pyogfww kw gocmkjfczkhl hcj ihwfj wolfl{ oc zdf mhgzvhl f}kjfcgf oizhkcfj# Kz kw coz zdf mzbgzkoc

om OYFH zo hgz hw hc hj}oghzf moy fkzdfy zdf gocwvbfy oy zdf hppyhkwfy jvykcn zdf kc}fwzknhzk}f

pyogfww# Km {ov hyf wffekcn zo yfgo}fy bocfzhy{ jhbhnfw, fcmoygf h goczyhgz oy oizhkc lfnhl

hj}kgf, ~f fcgovyhnf {ov zo goczhgz hc hzzoycf{ oy {ovy loghl Ifzzfy Ivwkcfww Ivyfhv wkcgf

OYFH kw vchilf zo pyo}kjf {ov ~kzd zdfwf wfy}kgfw# [ov ~kll if cozkmkfj i{ OYFH ~dfc zdf

kc}fwzknhzk}f pyogfww dhw iffc gocglvjfj#

Km {ov dh}f hc{ xvfwzkocw, plfhwf goczhgz bf hz zdf hio}f hjjyfww oy i{ ghllkcn $;8=+ 669";090#Plfhwf yfmfyfcgf zdf hio}f gobplhkcz cvbify zo hwwkwz vw kc yfwpocjkcn zo {ovy kcxvky{#

Wkcgfyfl{,

, ssgA mB!.Flkqhifzd Wfhzfyw

Wvpfy}kwkcn Pyopfyz{ Hppyhkwfy Kc}fwzknhzoy

Fcmoygfbfcz Jk}kwkoc

Page 2: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 2/32

LH^ OMMKG FW O M IHYY[ W # MHNHC

OMMKGF OM YFHL FWZHZF HPPYH KWFYW

8809 X WZYFFZ, WV KZF :800

WHGYHBFCZO,GH ;6488¾=67;H zzc 1 F lkq hi fzd W fhzf yw

YF 1 AHBFW FIFYZ

GOBPLH KCZ CO # 880799"0;Bh{ 8=, 900> Hpp yh kwh l mo y1

90:>6 Y ogh G dkgh J y# B hlkiv, G H ;09=6

Ihyy{ W# Mhnhc } ^ fllw Mhyno Ihce5 Fifyz Hppyhkwhl Wfy}kgf Kcg# fz hl#

WGl890::

Hpykl 9;, 9088

Jfhy B w # W fh zf yw5

K Ihyy{ Mhnhc dfyfi{ hgeco~ lfjnf yfgfkpz om {ovy oynhckqhzkocw lfzzfy jhzfj B hygd

99,9088#

K ~ kwd zo wvpplfb fcz b { gob plhkcz ~ kzd hjjkzkochl kcmoyb hzkoc hcj f}kjfcgf om B y#

F if yz.w p yo mfww ko chl b kwgo cj vg z#

Plfhwf mkcj zdf mollo~ kcn z~o vcwolkgkzfj fb hklw zdhz K yfgfk}fj oc Wvcjh{ H pykl 80,9088 myob B y# Ahb fw F ifyz#

FBHKL 81

Dfllo, Ihyy{, myob Ahbfw Fifyz

Oc Wvc, :/80/88, Ahbfw Fifyz <ahbfw@fhw9#gob3 ~yozf1

Myob1 Ahbfw Fifyz #xhbfw@fhw9#gob3

Wviafgz1 Dfllo, Ihyy{, myob Ahbfw Fifyz

Zo1 pfcjkcnlh~wvkz@{hdoo#gob

Jhzf1 Wvcjh{, Hpykl 80, 9088,610= PB

):8088

By# Ihyy{ Mhnhc,

PO IOT 8987, BHLKIV ,GH ;09=6"8987PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 3: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 3/32

LH^ OMMKGFW OM IHYY[ W # MHNHC

K ghc wff myob zdf 900% phnfw jogvbfcz jflk}fyfj zo bf, zdhz {ov hyf }fy{ myvwzyhzfj

~kzd zdf ihcekcn kcjvwzy{ hcj zdf ~h{ kz dhw kbphgzfj {ov, {ovy ~kmf hcj {ovy ~ocjfymvl

gdkljyfc# K~kwd {ov zdf ifwz om lvge oc {ovy hzzfbpzw zo nhkc wobfzdkcn myob ^fllw

Mhyno hcj zdf ozdfy mkybw zdhz pyf{ oc dhplfww dobfo~cfyw ghvndz kc zdf yfgfwwkoc#

Ivz kz hppfhyw zdhz yopkcn bf kc oc zdkw, kw h wzyfzgd, hcj kz wffbw zo hgzvhll{ ~fhefc {ovy

ghwf# Mkywzl{, Kdh}f cozdkcn zo nk}f {ov, oy f}fc hc{ hzzoycf{# B{ pyomfwwkoc dhw iffcdkz avwz hw dhyj hw {ovy mkflj# B{ kcgobf dhw jyoppfj zo dhlm om pyf}kovw zkbfw5 Kghc co

locnfy zhef zkbf zo wpfcj hc hmzfycooc ~kzd b{ io{w, plh{kcn h lkzzlf nolm, lkef zdf olj

zkbfw, oy zhekcn zdf ~kmf ovz moy h bojfwz jkccfy# Khb ~oyekcn 800"dovyw fhgd ~ffe,

avwz zo nfz zdf lkzzlf pfcckfw zdhz hyf ovz zdfyf#

Zdkw ~fhefcw {ovy ghwf, ifghvwf {ovy ghwf kw ihwfj oc zdf lohc zdhz ~hw pvwdfj i{ zdf

gobbkwwkoc"ihwfj ^fllw ihcefyw, ~kzdovz hc{ ghyf oy zdovndz om {ovy gocwfxvfcgfw#

Zdf{ bhjf zdfky gobbkwwkoc, hcj zdfc wolj {ovy lohc ovz zo ^hll Wzyffz# [ov dh}f zykfj

zo nfz lohc bojkmkghzkocw, ivz zdfky plhc kw zo avwz h}okj {ov vczkl {ov nk}f vp, hcj zdf{

~kc# Zdf{ nfz myff bocf{ myob zdf Mfjw, zo jo zdfky jfyk}hzk}f zyhjkcn, zdhz bhefw zdfb

boyf bocf{ i{ nhbilkcn ~kzd ozdfy pfoplf.w bocf{, zdhc zdf{ bhef jokcn lohcw#

Wkcgf zdf ihcew o~c dhlm om zdf Hppyhkwhl Bhchnfbfcz Gobphckfw, zdf{ hyf co~ bhekcn

*900 moy fhgd lohc hpplkghzkoc, hw zdf{ gdhynf *600 moy hc hppyhkwhl, zdfc wekb omm :0&

moy zdfky o~c pogefzw, zdfc ommfy *8>6 zo hc ovz"om"hyfh hppyhkwfy zo jo zdf hppyhkwhl#

^dfc zdf }hlvf gobfw ihge lo~, zdf{ joc.z ghyf, zdf{ effp zdf mff, hcj zdf hpplkghcz kw

ovz f}fc boyf bocf{# ^dkgd kw ~d{ hppyhkwfyw hyf wvmmfykcn hw ~fll, bhekcn dhlm zdfky

moybfy mffw, {fz whjjlfj ~kzd 60& boyf ~oye moy fhgd mklf#

Keco~ {ov dh}f wpfcz boczdw oy {fhyw nfzzkcn zdkw yfhj{ zo no, hcj kz dhw iffc dkndl{

jkwzyhgzkcn myob {ovy mhbkl{, zoo# Lkef ~kzd bf hcj b{ mhbkl{, zdkw kw zkbf {ov ~ovlj

yhzdfy if wpfcjkcn dflpkcn zdfb ~kzd dobf~oye, zfhgdkcn zdfb lkmf wekllw, wdhykcn wobfao{ ~kzd do~ lkmf ghc if, lk}kcn kc wvgd h ifhvzkmvl gobbvckz{ ivz zdhz {ov ghccoz,

jvf zo zdf bkwmoyzvcf zdhz dhw wbhgefj kczo {ov hcj {ovy pyomfwwkoc#

Kpolkzfl{ hwe zdhz {ov bojkm{ {ovy gobplhkcz, hcj yfbo}f bf, hcj hlwo ~kzdjyh~ {ovy

gobplhkcz zo zdf wzhzf OYFH# Zdkw kw coz nokcn zo dflp {ov, kz ~kll jklvzf {ovy fcfyn{ hcj

{ovy ghwf# Kjkj h nooj hppyhkwhl moy {ov, hw Khl~h{w jo# [ovy wzhzf gobplhkcz ~kll

jkwzyhgz zdf wzhzf ommkgf5 zdf{ ~kll wpfcj zdfky bfhnfy yfwovygfw oc {ovy ifdhlm, hcj mkcj

zdfyf kw co bfykz zo {ovy gobplhkcz# Bfhc~dklf ozdfy zyvf gykbkchlw hcj vcwgyvpvlovw

hppyhkwfyw ~kll wzkll if yohbkcn zdf wzyffzw, dvyzkcn bhc{ boyf mhbklkfw hcj zdfky gdkljyfc,

~kzd zyvl{ }kgkovw hgzk}kz{# Khb dopkcn zdhz Kghc kcwzfhj wpfcj zdhz zkbf dflpkcn b{ ekjw

~ kzd zdfky dob f~ oye, hcj b h{if wx vffqf kc h jh{ ~ kzd zdfb hz Q vb h I fhgd, yhzdfy zdhcdh}f zo ~oye wo dhyj zo nhkc hjjkzkochl kcgobf zo wpfcj kz oc mkndzkcn h coybhll{ nooj

nv{, h zfyykmkg mfllo~ ~do bfhcw ~fll, ~do dhw iffc dvyz wo ihjl{#

PO IOT 8987, BHLKIV, GH ;09=6"8987

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 4: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 4/32

LH^ O MM KG F W O M IHYY[ W # MHNHC

Mfflmyff zo goczhgz bf hz hc{ zkbf# K ~kwd {ov zdf }fy{ ifwz moy {ov hcj {ovy mhbkl{#

Ifwz Yfnhyjw,

Ahbfw Fifyz

484;;8 ;799)

FBHKL 91

Dfllo, Ihyy{, Dhpp{ Wpykcn, myob Ahbfw

Fifyz• Myob1 Ahbfw Fifyz ahbfw@fhw9#gob

Jhzf1 Wvc, 80 Hpy 9088 0;196196 "0>00

Zo1 ihyy{@ghlkmoyckhfxvkz{yfhlz{#gobWviafgz1 Dfllo,Ihyy{, Dhpp{ Wpykcn, myob Ahbfw Fifyz

):8088

By# Ihyy{ Mhnhc,

Kghc wff myob zdf 900% phnfw jogvbfcz jflk}fyfj zo bf, zdhz {ov hyf }fy{myvwzyhzfj ~kzd zdf ihcekcn kcjvwzy{ hcj zdf ~h{ kz dhw kbphgzfj {ov, {ovy

~kmf hcj {ovy ~ocjfymvl gdkljyfc# K~kwd {ov zdf ifwz om lvge oc {ovyhzzfbpzw zo nhkc wobfzdkcn myob ^fllw Mhyno hcj zdf ozdfy mkybw zdhz pyf{oc

dhplfww dobfo~cfyw ghvndz kc zdf yfgfwwkoc#

Ivz kz hppfhyw zdhz yopkcn bf kc oc zdkw, kw h wzyfzgd, hcj kz wffbw zo

hgzvhll{ ~fhefc {ovy ghwf# Mkywzl{, Kdh}f cozdkcn zo nk}f {ov, oy f}fc hc{

hzzoycf{# B{pyomfwwkoc dhw iffc dkz avwz hw dhyj hw {ovy mkflj# B{kcgobf

dhw jyop pfj zo dhlm om pyf}kovw zkb fw5 K ghc co locnfy zhef zkb f zo wp fcj hchmzfycooc ~kzd b{ io{w, plh{kcn h lkzzlf nolm, lkef zdf olj zkbfw, oy zhekcnzdf ~kmf ovz moy h bojfwz jkccfy# Khb ~oyekcn 800"dovyw fhgd ~ffe, avwz zonfz zdf lkzzlf pfcckfw zdhz hyf ovz zdfyf#

Zdkw ~fhefcw {ovy ghwf, ifghvwf {ovy ghwf kw ihwfj oc zdf lohc zdhz ~hw

POIOT8987, BHLKIV,GH;09=6"8987PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL#780#>8>#8>;0

Page 5: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 5/32

LH^ OMMKGFW OM IHYY[ W# MHNHC

pvwdfj i{ zdf gobbkwwkoc"ihwfj ^fllw ihcefyw, ~kzdovz hc{ ghyf oy zdovndz

om{ovy gocwfxvfcgfw# Zdf{ bhjf zdfky gobbkwwkoc, hcj zdfc wolj {ovy lohc

ovz

zo ^hll Wzyffz# [ov dh}f zykfj zo nfz lohc bojkmkghzkocw, ivz zdfky plhc kwzo avwz h}okj {ov vczkl {ov nk}f vp, hcj zdf{ ~kc# Zdf{ nfz myff bocf{ myob

zdf Mfjw, zo jo zdfky jfyk}hzk}f zyhjkcn, zdhz bhefw zdfb boyf bocf{ i{

nhbilkcn ~kzd ozdfy pfoplf.w bocf{, zdhc zdf{ bhef jokcn lohcw#

Wkcgf zdf ihcew o~c dhlm om zdf Hppyhkwhl Bhchnfbfcz Gobphckfw, zdf{ hyf

co~bhekcn *900 moy fhgd lohc hpplkghzkoc, hw zdf{ gdhynf *600 moy hc hppyhkwhl,zdfc wekb omm :0& moy zdfky o~c pogefzw, zdfc ommfy *8>6 zo hc ovz"om"hyfh

hppyhkwfy zo jo zdf hppyhkwhl# ^dfc zdf }hlvf gobfw ihge lo~, zdf{ joc.zghyf, zdf{ effp zdf mff, hcj zdf hpplkghcz kw ovz f}fc boyf bocf{# ^dkgd kw~d{ hppyhkwfyw hyf wvmmfykcn hw ~fll, bhekcn dhlm zdfky moybfy mffw, {fz

whjjlfj ~kzd 60& boyf ~oye moy fhgd mklf#

Keco~ {ov dh}f wpfcz boczdw oy {fhyw nfzzkcn zdkw yfhj{ zo no, hcj kz dhwiffc dkndl{ jkwzyhgzkcn myob {ovy mhbkl{, zoo# Lkef~kzd bf hcj b{ mhbkl{,zdkw kw zkbf {ov ~ovlj yhzdfy if wpfcjkcn dflpkcn zdfb ~kzd dobf~oye,

zfhgdkcn zdfb lkmf wekllw, wdhykcn wob f ao{ ~ kzd do~ lkmf ghc if, lk}kcn kcwvgd h ifhvzkmvl gobbvckz{ ##ivz zdhz {ov ghccoz, jvf zo zdf bkwmoyzvcf zdhz

dhw wbhgefj kczo {ov hcj {ovy pyomfwwkoc#

Kpolkzfl{ hwe zdhz {ov bojkm{ {ovy gobplhkcz, hcj yfbo}f bf, hcj hlwo

~kzdjyh~ {ovy gobplhkcz zo zdf wzhzf OYFH# Zdkw kw coz nokcn zo dflp {ov,kz ~kll jklvzf {ovy fcfyn{ hcj {ovy ghwf# Kjkj h nooj hppyhkwhl moy {ov, hw

Khl~h{w jo# [ovy wzhzf gobplhkcz ~kll jkwzyhgz zdf wzhzf ommkgf5 zdf{ ~kllwpfcj zdfky bfhnfy yfwovygfw oc {ovy ifdhlm, hcj mkcj zdfyf kw co bfykz zo

{ovy gobplhkcz# Bfhc~dklf ozdfy zyvf gykbkchlw hcj vcwgyvpvlovw

hppyhkwfyw~kll wzkll if yohbkcn zdf wzyffzw, dvyzkcn bhc{ boyf mhbklkfw hcj zdfky

gdkljyfc, ~kzd zyvl{ }kgkovw hgzk}kz{# Khb dopkcn zdhz Kghc kcwzfhj wpfcj

zdhz zkbf dflpkcn b{ ekjw ~kzd zdfky dobf~oye, hcj bh{if wxvffqf kc h jh{~kzd zdfb hz Qvbh Ifhgd, yhzdfy zdhc dh}f zo ~oye wo dhyj zo nhkchjjkzkochlkcgobf zo wpfcj kz oc mkndzkcn h coybhll{ nooj nv{, h zfyykmkg mfllo~ ~dobfhcw ~fll, ~do dhw iffc dvyz wo ihjl{#

POIOT8987, BHLKIV,GH;09=6"8987PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL#780#>8>#8>;0

Page 6: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 6/32

LH^ OMMKGFW O M IHYY[ W # MHNHC

Mffl myff zo goczhgz bf hz hc{ zkbf# K ~kwd {ov zdf }fy{ ifwz moy {ov hcj

{ovy mhbkl{#

Ifwz Yfnhyjw,

Ahbfw Fifyz

484 ;;8 ;799)

!Kcglvjfj kc zdfwf fbhklw ~fyf 7 #apn pkgzvyfw om dkw gdkljyfc#

8 ( Wbklfw hz Qvbf JWGC60:0APN

• 9 OB- N ~ zocnvf#apn

• 7 ( Io{w kc zdf#apn

Hw {ov ghc wff, zdfwf fbhklw ~fyf xvkzf jkwzvyikcn hcj kc b{ opkckoc kczfcjfj zo oiwzyvgz

avwzkgf#

Plfhwf hlwo mkcj zdf mollo~kcn mkcjkcnw om mhgz ~dfc yf}kf~kcn zdf hzzhgdfj Bh{ 8=,900>

Hppyhkwhl1

8# Gobphyhilf Whlf '8# 909:7 Pkfjyh Gdkgh Jy# wolj moy *8,4>6,000# Zdf loz wkqf kw

84,8>4 wx# mz# hcj kw oc h bvgd xvkfzfy wzyffz hz zdf fcj om h gvK jf whg ~kzd wvpfykoy ogfhc

}kf~w hlocn ~kzd wvpfykoy nyovcjw#

9# Gobphyhilf Whlf '9# 90468 Ikn Yoge Jy# ~ovlj if gocwkjfyfj hc fwzhzf pyopfyz{ hcj

kw loghzfj ifdkcj pyk}hzf nhzfw ~kzd jyhbhzkg ogfhc }kf~w# Zdf pdozo kc By# Fifyz.w

hppyhkwhl hppfhyw zo if om zdf yfhy {hyj# Zdf pdozo hppfhyw zo if myob zdf BLW oy myob

wobf yfhl fwzhzf ~fiwkzf wvgd hw Dobfw hcj Lhcj# Nk}fc zdhz zdkw kw h nhzfj fwzhzf, kz kw

dkndl{ jovizmvl zdhz By# Fifyz f}fc ~fcz zo zdf pyopfyz{ lfz hlocf zhef zdf jyhbhzkg pdozo

hw wdo~c kc zdf Bh{ 8=,900> hppyhkwhl#

7# Gobphyhilf Whlf '7# By# Fifyz vwfj h pdozo jkyfgzl{ myob zdf BLW# $BLW' 0="

88407>+ 90:>0 Yo{hl Wzocf Jy# wdhyfw h gobboc yfhy {hyj mfcgf ~kzd 90:>6 Yogh Gdkgh

Jy# hcj wolj moy *8,:80,000# Zdkw ~hw *=;0,000 lfww zdhc By# Fifyz Hppyhkwfj 90:>6

Yogh Gdkgh Jy# moy, hcj {fz kw oc h wvpfykoy loz ~kzd ifzzfy ogfhc }kf~w hcj oc h xvkfzfy

wzyffz# Vwkcn pdozow myob h wovygf ozdfy zdhc zdf hppyhkwfy.w o~c ghbfyh kw h wzyocn

PO IOT 8987, BHLKIV, GH ;09=6"8987

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 7: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 7/32

LH^ OMMKG FW O M IHYY[ W # MHNHC

kcjkghzkoc zdhz zdf hppyhkwfy ~hw coz f}fc pyfwfcz hz zdf pyopfyz{ jvykcn zdf govywf om dkw

hppyhkwhl#

:# Gobphyhilf whlf ': 987>0 Yhbilh ]kwzh kcglvjfw dkndl{ jfwkyhilf jffjfj ifhgd hcj

zfcckw ykndzw hcj kw kc h gobplfzfl{ jkmmfyfcz cfkndioydooj# Zdkw dobf ~hw ivklz kc 9009

hcj dhw 7,9;6 wx# mz# om kczfykoy wphgf ~kzd wvpfykoy ogfhc }kf~w#

6# Gobphyhilf Whlf '6 9060: Yogh Gdkgh ~hw ocl{ h gvyyfcz lkwzkcn zdhz cf}fy kc mhgz

wolj# Zdkw dobf kw h ilvmm wkjf wvpfykoy ogfhc }kf~ pyopfyz{,

=# Gobphyhilf Whlf '=# By# Fifyz kjfczkmkfj 90:9= Yogh Gdkg h Jy# hw ifkcn h gvyyfcz

lkwzkcn kc 900> ~kzd h lkwz pykgf om *8,4;6,000#

Do~f}fy, h wfhygd om zdf BLW lkwzkcn dkwzoy{ ocl{ wdo~w zdkw dobf ~hw lkwzfj moy

*8,49;,000 hcj ~hw cf}fy kc mhgz lkwzfj hz *8,4;6,000# $plfhwf wff lkwzkcn dkwzoy{ BLW '

0>"8>4477 hcj BLW' 0>"8>;=0;++

06/0>/900> *8,49;,000 90 0>"8>4477 ::60"087"0>490:9= YOGH GDKGH JY T>9==>

8t=9>40 Hgzk}f 0:/96/900> 0:/8>/900> *8,49;,000 98 0>"8>4477 ::60"087"0>4

90:9= YOGH GDKGH JY T>9==> 8t=9>40 Cf~ Lkwzkcn 0:/84/900>0:/8>/900>

*8,49;,000

0>"8>;=0;! ::60"087"0>4 90:9= YOGH GDKGH JY B9000979 8 L0=9:9 Hgzk}f0:/96/900>0:/8>/900> *8,49;,000 hcj kc mhgz zdf pvilkg yfgoyjw kcjkghzfw h )wfzzlfj

jhzf) om Bh{ 80,900> moy *8,>00,000,= jh{w pykoy zo zdf Bh{ 8=,900> hppyhkwhl moy

*9,800,000#

Hjjkzkochll{1

8# ^kzd yfwpfgz zo Gobp# whlf '=, K jo coz iflkf}f zdf Fifyz hppyhkwhl kcjkghzfj zdhz zdf

pyopfyz{ ~hw vcjfy goczyhgz kc dkw yfpoyz ~kzd h )looekcn moy ihgevp) wzhzvw oy zdf mhgz

zdhz kz ~fcz kczo goczyhgz pfy BLW oc 68>8900>5 iozd om zdfwf mhgzw ~fyf h}hklhilf zo zdf

pvilkg $Fifyz+ hw om zdf jhzf om zdf hppyhkwhl hcj zdvw govlj glhwwkmkfj hw hc fyyoy kc mhgzw

hiovz kzw )lkwz) wzhzvw# Mvyzdfyboyf, ocf govlj wpfgvlhzf zdhz zdf hpphyfcz obkwwkoc om

zdfwf mhgzw govlj powwkil{ bfhc zdhz Fifyz jkj coz zhef zdf zkbf zo pfymoyb hc{ jvf

jklknfcgf kczo zdkw bhzzfy5 jvf jklknfcgf wvgd hw ghllkcn zdf lkwzkcn hnfcz zo mkcj ovz ~dfc

zdf pyopfyz{ kw ftpfgzfj zo glowf fwgyo~ hcj km zdf hnfcz bkndz if gobmoyzhilf jkwglowkcn

zdf pfcjkcn whlfw pykgf oy ommfykcn h pykgf yhcnf dkcz# Mvyzdfyboyf, kz hppfhyw zdhz hc

fyyoy govlj dh}f iffc bhjf hw zdf yfgoyjw jo coz yfmlfgz hc{ f}kjfcgf zdhz zdf pyopfyz{

~hw f}fy lkwzfj moy whlf hz *8,4;6,000, ocl{ *8,49;,000#

0>"8>4477 ::60"087"0>490:9= YOGH GDKGH JY T>9==> / t=9>40 Looekcn Moy Ihgevp 06804/900>

0680>/900> *8,49;,000 90

PO IOT 8987, BHLKIV, GH ;09=6"8987

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 8: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 8/32

LH^ OMMKGFW OM IHYY[ W# MHNHC

9# HC[ fyyoyw, obkwwkocw hcj vcpyomfwwkochl kwb ifdh}koy yfmlfgzfj kc hc hppyhkwhl govlj

if gocwzyvfj hw kchppyopykhzf hcj kczfczkochl hcj bkwlfhjkcn hcj zdvw govlj if

gocwkjfyfj h }kolhzkoc om VWPHP $Vckmoyb Wzhcjhyjw om Pyomfwwkochl Hppyhkwhl Pyhgzkgf+#

Fthbplfw om hgzw zdhz govlj if gocwkjfyfj bkwlfhjkcn hcj cfnlknfcz hyf $vwf om BLW

pdozow ~dkgd govlj kbpl{ zdhz zdf pyopfyz{ ~hw coz pd{wkghll{ oiwfy}fj5 lhge om

hjavwzbfczw moy hyfhw zdhz ~ovlj z{pkghll{ yfxvkyf hjavwzbfczw5 lhge vzkl kqkcn zdf iyoefy.w

om zdf gobphyhilf whlfw hw h jhzh wovygf kc oyjfy zo hwgfyzhkc boyf hggvyhzf pyopfyz{gdhyhgzfykwzkgw5 lhge om gobbfczw kcjkghzkcn ~dfyf zdf )gobpw) vwhilf loz hyfh mknvyfw

ghbf myob $Lf# ~dfyf zdf vwhilf loz hyfh mknvyfw zhefc myob h lfnkzkbhzf hcj hggvyhzf

wovygf oy ~dfyf zdf{ wkbpl{ h yhcjob nvfww bhjf zo kczfczkochll{ gyfhzf hc hjavwzfj

}hlvf zdhz wvkzw zdf pvypowfw om zdf hppyhkwfy.w }hlvf kczfcz+5 hcj, zdf vwf om whlfw zdhz

hyf coz )gobpw) ivz wkbpl{ hyfh whlfw $k#f# pyopfyz{ hz 90468 Ikn Yoge Jyk}f movcj kc

Gobphyhilf Whlf Co#9+ govlj if }fy{ bkwlfhjkcn hw omzfc hjavwzbfczw hpplkfj zo h coc

gobp bh{ coz hggvyhzfl{ yfmlfgz zyvf }hlvf jkmmfyfcgfw#

Zdkw kcgoyyfgz pykgf wdovlj if gocwkjfyfj h nyoww fyyoy ~dkgd hz ifwz kw cfnlknfcgf hcj hz

~oywz kw kczfczkochll{ bkwwzhzfj zo eco~kcnl{ hcj hyzkmkgkhll{ kcmlhzf zdf }hlvf om 90:>6

Yogh Gdkgh Jy# zo *9,800,000# Zhefc hw h ~dolf, b{ gobplhkcz hnhkcwz By# Fifyz

wvnnfwzw zdf )hz ~oywz) wgfchyko#

K hb ocl{ zy{kcn zo yfpyfwfcz zdf mhgzw hw zdf{ yflhzf zo b { B h{ 8=, 900> hppyhkwhl#

B { glhkb w hnhkcwz ^ fllw Mhyno hcj Fifyz Hppyhkwhl Wfy} kgf hyf xvkzf wovcj# Iflo~

plfhwf mkcj hc Hpykl 96, 9088 hyzkglf zdhz ~hw pvilkwdfj i{ C fkl N hymkflj hz

D ZZ P1//L K] KCNLKF W#^OYJPYFWW #GOB go cgfyc kc n zd f mhgzw om b { ghwf#

NOOJ PLFHJKCN " MHNHC ] ^FLLW MHYNO F Z H L

8# Zdf mkywz zdkcn zdhz kw kbpoyzhcz zo cozf kw zdf kjfczkz{ om zdf jfmfcjhczw

wvfj i{ Mhnhc1 Ifwkjfw ^fllw Mhyno, df chbfw Hbfykghc Wfgvykzkfw

Gobphc{, Z#O# Wfy}kgf Gobphc{ hcj Fifyz Hppyhkwhl Wfy}kgf Kcg# Df zdvw

wfzw zdf wzhnf moy hzzhgekcn zdf yfhlkz{ om zdf zyhcwhgzkoc df ~hw zykgefj

kczo# Chbkcn zdf Wfy}kgf Gobphc{ hcj zdf Hppyhkwhl Gobphc{ kw jkmmfyfcz

myob ~dhz bowz pfoplf hyf jokcn hcj df yfhll{ pvywvfw iozd zdfb hcj zdf

wfy}kgf gobphc{ zdhz kckzkhzfj zdf moyfglowvyf pyogffjkcn#

9# Zdf wfgocj zdkcn om kbpoyzhcgf kw zdfmklkcn om zdf oiafgzkoc zo jkwglhkbfyolcoc"bocfzhy{ wzhzvw om Z#J#Wfy}kgf#Zdkw kw zdf mkywz zkbf Kdh}f wffc

wobfocf )nfz kz) hcj yfhlkqf zdhz Z#O#oy hc{ gobphc{ zdhz kckzkhzfwmoyfglowvyfw kw pyoihil{ goczyollfj i{ ocf om zdf ^hll Wzyffz ihceyvpzg{

yfbozf wdfllw, hcj kw COZh phyz{ ~kzdovz hc kczfyfwz kc zdf ovzgobf# Zdhz

kw ~d{ ~f wff wviwzkzvzkocw om zyvwzff f}fy{ zkbf zdfyf kw h moyfglowvyf#

^d{ kw zdhz cfgfwwhy{ """ pyfgkwfl{ ifghvwf, hw Mhnhc pokczw ovz, zdhz hc

hyb.w lfcnzd gobphc{ ~kzd co kczfyfwz kc zdf pyogffjkcn ~ovlj cf}fy jo

PO IOT 898 7, BHL KIV ,GH ; 09 =6 "8 98 7

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780 #>8> #8>;0

Page 9: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 9/32

LH^ OMMKGFW OM IHYY[ W# MHNHC

~dhz Z#J#kw jokcn ifghvwf om zdf pozfczkhl ftpowvyf zo lkhiklkz{ """ hcj

ifghvwf Z#0# hcj ozdfyw lkef kz hyf wkpdockcn omm zdf bocf{ zdhz govlj

ozdfy~kwf no zo zdf kc}fwzoy"lfcjfyw#

7# Hw K dh}f yfpfhzfjl{ whkj, zdf gocwfcwvw omlh~{fyw kw zdhz ~kzdovz

oiafgzkcn zo F]FY[ZDKCNov hyf gocgfjkcn zdhz zdfyf bkndz if h wdyfj

omlfnkzkbhg{ zo ~dhz kw glfhyl{ h gobplfzfl{ myhvjvlfcz glhkb, myhvjvlfcz

moyfglowvyf oc h myhvjvlfcz boyznhnf wfgvykcn h myhvjvlfcz cozf# Mhnhc

hggvwfw ZJom pyogffjkcn jfwpkzf zdfky eco~lfjnf zdhz ^fllw Mhyno ~hw

coz zdf gyfjkzoy, coz zdf yfhl phyz{ kc kczfyfwz, lhgefj wzhcjkcn, dhj co

bocf{ kc zdf jfhl, ~hw coz zdf lfcjfy hcj cf}fy pvygdhwfj zdf yfgfk}hilf#

:# Kc hjjkzkoc Mhnhc, oi}kovwl{ eco~lfjnfhilf hiovz zdf hgzvhl pyogfjvyfw

kc vwf, zdyvwzw dkw lkzknhzkoc jhnnfy kczo zdf dfhyz om zdf bhzzfy i{ hllfnkcn

zdhz zdf pfywoc wknckcn zdf phpfyw, ifwkjfw lhgekcn hvzdoykz{, lhgefj hc{

eco~lfjnf om zdf zyhcwhgzkoc, hcj dhj co ~h{ om eco~kcn zdf kjfczkz{ om

zdf yfhl gyfjkzoy ftgfpz zdhz ^fllw Mhyno kw plhkcl{ flkbkchzfj hw h yfhl

gyfjkzoy#

6# Lhwzl{, Mhnhc hzzhgew hz zdf Hgdkllfw dfhl om zdf wfgvykzkqhzkoc kllvwkoc1 zdhz

zdf zyhcwhgzkoc oggvyyfj ifz~ffc zdf ioyyo~fy hcj hc vcjkwglowfj

gyfjkzoy, zdhz zdf glowkcn jogvbfczw yfmlfgzfj cocf om zdf yfhlkzkfw om zdf

yfhl zyhcwhgzkoc, hcj zdhz co hzzfbpz ~hw bhjf zo gocmoyb zo zdf zdf

yfxvkyfbfczw om zdf poolkcn hcj wfy}kgf hnyffbfcz yfnhyjkcn zdf zyhcwmfy

om zdf yfgfk}hilf, zdf cozf $mhzhll{ jfmfgzk}f hc{~h{+ hcj jffj om zyvwz

$mhzhll{ jfmfgzk}f hc{~h{+# Df wpfgkmkghll{ chbfw moy fthbplf zdhz zdf

hllfnfj hwwkncbfczw, f}fc pvzzkcn hll zdf jfmfgzw kc zdf kcwzyvbfcz kzwflm

hwkjf, kw ftfgvzfj mhy phwz zdf gvz"omm jhzf wzhzfj kc zdf poolkcn hcj

wfy}kgf hnyffbfcz# Zdkw gyfhzfw h jovilf }kolhzkoc om zdf PWH,zo ~kz1 zdhz

zdf hwwkncbfcz cffjw zo if yfgoyjfj oy kc yfgoyjhilf moyb ~kzdkc ;0 jh{w

om zdf gyfhzkoc om zdf pool, hcj zdf )hwwfz) bvwz gocwkwz om h yfhl hwwfz

bfhckcn ocf zdhz kw pfymoybkcn hcj coz kc jfmhvlz#

=# Hc{ yfhwochilf pfywoc ghc vcjfywzhcj zdhz zdf yvlfw hggfpzfj i{ zdf

kc}fwzoy"lfcjfyw ~fyf zdhz zdf{ ~ovlj if yfgfk}kcn pfymoybkcn lohcw

gobpl{kcn $hw pfy zdf PWH+~kzd kcjvwzy{ wzhcjhyj vcjfy~ykzkcn

PO IOT 8987, BHLKIV, GH ;09=6"8987

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 10: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 10/32

LH^ OMMKGFW OM IHYY[ W# MHNHC

nvkjflkcfw, hcj ~kzdkc zdf zkbf pfykojw pyfwgykifj i{ zdf PWH#Ozdfy~kwf

zdf kc}fwzoy"lfcjfy dhw hj}hcgfj bocf{ moy cozdkcn, ~dkgd kw ~d{ zdf{

hyf co~ hll wvkcn zdf kc}fwzbfcz ihcew hcj COCFom zdf kc}fwzoyw kw

bhekcn hc{ glhkbw hnhkcwz zdf dobfo~cfyw5 kc mhgz zdf kc}fwzoyw hyf

hllfnkcn zdf boyznhnfw ~fyf ihj myob zdf ifnkcckcn hcj hyf

vcfcmoygfhilf# WO~f dh}f zdf hgzvhl lfcjfy hnyffkcn ~kzd zdf hgzvhl

ioyyo~fy zdhz zdf yfhl zyhcwhgzkoc kw coz zdf yfmfyfcgf pokcz om zdf glowkcn

jogvbfczw hcj zdfyfmoyf zdf glowkcn jogvbfczw hyf bfyfl{ phyz om hc

kllvwkoc om vcjfy~ykzkcn boyznhnfw hcj wfgvykzkqkcn zdfb, cfkzdfy om

~dkgd hgzvhll{ oggvyyfj#

># Zdf cftz zdkcn zo cozf kw zdhz Mhnhc mklfj h }fykmkfj gobplhkcz """ yfxvkykcn

kc Ghlkmoyckh, h }fykmkfj yfwpocwf# Zdkw pvzw zdf ozdfy wkjf hz afophyj{ moy

pfyavy{ pyowfgvzkoc ifghvwf km Mhnhc kw ykndz, hcj K hb wvyf df kw, cocf om

zdfwf phyzkfw ghc mklf h }fykmkfj yfwpocwf ~dkgd ~ovlj yfxvkyf zdf

wknchzvyf omh gobpfzfcz ~kzcfww# Hgobpfzfcz ~kzcfww kw ocf ~do zhefw

hc ohzd, dhw pfywochl eco~lfjnf zdyovnd dkw/dfy o~c wfcwfw om zdf mhgzw

oy wzhzfbfczw hllfnfj, dhw pfywochl yfgollfgzkoc om zdowf mhgzw hcj kw hilf

zo gobbvckghzf zdhz eco~lfjnf#

4# Mhnhc hlwo kcglvjfw h gobpfllkcn hynvbfcz hcj plfhjkcn moy xvkfz zkzlf

zdhz K yfgobbfcj yfhjkcn hcj vwkcn moy zdowf kc lkef wkzvhzkocw#

;# Hcj bowz kbpoyzhczl{, Mhnhc nofw hnhkc zo zdf dfhyz om zdf wfgvykzkqhzkoc

kllvwkoc, zdf mhlwkz{ omzdf pyfwfczhzkocw bhjf zo iozd kc}fwzoy"lfcjfyw

hcj dobfo~cfyw, hcj zdf bhccfy kc ~dkgd zdf )mhky bhyefz }hlvf) ~hw

kczfczkochll{ bkwwzhzfj zo avwzkm{ zdf kcmlhzkoc om zdf )}hlvf) om zdf ionvw

boyznhnf iocjw wolj zo kc}fwzoy lfcjfyw# Zdf kbpoyzhcgf om zdkw hzzhge

ghccoz if o}fywzhzfj "#" ifghvwf kz jfivcew, ocgf hcj moy hll, zdf b{zd

zdhz nyffj{ vcwgyvpvlovw ioyyo~fyw ghvwfj zdkw bfww# Kz wzhzfw

vcfxvk}oghll{ zdhz zdf }hlvf omzdf pyopfyz{ ~hw kczfczkochll{ o}fywzhzfj

zo kcjvgf Mhnhc hcj bkllkocw om ozdfy ioyyo~fyw kc boyf zdhc 40 bkllkoc

)lohc) zyhcwhgzkocw zo hwwvbf zdhz zdf }hlvf om zdf pyopfyz{ ~hw ~oyzd mhy

boyf zdhc zdf }hlvf om zdf lohc pyojvgz zdf{ ~fyf pvygdhwkcn myob zdf

boyznhnf iyoefy hcj boyznhnf oyknkchzoy# Cfkzdfy zdf kc}fwzoy"lfcjfy

coy zdf dobfo~cfy ~ovlj dh}f f}fc gocwkjfyfj zdf powwkiklkz{ om

fczfykcn kczo zdkw zyhcwhgzkoc ~kzdovz zdf }hlvf om zdf pyopfyz{ ifkcn yfhl

"""hw zdf vlzkbhzf pyozfgzkoc moy zdf kc}fwzoy"lfcjfy hcj zdf dobfo~cfy#

PO IOT 8987, BHLKIV, GH ;09=6"8987

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 11: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 11/32

LH^ OMMKGFW O M IHYY[ W # MHNHC

Zdkw kw ~d{ zdf yfjvgzkoc om pykcgkphl kw co nkmz# Kzkw bfyfl{ h goyyfgzkoc

zdhz kw jvf zo IOZDzdf kc}fwzoy"lfcjfy hcj zdf ioyyo~fy#

Plfhwf mffl myff zo goczhgz bf wdovlj {ov dh}f hc{ xvfwzkocw oy gocgfycw#

Wkcgfyfl{,

Ihyy{ Mhnhc Fwx#

PO IOT 8987, BHLKIV, GH ;09=6"8987

PFCJKCNLH^WVKZ@[HDOO#GOB

ZFL# 780#>8>#8>;0

Page 12: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 12/32

Fifyz Hppyh kwhl Wfy}kgf , Kcg#

~~~#fifyzhppyhkwhlw#gob

M kl f C o # >0606BH

"KWVBBHY[ HPPYHKWHL YFPOYZ

OMH

Wkcnlf Mhbkl{ Yfwkjfcgf

LOGHZFJ HZ190:>6 YOGH GDKGH JY

BHLKIV, GH ;09=6

MOY1

^fllw Mhyno Fxvkz{ Jkyfgz HQ, HV'0>:9:

88=08 C Ilhge Ghc{oc D~{ 9cj Mlooy

Pdofckt, HQ 4609;

IOYYO^FY1

IHYY[ MHNHC

HWOM1

Bh{ 8=, 900>

I[ 1

A h b f w F i f y z

~~~#fifyzhppyhkwhlw#gob

:=0> Lhef} kf~ Ghc{oc Yohj, '967, ' 78>, ^fwzlhef ]kllhnf, GH ;87=8 484#;;8#;79988484#;;8#94== mht

Page 13: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 13/32

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz M k lf C o # > 0 60 6BH

Z df p vy po w f o m z dk w w vbb hy { h pp yh kw hl y fp o yz k w z o p yo } kj f z df l fc jf y/ gl kf c z ~ kz d h c h gg vy hz f, h cj h jf x vh zf l { w vp po yz fj , o p kc ko c o m z df b h ye f z } hl vf o m z df w vi af g z p yo p fy z{ #

P yo pf yz{ Hjjyf ww 90:>6 YO GH GDKGH J Y G kz{ BHLKIV Wzhzf GH Q kp Go jf ;09=6

I oyyo ~f y I HY Y[ M HN HC O .B lf y o m Pvilkg Yfgo yj M hhhc Go vcz} Lo w Hchf lf w

Lf xh l Jf wgykp zko cZyhgz 9=9=7 Lo z 70 $P lf hwf Wf f M vll Z kzlf Yf po yz+

Hwwfwwoy .wPhygf l' ::60"086"084 Zht [f hy 900= Y #F# Zhtf w * Pyo p 87

C fk dio ydo o jC hbf I ko Yo ge hyf h G kz{ o m B hlkiv B lp Y f m f yf c gf=9; "A= GfcwvwZyhgz 4006#08

O ggvphcz lTA O .B lf y a Zf chcz L a ]hghcz Wpfg kh lH wwf wwbfc z w* Cocf U RPVJ DOH* U A pf y {f hy UA pf y b oczd

P yo pf yz} Y k d zw H pp yh kw fj yt l M f f W kb pl f y l Lf hw fd ol j UlO zd fy$j fw gyk if +

H ww kx cb f cz Z{ pf L a P vyg dh wf Zyh cw hg zko c L Ta Y fmk ch cg fZ yh cw hg zk oc l a O zd fy $ jf wg yki f+ D ob f F xv kz{ L kc f o m G yf jkz

L fcjf y# g lk f c z^f l k w M h y c o FXvkz{ J kyf g z HQ, HV'0>:9: Hjjyf ww 88=08 C I lhge Ghc{o c D~} 9cj M lo o y, Pdo fc kt , HQ 4609;

K w z d f wvi af g z p y o p f y z{ gv y yf c k a{ o m m f yf j m o y wh lf o y dhw k z i f fc o m mf y f j m o y wh l f k c z d f l .B ( l }f boc z d wp y ko y 80 z d f f m mf g z k} f jh z f o m z d kw hpp yh k whl ? L a [f w LT aC o

Y fp oyz jh zk w ov ygf $w +vw fj# o mmf ykc n pykgf $w+, hc j jh zf $w +# W ovyg f1 B LW /P vilkg Y fgo yj1 W viaf gz c oz gv yyf czl{ l kw zf j# W viaf gz lhw z zyh cwmf yyf j o }f y 8 0k {f hyw hho hcj dhw co z if fc lkw zf j kc zdf phwz 7 {f hyw #

K V j kj V jkj c oz h chl{qf zdf go czyhg z mo y wh l f m o y z d f WVi af g zpv ygdhwf z y hcwhg zk o c #F tp lh k c zd f y f wv lz w o m z d f hch l{ w k w o m z d f goc zy h g z m o y wh l f o y ~ k l{ z d f hch l{ w kw~ hw co z p f y mo cbfj #

C /H

Goczyhgz Pykgf * 0 J hz f o mG o cz yh gz0 6/ 90 0> l cw pz Kw b f p yo pf yz{ w fc fy bf o ~c fy o m p vo yg yf go yo ? l ta[ fw L aC o Jh z h wgv yg f y w + CJG /BLW /PY

K w z d f y f hc{ m kc hcgk h l h w wk w zhc gf $ l o hcgdhy n f w# wh l f g ocgf ww k o c w# n k mz o y jO .B lph{bfc zh ww kw z hc gf # f zg # + 8 0if ph k ji{ hc{ph y z{ o c ifdh lm o m z d f i o y yo~ f y ? V]fw UT aC o

K m [ f w # y f p o y z zdf lO z ll j o l l hy hbovc z hcj jfwg yk i f z d f k z fbw80if ph k j# *C ocf Eco ~c

Cozf# Yhgf hcjzdf yhgkhl gobpowkzkoc oybf cfxiioyiooj hyf coz hppyhkwhl mhgzoyw#

Cf kndioy z lO<T lGdhyhgzfykwvgw Ocf "Vck zDovw k cn Z y fcjw Ocf"Vckz Dovwkcn Pyfwfczlhcj Vwf&

L o gh zk oc L a V yi hc lt W vi vyi hc L a Y vyh l P yo p f yz }] h lv f w L a lcgyfhwzcx TaW zlli lf L a Jf g lkc kcs PYKGF HN F Ocf "Vckz 800& &

Ivks"Vp Ut lO} f y > 6& K 96">6& U A Vc jf y9 6& J fb hc j,w vp pl }K Wdo yzhxf Lta Kc Ihlhcgf L a O }f y Wvpp l} *$gb + $}yw+ 9": Vc kz &

Nyo~ zd L a Yhp kj lT aW ll li lf L aW lo~ B lye fzk cX Z kb f U Uv cj fy 7 b zdw UT l A#= bzdw 8 Uo }f y f b bw >60 Lo~ C f~ BAl z k " Mhbk l &

C f kndio ydo o jIovcjhykf w Bh lkiv hyf h iovcjhykf w hyf go cw kjf yf j zo if Whczh B oc kgh Bo vczh kcw 6000 D ko d 46 Gobbfyg kh l &

K $C +, Zo phcnh Ghc{o c Io vlf }hyj $F+, Phgkmkg Ogfhc $W+, ]f czvyh Go vcz{ l kcf $^ +# 8400 Pyfj # 96 Ozdfy &

C fkndio ydo o jJf wgykp zko c Wviaf gz lo ghzf j kc I kn Yo ge hyf h , ~ kzdkc zdf G kz{ o m Bh lkiv hppyo t kb hzf l{ 6 b klf w f hwz o m G kz{ Gf czf y# Wvi af gz kwlo ghzf j vp kc zdf mo o zd k llw o c h yf wkjf c zkh l wzyf f z, hb ocn w kb klh y w kcn lf "mhb kl{ pyo pf yzkf w # P yo pf yzkf w yhcnf myob b kj"w kqf j wkcnlf w zo y{

dob fw zo lhyxfy f wzh zf pyo pf yzkf w# H ll yf wkjf czkh l wvppo yz mhg kl k zkf w hyf lo ghzf j cf hyi{ hlo cn hyzf ykhlw#

B lyk<f z Go cj kzko cw Oc glv jkc nwv ppo yz mo y zdf hi o}f g oc glv wko cw+ H pp yh kw fy.w e co ~lf jh f o m hyf h kw f tzf cwk}f , hc j ~ fll w vp po yzf j i} B LW - g o b p hy hi lf w

vwf j kc zd kw yf po yz# P yo pf yz{ }h lvf w dh}f if fc bhkczh kckcn }hlvf o }f y zdf phwz {f hy, h mzf y zd yf f {f hyw o m 80"90& nh kcw # Z{p kgh l

b hyef zkch zkbf w yhchf myob 7 " ; bo czdw# C o wh lf w o y mkchcgkch go cgf wwko cw co zf j . mktf j - hj avwzhilf yhzf b oyzo ho fw hyf h}h klhi lf ,

J kb fc wko cw Kyyf nvlhy $P lf hw f w ff p lh z b hp+ Hyfh 8987=/89E Vwhi lf Wdho f Kyyf hv lhy ] kf~ Ogf hc, G kz{ Lkzf w

Wpfg k m kgQoc kcnG lhww k m kgh z koc LGY890000 . Q o c kc xJ f w g yk pz ko cBh k ki v " Y f w kj f c zk h l

Q o ck cn G o b pl kh cg f L ta L f nh l L aL fn hl C o cg oc mo cb kc n$N yh cj mh zd fyf jV wf + l aC o Q oc kc n l a Kl lf nh l $j fW Gyki f+

K w z d f d k ndf w z hcj ifw z v wf o m z d f wvi af g z p y o p f y z{h w kbp yo }fj $ o y h w p y o p o wfjpf y p l h cwhcj wpf g km kg h zk o c w +zdf pyf wfc z vwf ? lTA]f w VC o Km C o# jf wgykif # C ocf

Vzklkzkfw Pvilkg Ozdf y $ j f wg y ki f + Pvilkg Ozdf y $ j f wgy k if + Omm"wkzf lboyo}fbfczw" Z{pf Pvilkg Pyk}hzh

Flfgzy kgkz{ UY A UR ^hzfy Lt a a W z yf f z H wpdhl z lT A L a

Nh w LA LT R Pygphcf/Z}pkghl Whc kz ly { W f~ f y L A TA Wfpzkg Z{p kghl Hllf { C ocf L A L AM FmKB Wof gkh l M lo o j DhqhyjHyf h y l}f w yT lC O M FmKB M lo o j Qocf G M FmKB Blo ' 0=0>:6 " 0>4> G MF m KB B lo Jh zf 88 /86 /8;46

H yf z df v zk lk zk f w h c j o m m" wy zh kb p yo } fb f cz wz }P k gh l mo y z d f bh yk < fz hy f h? L t a} f w l a C o K m C o , j f wg y k if #

H yf z df y f h c { h j } f yw f w k zf g o c jk zk o cw o y f t zfbh l m hg zo y w $ f h wfb f c zw ,f c gy o hg dbf c zw ,f c } ky o cb f c zl ll g o c j kz ko c w ,l hc j v w f w , f z g# +? V ] f w l TA C o K K [ f w , j f wg yk if # C o h j }f y wf

wkzf gocjkzko cw o y hj}f ywf fhwfb fczw hyf eco~c o y o iwf y}f j, C o jf f j o y zkzlf yf po yz ~hw pyo }kjfj zo jf zf cc kcf hc{ vceco~c o yvchpphyf cz f hwfb fczw# P lf hwf yf mf y zo mv l l zkzlf yf po yz#

NFC FYHLJFWGYKPZKOC MOVC JHZKOC FTZFYKOYJFWGYKPZKOC bhzf y kh lwH 1ocp k z koc KCZFYKOY ychzfchlw#gocgkz koc

V ckzw Uk lO cf U A Ocf } # kz dH ggf wwo y {Vc k z " Rg o cg yf zf W lh i K tl G yh }# 8W o hg f Movcjhz koc^hl lw Gocgyf zf I le M loo yw Dj~j/Gpz ]Nj

' o mW lOy kfw 8 A M v ll Ihwfbf cz L a Phyzkh l Ihwfbf cz Ftzf yko y^ hDw Wzvggo ^hllw P lhwzf y ]Nj

Z{pf UT RJf z U AH zz U AW "Jf zmcj Vc5 Ihwfbf czH yf h 0 wx#mz# Yo o mWvymvgf Gobpow kzko c Zykb #mkckwd Dhyj~oo j ]Nj

ltlFtkw zkch U UP yo co wf j U lvcjf y go cwz Ihwf bf czM kc kwd C/H & N vzzf yw - Jo~cwco vzwHjfhvhzf Ihzd M lo o y W zo cf ]Nj

Jf wknc $W z{lf + Zyhjkzko chl aOvzwkjf Fc ll{ ,§t kz l awvbp Pvbp ^ kcjo~ Z{pf ]c l G lhj H lvb Ihzd ^hkcwgo z W zo cf ]Nj

[f hy Iv klz 8;== F} kjf cgf o m L a K cmf wzh zko c W zo yb WhwdHcwv lhzf j C o W zo yb C ff jfj Ghy Wzo yhgf lA CocfFzyf gzl}f HXf $\.yw+6 "80 R Jhbpcf ww U R Wf cAf bf cz Wgyffcw Pyf wfcz tA Jyk}f ~h{ ' 08 Ghyw 7

Hzz kg C o c f Df hzkcn lTAM^H KL aD^IIK L aYhjkhcz Hb fc kzkf w ^ oo jW lO}f $w+' Jy k}f~h{Wvy mhgfGocgyf zf /W zocf

lJ yo f W k ll k y Wzhkyw 8 Ozdfy K M v f l P y o ph c f tl M k yf l hg f $w +' 8 T M f cgf ^o o j t l N hyh hf ' om Ghyw 9

aM loo y T WgvV lf Goo l kcn 8AG fc zy h l H k yG ocj k z ko c k c n TA Ph z koH Af ge T POyzd J fge aGhypo yz Do lfhyw

aM kc kwdfj Dfhzfj a K cj k }k jv h l K L a O zd f y ApOOK Ozdfy TAHzz lJf z U a Ivklzsc

Hpp l khcgfw U 8 Y fbf f yh lJ y K T A YhcffJ }fc T l J kwd~hwdf y UT l J kwpo wh l KT l B gyo ~h}f U 8 ^hwd f y# 8l y} f y K 8 Ozdfy $jfwgy kif +M k c k wd fjh y fhhio}f x y hjf goc zh k c w1 ; Yo obw 7 If jyo obw 7 I hz d$ w+ 9 ,= 0 = W x vh yf M f f z o m N yo w w L k }k ch H y f h H i o }f N y hj f

H jj kzko chl mf hzvyf w $w pf gkh lf cf yn {f mmkg kf czyzh bw , fzg#+, D knd l{ vp nyhj fj o gf hc } kf ~ yh cgd 1 O }f y * 960 ,00 0 kc yf bo jf lkc n, c f~ ekzg df c, dh yj ~o ojmlo oykcn , b ovlj kc nw, lh cj wg hp kcn - f tzf yko y lkndzkcn , hygd kzf gzv yhl n lhww phcf lf j jo o yw, yfbo jf lf j ihzd go ppf y p lvbi kcn , f zg#

c f wgc zf z d f gocj k z ko c o m zdf p yo p fy z{ $ kc jv jk cn c f fj f j yf p hk yw # jf zf yk o yh zk oc , yf c o} hz ko c w# yf b o jf lk cn #f zg #+ # C o p d{ wk gh l m vc gz ko c hl o y f t zf b hl k ch jf h vh gk fw c o zf j #

Zdf wvikf gz hppfhyw zo if kc }fzµ ho oj go cjkzko c# O zdf y vooyhjfw kcglvjf 1 C f~ yo om, go ppf y gvzzfyw hcj jo ~cwpovzw bhyi lf govczf yw,

cf ~ dhcj zyo ~f llf j wbo o zd w zvggo f tzf yko y, kc zf yko y mkc kwdfj ~ kzd iv llco wfj go ycf yw yf gf wwfj lknd zkcn, cf ~ ghi kcf zw , nyhc kzf go vczf yw

wlhzf zk lf po ygd, jyk}f ~h{, ~h lew, hcj f tzf yko y dhyjwgho kco #

H yf zdf yf hc{ pd{w kgh ljf m kg kfcjfw oy hj}fywfgo cj k z kocw zdh z h m mfg z zdf l k}hi kl k ( +. , wovcjcfww,o y wzyvgbyhl Kc zfn l k( + . o m zdf pyopfy z{? J}fw UY lC o K m } f w , j f wg lk i f #

Jofwzdf pyopfyz{ nfcfyhll{ goymoyb zo zdf cfkndiobooj $mvcgzkochl vzl8m ,wz{lf, gocjkzkoc, vwf, gocwzyvgzkoc, fzK1#+? lT A [fw VCo Km Co, jfwgykif#

myfjjkf Bzg Moyb >0Bvgd 9(T6 m f c c f m}^ m o y b 8G0: y # # c c 9 K 1 1 V k

8 $ + . + : # _ 0 6 G F 9 0 G =

Page 14: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 14/32

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz M k lf C o # > 0 60 6BH

Zdf y fh y f 7 goboh y hil f o y o o f y z kf w gv y yf c z l} o m m f y f j m o y wh l f k c z d f woi k f gz c f k h dio y dhoj y hch k ch k c ocgf m yob * 8 =60 ,000 zo * 9 ,7 :; 00 0

Zdf y fh y f 4 gobph yhi l f whl f w k c z d f wvi .f g z c f k h dio yd o oj # #5 zd k c z d f cf w z z~ f l } fboc z d w y hc k ch k c wh l f o cgf m yob * 8 :8 0 000 zo * 7>60000

MFHZVYF K WVIAFGZ GOB .HYHILF WHLF C O#8 GOB .HYHILF WHLF C O#9 GOB .HYHILF WHLF C O#7

90:>6 YOGH GDKGH JY 909:7 P kf jyh Gd kgh Yo hj 90468 I kn Yo ge Jyk}f 90:>0 Yo {h l W zo cf Jyk}f

H j jy f ww BH L KI V HPC 1 ::60"087"0=4 HPC 1 :::;"08="00= H PC 1 : :6 0" 08 6" 09 8

Pyo t kb kz{ zo Wvi af g z 0 #90 B K F 0#:6 B K C ^ 0#0: B K C C F

Wh lf Py kgf * 0 8* 84>6,000 8* 7,>60,000 d 8:80000

Wh lfPy zgf ,Nyoww k l k #H ych * 0 #0 0 W X# z# * >86#;9 WX# z#8 *8,944#== WX# z#8 * 6 >0#7 ; w o# mz#8

Jhzh Wo vygf $w+ Kcwpf gzko c BLWmPvi lkg Yf go yj K cW m+ fg zk oc lB L W lP v il kg Y f go yj B LW mP vi lkg Y fg oyj

]fy k m kgh z kocWovygf$w+ Kcwofgz koc JoG' ;9:440 JoG' 8 0;4=48 Jog' 9>;77==

] HLV FH JA VW ZKl lF CZW J FW GY KP ZKO C JFWGYKPZKOC %+WBvwzcfcz JFWGYKPZKOC ¥#+ * ..._fcz JFWGYKPZKOC %$"+*Bvwzbfcz

Whlf oy M kchcg kcn C ocf Eco~c Go c}f czko ch l C o lw zZJ Goc}fczko chl

Gocgfww kocw C o 8wz ZJ kc mo Kc mo yb hzko c h}f c *8,894,000 8wz

Jhzfo mWh lf l ykbf 06/900> lcwpz 0:/84/900> G lo wf j 06/0> /900> Pf cj kch 89/86 /900= G lo wf j

Loghz koc ]f y{ No oj ]f y{ N o o j Wvo f yko y "900,000 ]f y{ No oj

z f h wfco k g% f f W kbp lf M ff W kb plf M f f W kbp lf M f f W kbp lf M ff W kb olf

Wkzf 8987=/89E Vwi lf 848>4/4 E Vwf :0,000 9=6=>/90E Vw f "40,000 80>8=/6000 >0,000

] kf~ Ogfhc, G kz} Lkzf w W kb klh y Wvo /Phco Ogfhc "900000 Kc m/Ogf hc 800,000

Jfw knc$W z{ lf + Zyhjkz kochl Zyhjkz kochl H ygdkzf g zvyh l "900,000 W kbk lh y

Xvh l k z {o m Gocwz yvG zkoc No o j No o j No oj No o j

HGVAhl o f 8;== 8;== 8;;6 8;>7

Go cjkzko c ]f y}N oo j W K Kc mf yko y 860,000 Wvof yko y "700,000 Kcmf yko y/M ktf y 700000

Hio}fNy hjf Zozh l KIjccwA I h . ) ZOkh KI j c c w a I h # , w Z087KI j c c w # l I h 8 d w 96000 ZOKh KI j c c w a # I h 8 d w

YoobGovc z 48 :8 7 48 :8 7 >8 78 7 48 :8 9 96000

NyowwV}kchHych 800 9,=0= WX# mz# 9,=8; wo # mz# 0 9;80 WX# mz# "70:00 9:>9 wo #mz 87,:00

Ihwfbfc z- M kc kwdfj Cocf C o cf C o cf C o cf

Yo obw If lo~Nyhjf C ocf C o c f C o cf C o cf

MvcGzkochlVz k l k z{ N o o j Noo j No o j No o j

Dfhz kcn ,goo lD lO MHV /C ocf M HV/C o cf M HV/Gfczyhl "6000 M HV/Gfczyhl"6000

F cf yX [Fmmkgkf cz Kzf bw C o cf C o zf j C ocf C ozf j C o cf C o zf j C o cf C o zf j

Nhyhnf ,ghypo yz 9 Ghy Nhyhnf 9 Ghy N hyhhf 9 Ghy N hyhnf 9 Ghy N hyhnf

Po ygdH .h zko H lf ge Po ygd , Phzko Jfge Wkbklhy W kb klh y W kb klh y

E kzgdf c C f~f y Vojhzf j Wllcmfy koy 96 ,000 Wvo /No vybf z "60000 Kcmf yko y 60,000

Po o l Wph C o Po o l, C o Wo h C o P o o l C o W o h Po o l, Wo h "60 ,000 Wo h, C o Po o l "6,000

M kyf p lhgf $w+ 8 M kyf plhgf 8 M k yf p lh g f 8 M kyf o lhgf 8 M kyf o lhgf

Cf z Hj avw zbfcz $ mh zh l + Utl% yk 8* 986000 yl% ytl" 8* 80;0:00 ytl% U l" 8* 6:4:00

Hjavw zfjWh lf Py kgf C f zH ja# 8 8# 6s K C f zH ja# "9; #8 s K C f z H ja # 7 4# ;o /s Ko m G obph yhi l f w N y o wwB # 88 #60 /#& * 9 0; 0,0 00 N yo ww B#7 0#: 0/#& * 9= 6;= 00 N yo wwB #:0 #7o /I i * 8;64:00

K 00 jk j 0 j k jc o z y f w fh ygd z df wh lf o y z yh c w yf y d kW zo y { o m z d f wvi af g z p y o p f y z{hcj gobph yhi l f whl f w # K m c o z f tp l hk c

# B z yfwfhygd L A jkj Ut A j kj c oz y f} fh l h c{ p yk oy w hl fw o y zy hc wmf yw o m zd f w vi kf gz o yo o f yz} mo y zd f zd yf f { f hy w o yk oy zo z df f mm fg zk }f j h zf o m z dk w h c oy hk wh L

J hzh w o vyg f$w + B LW /P vi lk g Y fg oyj

B{ y f w fh ygd U A j kj U T j kj c o zy f }f h l h c } o c g y w h lf w o y c h cw yf y w o m z d f g ob o hy hi lf w h lf w m o y z d f { f h y o yk o y z o z d f j h zf o m w h l f o m z df g ob o hy hi lf w h lf #

J hzh wo vyg fzw + B LW /P vi lk g Y fg oyj

Y fpo y z zd f y f wv lz w o m z d f y f w fh ygdhcjhch l } w kw o m z d f p y ko y wh l f o y z yh c w mf y d k w z o y{ o m z d f wvi kf g z p yo p f y z} hcjgob h y hi l f wh l f w $ yf o o y z h jj k zk o ch lpy koy

w h lf w o c o h o f 7 + #KZFB WVIAFGZ GO B.HYHILF W HLF CO #8 GO B.HYHILF W HLF CO #9 GOB .HYHILF WHLFCO#7

Jhzf 08P y k o y Whlf lmyhcwmf y C o Wh lf Kc O}f y C o o yf }ko vw wh lf kc 8% }yw C o o yf }ko vw wh lf kc 8% }yw C o o yf }ko vw wh lf kc 8% }yw

Py kgf 08 Py ko yWh lf l m yhcwmf y 7 [ fh yw C /H C /H C /H

Jhzh Wo vygf $w+ B LWmPvilkg Yf go yj BLW/Pvilkg Yfgo yj BLW/Pvi lkg Yfgo yj BLWmPvilkg Yfgo yj

Fmmf gzk}f Jhzf o y o h zh Wovygf zw+ 06/86/900> 06/86 /900> 06/86 /900> 06/86 /900>

Hch l{ w kw o m p y o y wh l f o y z yh c w mf y d k w z o y{ 08 zd f wvi af gz pyo pf yz{ hcj go bphyhi lf whlf w. Wvikf gz co z gvyyf czl} lkw zf j# Wvi kf gz lhw z zyhcwmf yyf j o }f y 80 }f hyw hno

hcj dhw co z if f c lkwzf j kc zdf phwz 7 }f hyw # Gobo hyhi lf '9 , 90468 I ko Yo ge Jyk}f ~hw ho o yh kwf j i} zd kw Ho o yh kwf y o c :/87/900> mo y h

Pvygdhwf zyhcwhgzko c h z h Goczyhg zf j Wh lf Pykgf o m *7 ,>60,000 $ Pyk}hzf - Gocmkjfcz khl l# ^ d klf Pvi lkg Yf go yj jo f w co z yf mlf gz zdf whlf

8o ykgf o m zd kw zyhcwhgzko c kz kw yf hwo chilf zo if lkf }f zdh z zd kw kw hc hggvyhzf whlf o ykgf #

Wvbbhy{ o m Whl fw Gobph yk woc Hpp yohgd# Wvikf gz kw gobphzkilf zo zdf cf ko dio ydo o j kc zf ybw o m w kqf , go cjkzko c , hvh lkz)) hcj hco f hl, P lf hwf wf f

hjj kzko ch l gobo hyhi lf w hcj zdf hjjf cjvb gobbf czw# C o zf zdh z wob f hj kvw zb fczw f tgf fj o yf mf yyf j lf }f lw jvf zo zdf ~ kjf yhco f o m

Kpyo pf yzkf w hcj lhge o m wkb klhy gobphyhi lf w kc zdf hyf h# Zd kw jo f w co z f mmf g z zdf }f yhgkz} o m zdf mkchl f wzkb hzf j bhyef z }h lvf #

K c jk gh zf j]h l v fi} Wh l f w gobohcwocHpp y ohgd * 9800000

K cjk gh zf j ]h l vf i{1 Wh l f wG oboh y k w o c Hooyohgc * 9 ,8 0 0 ,0 0 0 N o w zH o o yo h g d O m jf } f lo o f j + * 9 8;0 700 Kcgobf Hooyohgc O m jf}fl opfj+ *

Zdf go wz hppyohgd n k}f c co ~f knd z jvf zo jkmmkgvlzkf w kc hggvyhzf l} jf zf yb kc kcn jfpyf gkhzko c hcj lhcj }h lvf w# Zdf kcgobf ho o yo hgd co z

vwf j jvf zo l kb kzf j wh lf w o m wkb klh y yf c zhl cyopfyzkfw cf f jf j mo y jf zf yb kckch h NYB # Bhyef z ho o yo hgd h k}f c b o wz ~f ko d (#

Zd k whpp y hk wh l kw bhjf lT A )hw kw , ) Vvi af f z z o g obp l f zk o cp f y p l h c whcj wpf g km k gh z ko c woc z d f ihw kw 08 h d{po zd f z kg h l g o cjk zk o c z dh z z d f kbp yo }fbfc z wdh}fif fc gobp l f zf j ,

o wvi af f z z h z d f m o l lo ) 5c ; y f ph ky w o y h l zf y h zk o c woc z d f ihw kw 08 h d{po zd f z kg h l g o cjk zk o c z dh z z d f y f ph ky w o y h l zf y h zk o c wdh}fif fc gobp l f zf j , o y 0vi af f z z h z d f m o l lo ) 5 c; y f xv ky f j

k cw pf g zk oc i h wf j o c z d f f t zy ho yj kc hy{ hw wv b pzk o c zd hz z d f g o c jk zk oc o y j f mk gk fc g{ j o fw c o z y f xv ky f h lzf yh zk oc o y y fp hk y# C o g o cj kz ko c w# Z dk w h o oy hk wh l y fo o yz k w k cz fc jf j

mo y g lkf cz/lf cjf y/o y zdf ky hwwkccf f w mo y vwf oc l} kc h bo yzchcf /mkchcgf zyhcwhgzko c # Zdkw yf co yz co z kc zf cjf j mo y hc} o zdf y vwf #

Ihwfj O c h g o bp lf zf } kw vh l k cw pf g zk oc o mzc f k cz fy ko y h cj f t zf yk o y h yf h w o mz cf w vi af g z p yo p fy z{ , j f mk cf j w go p f o ml l# Oy e, w zh zh b fc zo m h ww vb p zk o cw h cj l kb kz kc n

gocjkzkocw, hcj hppyhkwfy.w gfyzkmkghzkoc, b{ $ovy+ opkckoc om zdf bhyefz }hlvf, hw jfmkcfj, om zdf yfhl pyopfyz{ zdhz kw zdf wviafgz om zdkw yfpoyz kw * 9,800,000

hw o m Bh{ 8= 900> ,^lkgd kwzdf jhzfomkcwcfgzkoc hcjzdf fmmfgzk}f jhzfom zdkw hccyhkwhl,

Myfjjkf B 1 z g Mo yb >0Bz zz k l M h cc kf ^ w f M o yb

Page 15: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 15/32

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz M k lf C o # > 06 06BH

Plf hwf Wf f Hjjf cjvb

G OW Z H PP YO HG D ZO ] HLV F $co z yf xvkyf j i{ M hc ckf B hf +

Pyo} kjfhjfxvh zf kc m occh z koc m o y zdf lfcjf y ,z l k fc z 8Jyfp l k gh zf zdf if lo~ gow z m k ov yfw hcj gh lgvlh z kocw #

W vp po yz m o y z df o pk ck oc o m w kz f } h lv f $ wv bb hy{ o m g o b ph yh il f lh cj w h lf w o y o z df y b f zd o jw m o y f w zk bh zk cn w k zf } hl vf + W kzf } hl vf w j fzf c ck cf j i { f tz yh gz ko c# G o wzw h yf

ihwf j o c z{p kgh l bhyef z pf ygf p zko c o m }h lvf hcj hvxycfczfj i{ Ivkljkcx"Gowz#cfz hcj o zdf y z{p kgh l bhyef z b fzdo jo lo x}#

F WZKB KZF J ltA Y FP YO JV GZKO CO Y U R Y F PL HG F (K# §C Z GO W Z C F^ OP KC KOCOM W K ZF]HLVF # ################# #### , #### 2 * 8,960,000

Wo vygf om go wz jhzh Bhyef z jhzh lo ghl go czyhgzo yw, Ivk lj kcn"G o wz#cf z J~f ll kcn 9,=0= Wx# M z @ * 960#00 ## ######### " * =68 600

Xvhlkz{ yhzkcn myob go wz wf y}kgf F(mf yc}f jhzf o m go wz jhzh Wx# M z @ * # # # # 2 *

Gobbfc zw oc Gow z Hpp yohgd $h y oww l k } kchh y fh gh lGV lh zk ocw #jfp y fg kh zk oc #f z g # +

Pd{wkgh l jf pyf gkhzko c ghlgv lhzf j }kh zdf hgf /lk mf b f zdo j# Go wz Nhyho f #Ghypo yz 64: Wo # M z @ * 66#00# #### ### # 2 * 79,890

f wzkb hzf w ihwf j o c zdf eco~ lf jo f o m h yf h ivk lj lco go wzw - Zo zh l Fw z kbhzfh mGow z "Cf~ ####### #### 2 * =47=90

Ivklj kch"G o wz#cf z# Lhcj }hlvf jf zf yb kcf j zdyo vhd f tzyhgzko c# W kzf Lf ww >6 P d {w kg hl R M v c gz ko c hl R Ftzfychl

}h lvf zo kb pyo }f bfczw yhzko kw xyfhzfy zdhc co cchl mo y zd kw mv l l{ J f pyf gkhzko c *=4,7=9 K K 2 *$ =4,7=9

jf }f lo pf j hyf h ~dkgd dhw o yf hzf y zdhc z}p kgh l lhcj }h lvf w# Jfp y fg kh zfjG ow z o m Kbp yo}fbfc zw # # # # # # # # # # # ######## 2 * =86,964

M vcgzko chl hj avwzb f czw bh{ yf mlf gz j kwgo vczf j }hlvf w o k}f c i} )Hw"kw) ]hlvf o m Wkzf Kb pyo }f bfczw ##### ###### # ## # 2 * >6,000

bhyef z zo po o l, wph, hcj wkb klhy hbfc kzkf w# Ivkljf yw/Jf }f lo pf yw Kcgf czk}f 960,000

Fw m kbh zhj Yfbh kc kcXFgocob kg Lkmf $ DVJhcj]H cc l} + > 0 ] f hy w K CJ KG HZFJ]HLVFI] GOWZ HPPYOHGD # ##### ##### ####### " * 9 8;0 700

KC G O K] F H PP Y OH G D Z O ] HL VF $ co zy fx vk yf j i{ M hc ck f B hf +

Fw zkb h zf j Bb z dl { B l ye f z Y f c z * T N yo w w Y f c zB A lz k l kf y 2* C/ H K cj kgh z fj]h lvf i{ KcgobfHpp yohgd

Wvbbh y{ o m K cg obfHpp y o hg d Oc g lv j kc nw v pp o y z m o y bh ye f z y f c z h c j NYB+

P YO AF GZ K C MO Y m] \l \Z KO C M O Y P VJ w $k mh pp lk xl il f+

K w z df j f} fl op fy# iv kl jf y k c g oc zy ol o m zd f D ob f o~ cf yw . H ww og kh zk oc $ DO H+ ? L a[fw L AC o Vckz z{pf$w+ L aJfzhgdfj L aHz zhgdfj

P y o }k j f z df m o ll o } #k c h k cm o c ch z ko c m o y PVJwOC L[ k m zdf j f } f lo p f y ,o v k lj f y k w k c g o c zy o l o m z df DOH hcj z d f w v o lf g z p y o p f yz { k w h c h z zh g df j j~f l lk cXvc kz

L f n h l c hbf o m p y o af g z

Zo zh l cvbif y o m pdhwf w Zo zh l cvbif y o m vckzw Zo zh l cvbif y o m vckzw wo lj

Z ozh l c vb if y o m v ck zw yf cz fj Zo zh l cvbif y o m vckzw mo y wh lf Jhzh wo v ygf $w+

^h w z d f p yo a f g z g yf h zf j i { z d f g o c }f y wk o c o m h c f t k wz kc x i v k l jk c x$ w+ k c 8Jh PVJ? L A [ fw L a C o K m [ f w , j hz f o m g o c} f yw ko c#

Jo f w zdf p yo af gz g o czh kc h c{ b vlzD 8~ fl lk cXv ckzw ? UA [f w UA C O J hzh w o vyg f$w +

Hy f zdf vc k zw , gobboc f lfbfc zw ,hcj y fg y fh zk oc mhg kl k zk f w gobp lf z f? V[f w VC o K m Co , j f w gc i f z d f w zh z vw o m g obp lf z ko c #

H yf z df g obboc fl fbfcz w lf hw fj z o o y i { z df Dobfo~cfy w. H wwo gk hz koc ? V]f w VC o K m [ f w# j fw gy ki f z df yf cz hl z fy bw h cj o pz ko cw #

Jfwg y kif gobboc f lfbfc zw hcj yfg y fh zk och l m hg k l k zk f w #

Pyol^1 lj vwd5l HG z w o m K ~ h b # 0 G T l 9 # 7 : # 4 > 9 > . l C C y .8 K G K . B ( i #o 1 bPhnf7om=

Mhcczf m} .f # fy fb lOO:B1b1# dhb800z_06XFk9;A5+

Page 16: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 16/32

113VBBHE[ Hz".z".EHK113HL Ez1z".VE K

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz MklfCo# >0606BH

HPPYHKWFY.W GFYZKMKGHZKOC1 Zdf Hppyhkwfy gfyzkmkfw hcj hnyffw zdhz1

8# K dh}f, hz h bkckbvb, jf}flopfj hcj yfpoyzfj zdkw hppyhkwhl kc hggoyjhcgf ~kzd zdf wgopf om ~oye yfxvkyfbfczw wzhzfj kc zdkw

hppyhkwhl yfpoyz#

9# K pfymoybfj h gobplfzf }kwvhl kcwpfgzkoc om zdf kczfykoy hcj ftzfykoy hyfhw om zdf wviafgz pyopfyz{# K yfpoyzfj zdf gocjkzkoc om

zdf kbpyo}fbfczw kc mhgzvhl, wpfgkmkg zfybw# K kjfczkmkfj hcj yfpoyzfj zdf pd{wkghl jfmkgkfcgkfw zdhz govlj hmmfgz zdf lk}hiklkz{,

wovcjcfww, oy wzyvgzvyhl kczfnykz{ om zdf pyopfyz{#

7# K pfymoybfj zdkw hppyhkwhl kc hggoyjhcgf ~kzd zdf yfxvkyfbfczw om zdf Vckmoyb Wzhcjhyjw om Pyomfwwkochl Hppyhkwhl Pyhgzkgf

zdhz ~fyf hjopzfj hcj pyobvlnhzfj i{ zdf Hppyhkwhl Wzhcjhyjw Iohyj om Zdf Hppyhkwhl Movcjhzkoc hcj zdhz ~fyf kc plhgf hz zdfzkbf zdkw hppyhkwhl yfpoyz ~hw pyfphyfj#

:# K jf}flopfj b{opkckoc om zdf bhyefz }hlvf om zdf yfhl pyopfyz{ zdhz kwzdf wviafgz om zdkw yfpoyz ihwfj oc zdf whlfw gobphykwoc

hppyohgd zo }hlvf# K dh}f hjfxvhzf gobphyhilf bhyefz jhzh zo jf}flop h yflkhilf whlfw gobphykwoc hppyohgd moy zdkw hppyhkwhl

hwwkncbfcz# Kmvyzdfy gfyzkm{ zdhz K gocwkjfyfj zdf gowz hcj kcgobf hppyohgdfw zo }hlvf ivz jkj coz jf}flop zdfb, vclfww ozdfy~kwf

kcjkghzfj kc zdkw yfpoyz#

6# K yfwfhygdfj, }fykmkfj, hchl{qfj, hcj yfpoyzfj oc hc{ gvyyfcz hnyffbfcz moy whlf moy zdf wviafgz pyopfyz{, hc{ ommfykcn moy whlf

om zdf wviafgz pyopfyz{ kc zdf z~fl}f boczdw pykoy zo zdf fmmfgzk}f jhzf om zdkw hppyhkwhl, hcj zdf pykoy whlfw om zdf wviafgz pyopfyz{moy h bkckbvb om zdyff {fhyw pykoy zo zdf fmmfgzk}f jhzf om zdkw hppyhkwhl, vclfww ozdfy~kwf kcjkghzfj kc zdkw yfpoyz#

=# K yfwfhygdfj, }fykm kfj, hchl{qfj, hcj yfpoyzfj oc zdf pykoy whlfw om zdf gobphyhilf whlfw moy h bkckbvb om ocf {fhy pykoy zo zdf

jhzf om whlf om zdf gobphyhilf whlf, vclfww ozdfy~kwf kcjkghzfj kc zdkw yfpoyz#

># K wflfgzfj hcj vwfj gobphyhilf whlfw zdhz hyf loghzkochll{, pd{wkghll{, hcj mvcgzkochll{ zdf bowz wkbklhy zo zdf wviafgz pyopfyz{#

4# K dh}f coz vwfj gobphyhilf whlfw zdhz ~fyf zdf yfwvlz om gobikckcn h lhcj whlf ~kzd zdf goczyhgz pvygdhwf pykgf om h dobf

zdhz dhw iffc ivklz oy ~kl l if ivklz oc zdf lhcj#

n# K dh}f yfpoyzfj hjavwzbfczw zo zdf gobphyhilf whlfw zdhz yfmlfgz zdf bhyefz.w yfhgzkoc zo zdf jkmmfyfcgfw ifz~ffc zdf wviafgz

pyopfyz{ hcj zdf gobphyhilf whlfw#

80# K }fykmkfj, myob h jkwkczfyfwzfj wovygf, hll kcmoybhzkoc kc zdkw yfpoyz zdhz ~hw pyo}kjfj i{ phyzkfw ~do dh}f h mkchcgkhl kczfyfwz kc

zdf whlf oy mkchcgkcn om zdf wviafgz pyopfyz{#

88# K dh}f eco~lfjnf hcj ftpfykfcgf kc hppyhkwkcn zdkw z{pf om pyopfyz{ kc zdkw bhyefz hyfh#

89# K hb h~hyf om, hcj dh}f hggfww zo, zdf cfgfwwhy{ hcj hppyopykhzf pvilkg hcj pyk}hzf jhzh wovygfw, wvgd hw bVlzkplflkwzkcn

wfy}kgfw, zht hwwfwwbfcz yfgoyjw, pvilkg lhcj yfgoyjw hcj ozdfy wvgd jhzh wovygfw moy zdf hyfh kc ~dkgd zdf pyopfyz{ kw loghzfj#

87# K oizhkcfj zdf kcmoybhzkoc, fwzkbhzfw, hcj opkckocw mvyckwdfj i{ ozdfy phyzkfw hcj ftpyfwwfj kc zdkw hppyhkwhl yfpoyz myob

yflkhilf wovygfw zdhz K iflkf}f zo if zyvf hcj goyyfgz#

8:# K dh}f zhefc kczo gocwkjfyhzkoc zdf mhgzoyw zdhz dh}f hc kbphgz oc }hlvf ~kzd yfwpfgz zo zdf wviafgz cfkndioydooj, wviafgz

pyopfyz{, hcj zdf pyotkbkz{ om zdf wviafgz pyopfyz{ zo hj}fywf kcmlvfcgfw kc zdf jf}flopbfcz om b{ opkckoc om bhyefz }hlvf# K dh}f

cozfj kc zdkw hppyhkwhl yfpoyz hc{ hj}fywf gocjkzkocw $wvgd hw, ivz coz lkbkzfj zo, cffjfj yfphkyw, jfzfykoyhzkoc, zdf pyfwfcgf om

dhqhyjovw ~hwzfw, zotkg wviwzhcgfw, hj}fywf fc}kyocbfczhl gocjkzkocw, fzg#+ oiwfy}fj jvykcn zdf kcwpfgzkoc om zdf wviafgz pyopfyz{oy zdhz K ifghbf h~hyf om jvykcn zdf yfwfhygd kc}ol}fj kc pfymoybkcn zdkw hppyhkwhl# K dh}f gocwkjfyfj zdfwf hj}fywf gocjkzkocw kcb{ hchl{wkw om zdf pyopfyz{ }hlvf, hcj dh}f yfpoyzfj oc zdf fmmfgz om zdf gocjkzkocw oc zdf }hlvf hcj bhyefzhiklkz{ om zdf wviafgz

pyopfyz{#

86# K dh}f coz eco~kcnl{ ~kzddflj hc{ wknckmkghcz kcmoybhzkoc myob zdkw hppyhkwhl yfpoyz hcj, zo zdf ifwz om b{ eco~lfjnf, hll

wzhzfbfczw hcj kcmoybhzkoc kc zdkw hppyhkwhl yfpoyz hyf zyvf hcj goyyfgz#

8=# K wzhzfj kc zdkw hppyhkwhl yfpoyz b{ o~c pfywochl, vcikhwfj, hcj pyomfwwkochl hchl{wkw, opkckocw, hcj gocglvwkocw, ~dkgd hyf

wviafgz ocl{ zo zdf hwwvbpzkocw hcj lkbkzkcn gocjkzkocw kc zdkw hppyhkwhl yfpoyz#

8># K dh}f co pyfwfcz oy pyowpfgzk}f kczfyfwz kc zdf pyopfyz{ zdhz kw zdf wviafgz om zdkw yfpoyz, hcj K dh}f co pyfwfcz oy pyowpfgzk}f

pfywochl kczfyfwz oy ikhw ~kzd yfwpfgz zo zdf phyzkgkphczw kc zdf zyhcwhgzkoc# K jkj coz ihwf, fkzdfy phyzkhll{ oy gobplfzfl{, b{hchl{wkw hcj/oy opkckoc om bhyefz }hlvf kc zdkw hppyhkwhl yfpoyz oc zdf yhgf, goloy, yflknkoc, wft, hnf, bhykzhl wzhzvw, dhcjkghp,

mhbklkhl wzhzvw, oy chzkochl oyknkc om fkzdfy zdf pyowpfgzk}f o~cfyw oy oggvphczw om zdf wviafgz pyopfyz{ oy om zdf pyfwfcz o~cfyw oy

oggvphczw om zdf pyopfyzkfw kc zdf }kgkckz{ om zdf wviafgz pyopfyz{ oy oc hc{ ozdfy ihwkw pyodkikzfj i{ lh~#

84# B{ fbplo{bfcz hcj/oy gobpfcwhzkoc moy pfymoybkcn zdkw hppyhkwhl oy hc{ mvzvyf oy hczkgkphzfj hppyhkwhlw ~hw coz gocjkzkocfj

o c h c{ h nyf fbf cz o y vc jf yw zh cj kc n, ~ ykzzf c o y o zdf y~ kw f, zdh z K ~ ov lj yf po yz $o y p yf wf cz hc hl{ wkw w vp po yzkc n+ h pyf jf zf yb kc fjwpfgkmkg }hlvf, h pyfjfzfybkcfj bkckbvb }hlvf, h yhcnf oy jkyfgzkoc kc }hlvf, h }hlvf zdhz mh}oyw zdf ghvwf om hc{ phyz{, oy zdf

hzzhkcbfcz om h wpfgkmkg yfwvlz oy oggvyyfcgf om h wpfgkmkg wviwfxvfcz f}fcz $wvgd hw hppyo}hl om h pfcjkcn boyznhnf lohc

hpplkghzkoc+#

8;# K pfywochll{ pyfphyfj hll gocglvwkocw hcj opkckocw hiovz zdf yfhl fwzhzf zdhz ~fyf wfz moyzd kc zdkw hppyhkwhl yfpoyz# Km K yflkfj oc

wknckmkghcz yfhl pyopfyz{ hppyhkwhl hwwkwzhcgf myob hc{ kcjk}kjvhl oy kcjk}kjvhlw kc zdf pfymoybhcgf om zdkw hppyhkwhl oy zdf

pyfphyhzkoc om zdkw hppyhkwhl yfpoyz, K dh}f chbfj wvgd kcjk}kjvhl$w+ hcj jkwglowfj zdf wpfgkmkg zhwew pfymoybfj kc zdkw hppyhkwhl

yfpoyz# K gfyzkm{ zdhz hc{ kcjk}kjvhl wo chbfj kw xvhlkmkfj zo pfymoyb zdf zhwew# K dh}f coz hvzdoykqfj hc{ocf zo bhef h gdhcnf zo

hc{ kzfb kc zdkw hppyhkwhl yfpoyz5 zdfyfmoyf, hc{ gdhcnf bhjf zo zdkw hppyhkwhl kw vchvzdoykqfj hcj K ~kll zhef co yfwpocwkiklkz{ moy kz#

90# K kjfczkmkfj zdf lfcjfy/glkfcz kczdkw hppyhkwhl yfpoyz ~do kw zdf kcjk}kjvhl, oynhckqhzkoc, oy hnfcz moy zdf oynhckqhzkoc zdhz oyjfyfj

hcj ~kll yf g fk }f z dk w h pp yh kw hl yf p oyz #

Page 17: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 17/32

115VBBHE[ Hz".z".EHK115HL Ez1#z".VEK

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz M k lf C o # > 0 60 6 B H

Zdkw yfpoyz moyb kw jfwkncfj zo yfpoyz hc hppyhkwhl om h ocf"vckz pyopfyz{ oy h ocf"vckz pyopfyz{ ~kzd hc hggfwwoy{ vckz5 kcglvjkcn h

vckz kc h plhccfj vckz jf}flopbfcz $PVJ+# Zdkw yfpoyz moyb kw coz jfwkncfj zo yfpoyz hc hppyhkwhl om h bhcvmhgzvyfj dobf oy h vckz

kc h gocjobkckvb oy goopfyhz k}f pyo afgz#

Zdkw hppyhkwhl yfpoyz kw wviafgz zo zdf mollo~kcn wgopf om ~oye, kczfcjfj vwf, kczfcjfj vwfy, jfmkckzkoc om bhyefz }hlvf, wzhzfbfcz om

hwwvbpzkocw hcj lkbkzkcn gocjkzkocw, hcj gfyzkmkghzkocw# Bojkmkghzkocw, hjjkzkocw, oy jflfz kocw zo zdf kczfcjfj vwf, kczfcjfj vwfy,

jfm kckzkoc om bhyefz }hlvf, oy hwwvbpz kocw hcj lkbkzkcn gocjkzkocw hyf coz pfybkzzfj# Zdf hppyhkwfy bh{ ftphcj zdf wgopf om ~oye

zo kcglvjf hc{ hjjkz kochl yfwfhygd oy hchl{wkw cfgfwwhy{ ihwfj oc zdf gobplftkz { om zdkw hppyhkwhl hwwkncbfcz# Bojkmkghzkocw oy

jflfz kocw zo zdf gfy zk mk ghz kocw hyf h lwo coz pfybkz zfj# Do~f}fy, hjj kz kochl gfy zk mk ghz kocw zdhz jo coz gocwzkzvzf bhzfy khl h lzfyhz kocw

zo zdkw hppyhkwhl yfpoyz, wvgd hw zdowf yfxvkyfj i{ lh~ oy zdowf yflhzfj zo zdf hppyhkwfy.w gocz kcvkcn fjvghzkoc oy bfbifywdkp kc hc

hppyhkwhl oynhckqhzkoc, hyf pfybkzzfj#

WGOPF OM ^OYE1 Zdf wgopf om ~oye moy zdkw hppyhkwhl kw jfmkcfj i{ zdf gobplftkz{ om zdkw hppyhkwhl hwwkncbfcz hcj zdf

yfpoyz kcn yfxvk yfbfczw o m zdkw hppyhkwhl yfpoyz moyb, kcg lvjkcn zdf mollo~kcn jfmkck zkoc om bhyefz }hlvf, w zhzfbfcz om hwwvbpz kocw

hcj lkbkz kcn gocjkz kocw, hcj gfyz km kghzkocw# Zdf hppyhkwfy bvwz , hz h bkckbvb1 $8+ pfymoyb h gobplfzf }kwvhl kcwpfgzkoc om zdf

kczfykoy hcj ftzfykoy hyfhw om zdf wviafgz pyopfyz {, $9+ kcwpfgz zdf cfkndioydooj, $7+ kcwpfgz fhgd om zdf gobphyhilf whlfw myob hz

lfhwz zdf wzyffz, $: + yfwfhygd, }fykm{, hcj hchl{qf jhzh myob yflkhilf pvilkg hcj/oy pyk}hzf wovygfw, hcj $6 + yfpoy z dkw oy dfy hchl{w kw ,

op kc kocw, hcj gocglvw kocw kc zdkw hppyh kwhl yfpoy z#

KCZFCJFJ VWF1 Zdf kczfcjfj vwf om zdkw hppyhkwhl yfpoyz kw moy zdf lfcjfy/glkfcz zo f}hlvhzf zdf pyopfyz{ zdhz kw zdf wviafgz om

zdkw hppyhkwhl moy h boy znhnf m kchcgf zyhcwhgzkoc #

KCZFCJFJ VWFY1 Zdf kczfcjfj vwfy om zdkw hppyhkwhl yfpoyz kw zdf lfcjfy/glkfcz #

JFMKCKZKOC OM BHYEFZ ]HLVF1 Zdf bowz pyoihilf pykgf ~dkgd h pyopfyz{ wdovlj iykcn kc h gobpfzkzk}f hcj opfc bhyefz

vcjfy hll gocjkzkocw yfxvkwkzf zo h mhky whlf, zdf iv{fy hcj wfllfy, fhgd hgzkcn pyvjfczl{, eco~lfjnfhil{ hcj hwwvbkcn zdf pykgf kw

coz hmmfgzfj i{ vcjvf wzkbvlvw# Kbplkgkz kc zdkw jfmkckzkoc kw zdf gocwvbbhzkoc om h whlf hw om h wpfgkmkfj jhzf hcj zdf phwwkcn om

zkzlf myob wfllfy zo iv{fy vcjfy gocjkzkocw ~dfyfi{1 $8+ iv{fy hcj wfllfy hyf z{pkghll{ boz k}hzfj5 $9+ iozd phyzkfw hyf ~fll kcmoybfj

oy ~fll hj}kwfj, hcj fhgd hgzkcn kc ~dhz df oy wdf gocwkjfyw dkw oy dfy o~c ifwz kczfyfwz5 $7+ h yfhwochilf zkbf kw hllo~fj moy

ftpowvyf kc zdf opfc bhyefz5 $:+ ph{bfcz kw bhjf kc zfybw om ghwd kc V# W# jollhyw oy kc zfybw om mkchcgkhl hyyhcnfbfczw

gobphyhilf zdfyfzo5 hcj $6+ zdf pykgf yfpyfwfczw zdf coybhl gocwkjfyhzkoc moy zdf pyopfyz { wolj vchmmfgzfj i{ wpfgkhl oy gyfhzk}f

mkchcgkcn oy whlfw gocgfwwkocw. nyhczfj i{ hc{ocf hwwogkhzfj ~kzd zdf whlf#

.Hjavwzbfczw zo zdf gobphyhilfw bvwz if bhjf moy wpfgkhl oy gyfhzk}f mkchcgkcn oy whlfw gocgfwwkocw# Co hjavwzbfczw hyf

cfgfwwhy{ moy zdowf gowzw ~dkgd hyf coybhll{ phkj i{ wfllfyw hw h yfwvlz om zyhjkzkoc oy lh~ kc h bhyefz hyfh5 zdfwf gowzw hyf yfhjkl{

kjfczkmkhilf wkcgf zdf wfllfy ph{w zdfwf gowzw kc }kyzvhll{ hll whlfw zyhcwhgzkocw# Wpfgkhl oy gyfhz k}f mkchcgkcn hjavwzbfczw ghc if

bhjf zo zdf gobphyhilf pyopfyz{ i{ gobphykwocw zo mkchcgkcn zfybw om mfyfj i{ h zdkyj phyz { kcwzkzvz kochl lfcjfy zdhz kw coz hlyfhj{

kc}ol}fj kc zdf pyopfyz{ oy zyhcwhgzkoc# Hc{ hjavwzbfcz wdovlj coz if ghlgvlhzfj oc h bfgdhckghl jollhy moy jollhy gowz om zdf

mkchcgkcn oy gocgfwwkoc ivz zdf jollhy hbovcz om hc{ hjavwzbfcz wdovlj hppyotkbhzf zdf bhyefz. w yfhgzkoc zo zdf mkchcgkcn oy

gocgfwwkocw ihwfj oc zdf hppyhkwfy.w avjnbfcz#

WZHZFBFCZ OM HWWVBPZKOCW HCJ LKBKZKCN GOCJKZKOCW1 Zdf hppyhkwfy.W gfyzkmkghzkoc kc zdkw yfpoyz kw wviafgz zo zdf

mol lo~kcn hwwvbpzkocw hcj l kbkzkcn gocjkzkocw1

8# Zdf hppyhkwfy ~kll coz if yfwpocwkilf moy bhzzfyw om h lfnhl chzvyf zdhz hmmfgz fkzdfy zdf pyopfyz{ ifkcn hppyhkwfj oy zdf zkzlf

zo kz, ftgfpz moy kcmoybhzkoc zdhz df oy wdf ifghbf h~hyf om jvykcn zdf yfwfhygd kc}ol}fj kc pfymoybkcn zdkw hppyhkwhl# Zdfhppyhkwfy hwwvbfw zdhz zdf z kz lf kw nooj hcj bhyefzhilf hcj ~kll coz yfcjfy hc{ opkckocw hiovz zdf z kVf#

9# Zdf hppyhkwfy dhw pyo}kjfj h wefzgd kc zdkw hppyhkwhl yfpoyz zo wdo~ zdf hppyotkbhzf jkbfcwkocw om zdf kbpyo}fbfczw# Zdf

wefzgd kw kcglvjfj ocl{ zo hwwkwz zdf yfhjfy kc }kwvhlkqkcn zdf pyopfyz { hcj vcjfywzhcjkcn zdf hppyhkwfy.w jfzfybkchz koc om kzw wkqf#

7# Zdf hppyhkwfy dhw fthbkcfj zdf h}hklhilf mlooj bhpw zdhz hyf pyo}kjfj i{ zdf Mfjfyhl Fbfynfcg{ Bhchnfbfcz Hnfcg{ $oy

ozdfy jhzh wovygfw+ hcj dhw cozfj kc zdkw hppyhkwhl yfpoyz ~dfzdfy hc{ poyzkoc om zdf wviafgz wkzf kw loghzfj kc hc kjfczkmkfj Wpfgkhl

Mlooj Dhqhyj Hyfh# Ifghvwf zdf hppyhkwfy kw coz h wvy}f{oy, df oy wdf bhefw co nvhyhczffw, ftpyfww oy kbplkfj, yfnhyjkcn zdkw

jfzfybkchzkoc#

:# Zdf hppyhkwfy ~kll coz nk}f zfwzkboc{ oy hppfhy kc govyz ifghvwf df oy wdf bhjf hc hppyhkwhl om zdf pyopfyz{ kc xvfwzkoc,

vclfww wpfgkmkg hyyhcnfbfczw zo jo wo dh}f iffc bhjf ifmoyfdhcj, oy hw ozdfy~kwf yfxvkyfj i{ lh~#

6# Zdf hppyhkwfy dhw cozfj kc zdkw hppyhkwhl yfpoyz hc{ hj}fywf gocjkzkocw $wvgd hw cffjfj yfphkyw, jfzfykoyhz koc, zdf pyfwfcgf om

dhqhyjovw ~hwzfw, zotkg wviwzhcgfw, fzg#+ oiwfy}fj jvykcn zdf kcwpfgzkoc om zdf wviafgz pyopfyz{ oy zdhz df oy wdf ifghbf h~hyf om

jvykcn zdf yfwfhygd kc}ol}fj kc pfymoybkcn zdkw hppyhkwhl# Vclfww ozdfy~kwf wzhzfj kc zdkw hppyhkwhl yfpoyz , zdf hppyhkwfy dhw co

eco~lfjnf om hc{ dkjjfc oy vchpphyfcz pd{wkghl jfm kgkfcgkfw oy hj}fywf gocjkzkocw om zdf pyopfyz{ $wvgd hw, ivz coz lkbkzfj zo,

cffjfj yfphk yw , jf zfy koyhz koc, zdf pyfwfcgf om dhqhyjovw ~hwzfw, zot kg wviwzhcgfw, hj}fywf fc}k yocbfczhl gocjk zkocw, f zg #+ zdh z~ovlj bhef zdf pyopfyz{ lfww }hlvhilf, hcj dhw hwwvbfj zdhz zdfyf hyf co wvgd gocjkzkocw hcj bhefw co nvhyhczffw oy

~hyyhczkfw, ftpyfww oy kbplkfj# Zdf hppyhkwfy ~kll coz if yfwpocwkilf moy hc{ wvgd gocjkzkocw zdhz jo ftkwz oy moy hc{ fcnkcffykcn oy

zfwzkcn zdhz bkndz if yfxvkyfj zo jkwgo}fy ~dfzdfy wvgd gocjkzkocw ftkwz# Ifghvwf zdf hppyhkwfy kw coz hc ftpfyz kc zdf mkflj om

fc}kyocbfczhl dhqhyjw, zdkw hppyhkwhl yfpoyz bvwz coz if gocwkjfyfj hw hc fc}kyocbfczhl hwwfwwbfcz om zdf pyopfyz{#

=# Zdf hppyhkwfy dhw ihwfj dkw oy dfy hppyhkwhl yfpoyz hcj }hlvhzkoc gocglvwkoc moy hc hppyhkwhl zdhz kw wviafgz zo whz kwmhgzoy{

gobplfzkoc, yfphkyw, oy hlzfyhz kocw oc zdf hwwvbpzkoc zdhz zdf gobplfzkoc, yfphkyw, oy hlzfyhzkocw om zdf wviafgz pyopfyz { ~kll if

pfy moybfj kc h pyo mfwwkoch l bhccfy#

""" # """""""" # """)# ## #

Page 18: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 18/32

woyyo}fy1 IHYY[ MHNHC zklf C O # 1 >0606BH

G hw f C o #1Wzhzf1 GH Qk 1 ;09=6

NYOWW IVKLJKCN HYFH $NIH+ 78;0

NYOWW LK]KCN HYFH $NLH+ 9=0=

Hyf h$w+ Hyf h & omNIH

lk}kcn 9#=0= 48#=;

Lf}f l l 9,=0= 48#=;

L f} fl 9 0 _ _ _ X , X X _

L f} fl 7 0 0#00

Ozdfy :9= 87#76

Ihwfbfcz 0 _ _ _ X , X X _

Nhyhnf 64: 84#78

H yfh K]fhwvyfbfczw Hyfh Z{pf

lKmmkhwvyfbfczw Mhgzoy Zozhl Lf}fll Lf}fl 9 Lf}fl 7 Ozdfy Iwbz Nhyhnf

s t ___8LXX t #A#AlX# 2 s76X U 9 W A 0 0 0 0 0s t _ _ _ _ _L_XX t #A#AlX# 2 >0#00 0 0 0 0 0 0 0=9#00 t 84#60 t 8#00 2 8 8:Q#00 0 0 0 0 0 0 0

s t s t 8#00 2 66#XX 0 0 0 0 0 0 0s t _®AlX t 8#00 2 X>#60 0 0 0 0 0 0 0s t "#8#7##XX t 8 00 2 908#XO U 9 W A 0 0 0 0 089#60 t _ _ _ 8 X , _ 1 k X , t #A#AlX# 2 8s8#.6 U 9 W A 0 0 0 0 0

_ _ _ 8 X , _ 1 k X , t s t 8#00 2 sa#60 0 0 0 0 0 0 0s t s t #A#AlX# 2 669#96 0 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ # t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0__ t __ t __ " 0 0 0 0 0 0_ _ t _ _ t _ _ 2 0 0 0 0 0 0

Page 19: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 19/32

JkyfgzHQ# HV'0>:9:

GOm]PHYHILF WHLF '8

909:7 Pkfjyh Gdkgh Yohj

HPC1 ::60"087"0=4

GOm]PHYHILF WHLF '9

90468 Ikn Yoge Jyk}f

HPC1 :::;"08="00=

GOB)HYHILF WHLF '7

90:>0 Yo{hl Wzocf Jyk}f

HPC1 ::60"086"098

Page 20: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 20/32

Wz GH Qk 1 ;09=6

GOB.HYHILF WHLF':

987>0 Yhbilh ] kw zh Wzyff z

HPC1 ::68"099"067

GOB.HYHILF WHLF'6

9060: Yogh Gdkgh Jyk}f

HPC1 ::60"08="08;

GOy}PHYHILF WHLF '=

90:9= Yogh Gdkgh Jyk}f

HPC1 ::60"087"0>4

Page 21: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 21/32

I o y y o ~ f y # IHYY[ MHNHC MklfCo#1 >0606BH

Pyopfyz{ Hjjyfww1 90:>6 YOGH GDKGH JY Ghwf Co#1

Wzhzf1 GH Qkp1 ;09=6k yz1 B H LKI V

OssMyGRyOK.(¾YFHL#FW.l¾HkF\PPYHlwzzKzW

YFH#L FWZHZF HPPYHKWFY LKGFCWF

)Yoz 844=

AHsmFW H# 81IFYZ

dhwwsGGz5zwwmvlA{#lcfz zif yfxl+ kyfbfmlzw#m$lU<kl kgfyywf hww yfwkjfczkhl yfhl fwzhzf hppyhkwfy

kykgzdf.Wzhzf1 zymGhlkmxbkz.lhcj# kw,5,0zdfyfmX8>©) fczkzyfgl zo vwf zdf zkzlf )Gfyzzmzf#jYfwkjfczmhl

Yf#hKFwzsz)f#:ppyhkWfy)1# • _ # # # # . G . # < # # , , _

Zdks#lesc®fdhw iffzl (wwvfz1klchgjzAyjsb11f^kkdzB@pyo}kwkocw om zdf Yfhl FwzhzfHppyhk#wsmwyVgfcwkcn hcj GfyzKMkk#1h1zk A c ) U#5h~# #

GO]FY COZF

BHllACN ) (3Y#<5) .kW =74 Vo))) G{c, s#Aa >OA() K.sy).s,$#1,)., .08#8k>

88zv Aa zo g#gckA{ yd(ll zmv )vvz5m##k#Gdsj Kbmz1,s.a.vkzC5j kyA##mzlCyK.G_. 81m#lA,(5,yzl,ssV vzyyzmlu/zk(8. )m.l(zkmk,A

myob s.,V^VKz, uslKlrAhklVlz. zAzV/#/Om KKdzlzz#,#l ####js5#y_

# # M ¾b l 11 1( #k s 55 za ,1b ¾Y,sss88.#1#.+kh#z#51Hppyvywgy

# # G(7d8v#5s##vj g Mvcv1 \D.K ,y,k.V.5.s8D$s1K,¾¾(zss1,

1$1lcl?d)ll¾#.f K+1Kss¾kzuk#¾ A35#+k[8

K ,kb kz w" Pff Ofgg"ygcgg W 8,s,cukA+ma$+ ¾sz18kV,}#,.sn,ysnll511 Wm #O$AO#uVTK

,## z+#5,1jzl._1lkde#s K 7+080

gotcyyzot¥

lA,, , 1_zk 8#ss_ll¾#1 a"\szs),1pLIc)ye"11M l\5(lz1#¾c¾5j Kcj51vlckd

## Ecz, # ####Kssn¾511#ly\]yc(szyVl /.)z.5lP#(kk¾,.lvskk.ll

mh \1fcjkl.8y ####Vsyz.$.8mP)oU. 8,zzknKl11lk#1rz.8 m#tgzVk#k.rY

KADlz.mA h$ )dll#. sccs8L1L 5## #,#d"5 # • c"5#

w#1b ckk#1n\ss._##\A11 K 1 y

lk]1

Page 22: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 22/32

L]}y\ z lV)K]l).\y

Ioyyo~fy# IHYY[ MHNHC M kl f C o #1 >0606BH

G hwf C o #1y o pf y z{ H j jy f ww 1 90:>6 YOGH GDKGH JY

Wzhzf1 GH Qkp1 ;09=6kz{1 BHLKIV

Pyfphyfj i{ 1 Fifyz Hppyhkwhl Wfy}kgf# Kcg# 484";;8";799

88 0 Hjjy••• Joz# Pykgf YB IY Iozd W;Mz Pyotkbkz{

W 90:>6 YOGH GDKGH JY OW/900> Kcwp _00 ; 7 7 9==6 0#00 DK

8 909:7 PKFJYH GDKGH YJ 0:/84/900> 84>6000 80 : 7 9=8; 0#90 888 F

9 90468 IKN YOGE OY 06/0>/900> 7>60000 ; 7 7 9;80 0#:6 BK C^

7 90:>0 88 YO[HLW ZOCF JY 89/86/900= 8:80000 ; : 9 9:89 0#0: BK CCF

: 987>0 YHBILH ]KWZH WZ 89/04/900= 9860000 W 7 6 79;6 8#: BK ^

6 9 0 6 0 : Y O G H G D K G H J Y L K W Z K C N H J A W 8 = ; 6 0 0 0 4 7 7 9 0 4 = 0 # 0 6 C K Kk

## ## ###) ## #)#) ##)"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""

Page 23: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 23/32

yLcK K]B

I oyyo ~ fy# I HY Y [ M H NH C M klf C o #1 > 060 6B H

P yo pf yz{ H jj yf ww 1 9 0: >6 Y ON H N DKN H J Y G hw f C o #1

W zh zf 1 G H Q k p 1 ;09=6k z { 1 BHLKIV

Ow

$5 G JKlf cX+

.)Kl

@sozkl

§$A+

okl,11A)K¥ Bgo #

) ) z( # # #B

h 1 sK# ,

$6okl

.) .)## # # # # #X+

hk l5 <J

Ol 1 1 1 5 s<11

¥zkl0

. )_ ,

s1

.0gJlC ¥+

# q # ) .go

5 5 1 1 C C

g #811A y 1 1 1 0 00 # # q qo f 01 1

D8".s}k s \5 (

. ) .)". D8".

__

Page 24: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 24/32

K L]])yLB,#

Ioyyo~fy1 IHYY[ MHNHC M klf C o ,1 >0606BH

Pyo l8f ( (l Hjjyfww 1 90:>6 YOGH GDKGH JY G hw f C o ,1Gk({1 BHLKIV Wzhzf1 GH Qkl81 ;09=6Lfcjfy1 ^fllw Mhyno Fxvk z{ J kyfg z HQ#, HV'0>:9:

96,W.

^hle"Kc Ihzdx

s

80,0.

Ifjyoob

iIfjyoob

s

Ihzd

,"Ifjyoob

afc Ifjyoob

a #5zos

Go}fyfj Phzko 9#6. s97#6. yc

86#6. B

Ihzd

Nhyhnf

. ) Jkckcn)l

. )s

slk}kcn# # #

Fczy{80#0.

1by K

s Ekzgdfc Cooe K7#6.

Ks sK#6. KK

.) K)Ks. K 8>#0. s9:#0. K

s KIhlgoc{

K99#0.

;I1zl z¦/ kIl^))

Gobbfczw1

HYFH GHLGVLHZKOCW WVBBHY[ LK]KCN HYFH IYFHEJO^CGojf Jfwgykpzkoc Wkqf Cfz Zozhlw Iyfhejo~c Wvizozhlw

NLH8 Mkywz Mlooy 9=06#>6 9=06#>6 Mkywz Mlooy

PKP Ihlgoc{ 700#00 8>#0 t 66#6 ;:7#60

Go}fyfj Phzko 89=#00 :9=#00 >#0 t 80#0 >0#00

NHY Nhyhnf 647#>6 647#>6 84#6 t =9#0 88:>#00

9#6 t 99#0 66#00

6#X t 88#6 6>#60

87#0 T 86#6 908#60

80#6 t 89#6 878#96

ZOZHL LK]HILF $yovcjfj+ 9=0= > Ghlgvlhzkocw Zozhl $yovcjfj+ 9=0=

#"

Page 25: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 25/32

jocf ~kzd wkbklhy pyopfyzkfw kc zdf yfnkoc, ~kzd gocwkjfyhzkoc nk}fc zo zdf o}fyhll pfygfczhnf ihwkw hw ~fll# Kc hjjkzkoc, wkbklhy

pyopfyzkfw yf}kf~fj ivz coz vwfj moy zdf hppyhkwhl, wvppoyz hcj yfkcmoygf zdf hjavwzbfczw vwfj#

Mollo~kcn hyf bhyefz hjavwzbfczw, kc h jfwgfcjkcn lkcf wfxvfcgf#

LOGHZKOC " Wviafgz kw loghzfj kc h xvkfz yfwkjfczkhl hyfh, gobphyhilfw ~kzd nyfhzfy oy lfwwfy loghzkocw dh}f iffc hjavwzfj

hggoyjkcnl{#

WKZF " Jkmmfyfcgfw kc vwhilf loz wkqf o}fy 8,000 WM ~fyf hjavwzfj hz zdf gobboc mhgzoyom*KO/WM, yovcjfj#

HNF/GOCJbOC " Hgzvhl hcj fmmfgzk}f hnf jkmmfyfcgfw ~fyf kcgoypoyhzfj kczo gocjkzkoc hjavwzbfczw# Gocjkzkoc

hjavwzbfczw ~fyf bhjf hggoyjkcnl{, ihwfj oc hll jhzh h}hklhilf, hw ~fll hw jyk}f i{ hchl{wkw#

LK]KCN HYFHlYOOB GOVCZ " Jkmmfyfcgfw kc lk}kcn hyfh ~fyf hjavwzfj hz *89W/WM, moy jkmmfyfcgfw o}fy *8,000 nyoww

hjavwzbfcz hbovcz # Ifjyoob hcj ihzdyoob govcz jkm mfyfcgfw ~fyf hjavwzfj hz *96,000 pfy yoob, hcj *89,600 pfy dhlm

ihzdyoob#

OZDFY " Ozdfy hjavwzbfczw ~fyf bhjf hw cffjfj hcj hyf wflm ftplhchzoy{#

M kch l Yfgocg kl kh z koc

Zdfyf kw kcwvmm kgkfcz jhzh h}hk lhilf kc zdf wviafgz bhyefz zo jfyk}f h nyoww yfcz bvlzkpl kfy oy h nyoww boczdl{ yfcz bvlzkplkfy# Hw

wvgd, zdf bfzdojolon{ om zdf Kcgobf Hppyohgd ~hw coz jf}flopfj zo fwzkbhzf zdf bhyefz }hlvf om zdf wviafgz pyopfyz{#

Mvyzdfyboyf, zdf Kcgobf Hppyohgd kw coz h nfcfyhll{ hggfpzfj bfzdoj moy fwzkbhzkcn zdf }hlvf om o~cfy oggvpkfj wkcnlf

mhbkl{ yfwkjfcgfw kc zdf wviafgz.w bhyefz#

Om zdf zdyff zyhjkzkochl hppyohgdfw zo }hlvf, ocl{ zdf Whlfw Gobphykwoc Hchl{wkw dhw iffc hpplkfj, hlzdovnd, hz zkbfw, zdf gowz

hppyohgd bh{ hlwo if pyfwfczfj# ^dfc wvmmkgkfcz jhzh kw h}hklhilf, zdf bfzdojolon{ om zdf Whlfw Gobphykwoc Hchl{wkw {kfljw

zdf bowz goc}kcgkcn kcjkghzkoc om }hlvf moy h wkcnlf mhbkl{ yfwkjfcgf kc zdf wviafgz .w bhyefz hyfh# Hlzdovnd wviwzhczkhl

hjavwzbfczw bh{ if hppl kfj zo zdf whlfw pykgfw om zdf gobphyhilf pyopfyzkfw, zdf jhzh kc zdkw hchl{wkw kw gocwkjfyfj zo if om

wvmmkgkfcz xvhlkz{ hcj xvhczk z{ zo pyfwfcz h goc}kcgkcn fwzkbhzf om }hlvf# Zdfyfmoyf, bowz ~fkndz kw plhgfj oc zdf Whlfw

Gobphykwoc Hchl{wkw kc fwzkbhz kcn zdf bhyefz }hlvf om zdf wviafgz pyopfyz{ hw om zdf fmmfgz k}f jhzf om zdf hppyhkwhl # Zdf }hlvf

fwzkbhzfj i{ zdf Gowz Hppyohgd, kmpyfwfcz, kw gocwkjfyfj zo if wvppoyzk}f#

Hll gobphyhilfw ~fyf nk}fc wobf gocwkjfyhzkoc kc jfzfybkckcn zdf wviafgz .w mkchl fwzkbhzfj bhyefz }hlvf# Zdf gobphyhilfw

vwfj kc zdkw hppyhkwhl yfpoyz iyhgefz zdf wviafgz .w bhyefz }hlvf iozd ifmoyf hcj hmzfy hjavwzbfczw ~fyf hpplkfj# Ftzfcwk}f

yfwfhygd ~hw cfgfwwhy{ zo mkcj zdf }fy{ ifwz kcjkghzoyw om bhyefz }hlvf, ~dkgd dh}f kcjkghzfj h gvyyfcz fwzkbhzfj bhyefz }hlvf#

Kc wvbbhy{, zdkw hppyhkwhl yfpoyz, mollo~kcn hppyo}fj hcj chzkochll{ hgeco~lfjnfj hppyhkwhl nvkjflkcfw, ihwfj oc zdf bhyefz

jhzh h}hklhilf, dhw jfzfybkcfj h mkchl fwzkbhzfj bhyefz }hlvf moy zdf pyopfyz{# Zdkw kw ihwfj oc coz ocl{ zdf gobphyhilfw

wdo~c kc zdf yfpoyz, ivz hlwo zdf joqfcw om gobphyhilfw, iozd gvyyfcz hcj phwz, coz kcglvjfj kc zdkw yfpoyz# Zdf{ hlwo wvppoyz

zdf fwzkbhzfj bhyefz }hlvf moy zdf wviafgz#

Hjjfcjvb Phnf : om 6

Page 26: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 26/32

Jvf zo zkbf hcj yfwovygf gocwzyhkczw, ~dkgd hyf gobboc kc zdf bhyefz plhgf, zdf hppyhkwfy cfgfwwhykl{ yfwfy}fw zdf ykndz zo

pyo}kjf bojkmkghzkocw oy hjjfcjvb zo zdf kckzkhl yfpoyz, ihwfj oc mvyzdfy kcmoybhz koc oy jhzh pyfwfczfj hmzfy zdf yfpoyz kw

wvibkzzfj# Hll fmmoyzw ~fyf bhjf zo }fykm{ hll kcmoybhzkoc vwfj kc zdkw yfpoyz#

Hj}fywf Fc}kyocbfczhl Gocjkzkocw

Zdf ftkwzfcgf om hc{ dhqhyjovw bhzfykhl, kcglvjkcn ivz coz lkbkzfj zo, Vyfh Moybhljfd{jf Mohb Kcwvlhzkoc, yhjoc nhw,

hwifwzow pyojvgzw, lfhj ihwfj phkczw oy zotkg ~hwzf goczhbkchcz, ~dkgd bh{oy bh{ coz if pyfwfcz kc zdf wviafgz

kbpyo}fbfczw, oc zdf wkzf oy kc zdf kbbfjkhzf }kgkckz{ om zdf wviafgz, dhw coz iffc oiwfy}fj i{ zdf hppyhkwfy# Zdf hppyhkwfy

dhw co eco~lfjnf om zdf ftkwzfcgf om wvgd dhqhyjovw bhzfykhl kc oy oc zdf pyopfyz{# Kzwdovlj if cozfj zdhz dobfw ivklz

ifmoyf 8;>4 bh{ goczhkc lfhj ihwfj phkcz hcj zdf glkfcz wdovlj if hj}kwfj om kzw powwkilf ftkwzfcgf# Hlwo, zdf FPH wvnnfwzw

zdhz hll dobfw if zfwzfj moy yhjoc nhw# Km zdf glkfcz dhw h gocgfyc zdfc h xvhl kmkfj ftpfyz wdovlj if goczhgzfj#

Plfhwf cozf zdhz jvf zo zdf gocwzhcz hcj gdhcnkcn mlooj qocfw hcj zdfky yhzkcnw i{ zdf govcz{, zdf yfhjfy kw hj}kwfj zo wffe

kcmoybhzkoc hcj gfyzkmkghzkoc om zdf bowz yfgfcz kcmoybhzkoc myob zdf pyopfy hvzdoykzkfw# Jvf zo zkbf hcj ivjnfzhy{

gocwzyhkcw, zdf kcmoybhzkoc goczhkcfj kc zdkw wvbbhy{ yfpoyz kw pyfwfczfj hw zdf bowz gobbocl{ eco~c hcj yflfhwfj hyfh

kcmoybhzkoc# Plfhwf cozf zdhz jvf jklknfcgf dhw iffc mollo~fj, ivz hggvyhg{ kc hll ghwfw ghccoz if mvll{ nvhyhczffj#

Dkndfwz hcj Ifwz Vwf

Dkndfwz hcj Ifwz Vwf kw zdhz yfhwochilf hcj pyoihilf vwf zdhz ~kll wvppoyz zdf dkndfwz pyfwfcz }hlvf, hw jfmkcfj, hw om zdf

fmmfgzk}f jhzf om zdf hppyhkwhl# Hlzfychzk}fl{, kz kw zdhz vwf, myob hbocn lfnhll{ pfybkwwkilf, pd{wkghll{ hcj yfhwochil{ powwkilf

vwfw, movcj zo if fgocobkghll{ hcj mkchcgkhll{ mfhwkilf, hcj ~dkgd yfwvlzw kc zdf bowz pyomkzhilf om zdf hlzfychzk}fw#

Nk}fc zdf gvyyfcz qockcn, loghzkoc hcj wkqf om zdf wkzf, wvyyovcjkcn lhcj vwfw $yfgonckqkcn zdf pykcgkplf om gocmoybkz{+ hcj

jf}flopbfcz gdhyhgzfykwzkgw om zdf bhyefz hyfh, ovy opkckoc om zdf dkndfwz hcj ifwz vwf om zdf pyopfyz{ )hw }hghcz) kw moy wkcnlf

mhbkl{ yfwkjfczkhl jf}flopbfcz# Mvyzdfy, zdf ftkwzkcn vwf/kbpyo}fbfczw ftgffj zdf }hlvf om zdf wkzf }hghcz5 zdfyfmoyf ovyopkckoc om zdf dkndfwz hcj ifwz vwf om zdf wkzf )hw kbpyo}fj) kw moy gocz kcvfj wkcnlf mhbkl{ yfwkjfcz khl vwf#

Gobbfczw oc zdf Whlfw Gobphykwoc Hchl{wkw

Wkcgf coz f}fy{ wviafgz ghc if gobphyfj zo )kjfhl) gobphyhilf whlfw, zdf hppyhkwfy dhw gdowfc ~dhz hyf iflkf}fj zo if zdf ifwz

gobphyhilf whlfw h}hklhilf myob h zdoyovnd hcj ftzfcwk}f wfhygd moy gobphyhilf whlfw jhzh kc zdf wviafgz .w bhyefz# Zdf whlfw

wflfgzfj moy vwf kc zdf hchl{wkw hyf gocwkjfyfj zo if zdf ifwz kcjkghzoyw om }hlvf moy zdf wviafgz pyopfyz{# Ozdfy whlfw yf}kf~fj

~ovlj dh}f yfxvkyfj ftgfwwk}f hjavwzbfczw hcj ~fyf coz gocwkjfyfj zo if hw yflkhilf hw zdf whlfw gdowfc#

Hjavwzbfczw ~kzdkc zdf Whlfw Gobphykwoc Hchl{wkw hyf ihwfj oc zdf bhyefz whlfw gobphykwoc bfzdoj, nfcfyhll{ fbplo{kcn zdfbhzgdfj phky pyogfww, hcj coz wpfgkmkghll{ ihwfj oc gowz mknvyfw#

F}fy{ fmmoyz dhw iffc bhjf zo gocmoyb zo MDLBGKMCBH Nvkjflkcfw hcj kc bowz ghwfw, hc f}fc wzykgzfy kczfypyfzhzkoc movcj

gobboc zo bowz kc}fwzoyw kc zdf wfgocjhy{ bhyefz#

Ihwfj oc zdf bhyefz jhzh, hw ~fll hw ozdfy wovygfw, kz hppfhyw zdhz hl l gobphyhilf whlfw ~fyf wolj ~kzd co wpfgkhl oy gyfhzk}f

mkchcgkcn oy whlfw gocgfwwkocw, vclfww ozdfy~kwf wpfgkmkghll{ cozfj# Glowkcn gowz phkj i{ zdf wfllfyw om zdf gobphyhilf

pyopfyzkfw hyf fxvk}hlfcz zo z{pkghl mkchcgkcn zfybw ommfyfj i{ zdkyj phyz{ kcwzkzvzkochl lfcjfyw kc zdf loghl bhyefz# Kc zdfhppyhkwfy.w opkckoc, zdfwf whlfw yfpyfwfcz z{pkghl bhyefz mkchcgkcn zyhcwhgzkocw# Zdf whlfw pykgfw hyf coz gocwkjfyfj zo if

kcmlhzfj i{ wpfgkhl oy ftgfwwk}f mkchcgkcn gocgfwwkocw# Zdf kcjkghzfj }hlvfw om zdf gobphyhilf whlfw yfmlfgz zdf }hlvf om zdf

wviafgz yfhl fwzhzf hcj kcglvjf ocl{ zdowf wfllfyw . glowkcn gowzw, coybhl l{ phkj i{ zyhjk zkoc oy lh~ kc zdf bhyefz hyfh#

Nyoww l k}kcn hyfhw wdo~c moy zdf gobphyhilf whlfw, hyf fwzkbhzfw ihwfj oc kcmoybhz koc myob ocf oy boyf om zdf mollo~kcn

wovygfw1 Bvlzkplf Lkwzkcn Wfy}kgf $BLW+, govcz{/gkz{ zht yfgoyjw, yfhl fwzhzf hnfczw, dobfo~cfyw, ivkljfyw, hppyhkwfyw,

kczfyommkgf jhzh ihce oy hgzvhl bfhwvyfbfczw# Wl kndz }hykhzkocw kc wkqf ~kl l dh}f co fmmfgz oc zdf fwzkbhzf om }hlvf# Hll

gobphyhilf whlfw hyf wfzzlfj zo zdf ifwz om zdf hppyhkwfy.w eco~lfjnf# ]fykmkghzkoc kw ~kzd govcz{ yfgoyjw hcj/oy Yfhlzoy#

Wviafgz kw gobphzkilf zo zdf cfkndioydooj kc zfybw om wkqf, gocjkzkoc, xvhlkz{, hcj hppfhl# Co pyflkbkchy{ zkzlf yfpoyz oy

fwgyo~ kcwzyvgzkocw ~fyf pyo}kjfj moy yf}kf~# Goczhgz ~kzd yfwpfgzk}f iyoefyw ~fyf wobfzkbfw yfxvkyfj zo yfwol}f

jkwgyfphcgkfw movcj ifz~ffc pvilkg yfgoyjw hcj BLW# H zdoyovnd wfhygd om zdf bhyefz hyfh kcglvjfj, ivz ~hw coz l kbkzfj zo,

pvilkg yfgoyj, GBJG, ZY , Jhbhy, JhzhXvkge, BLW Iooew hcj Gobpvzfyw, hyfh iyoefyw hcj zkzlf gobphckfw, hcj ozdfy

hppyhkwfyw# Zdf gobphyhilfw vwfj hcj hjavwzbfczw bhjf hyf zdf ifwz h}hklhilf, hcj hggvyhzf kcjkghzoyw om zdf bhyefz }hlvf#

Zdf kcjk}kjvhl lkcf hjavwzbfczw hcj gvbvlhzk}f hnnyfnhzf cfz hjavwzbfczw vzklkqfj bh{ ftgffj zdf pyfmfyyfj z{pkghl hjavwzbfcz

wzhcjhyj# Jvf zo zdf jfbhcj kc zdkw hcj wkbklhy bhyefzw, ~k zd zdf lhge om yfgfcz wkbklhy whlfw kc zdkw gvyyfcz kbbfjkhzf bhyefz

hyfh, zdfwf hjavwzbfczw ~fyf ~hyyhczfj# Zdf hjavwzbfczw hyf vlzkbhzfl{ ihwfj oc iozd pyfwfcz hcj phwz bhzgdfj phky hchl{wkw

"#1Klbhnf 7 om 6

Page 27: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 27/32

wviafgz pyopfyz{ kw myff om vcjfzfgzfj pyoilfbw, powwkilf jfmfgzw oy fc}kyocbfczhl dhqhyjw zdhz govlj ftkwz#

Gobplfzf }kwvhl kcwpfgzkoc om zdf kczfykoy hyfhw omzdf wviafgz pyopfyz{1 H }kwvhl oiwfy}hzkoc myob

wzhcjkcn dfkndz om zdf hggfwwkilf hyfhw hcj vcoiwzyvgzfj, ftpowfj wvymhgfw om zdf lk}kcn hyfh ~kzdovz yfbo}hl om pfywochl

powwfwwkocw# K z kcglvjfw zdf }kwvhl oiwfy}hzkoc om hzzhgdfj hvzoboiklf wzoyhnf, km hc{, hw ~fll hw om hc{ hzzhgdfj hggfwwoy{

ivkljkcnw avjnfj i{ zdf hppyhkwfy zo dh}f goczykivzoy{ }hlvf#

Gobplfzf }kwvhl kcwpfgzkoc om zdf ftzfykoy om zdf wviafgz pyopfyz{1 H }kwvhl oiwfy}hzkoc om zdf

vcoiwzyvgzfj, ftpowfj, hcj hggfwwkilf pfykbfzfy om zdf yfwkjfczkhl kbpyo}fbfczw myob wzhcjkcn dfkndz# Kz kcglvjfw zdf }kwvhl

oiwfy}hzkoc om hzzhgdfj oy jfzhgdfj hvzoboiklf wzoyhnf, km hc{, hw ~fll hw om hc{ jfzhgdfj hggfwwoy{ ivkljkcnw, pyk}hzf pool,

wph, zfcckw govyz, wpoyz govyz, ihlgockfw, phzkow, fzg# avjnfj i{ zdf hppyhkwfy zo dh}f goczykivzoy{ }hlvf#

Lk}kcn hyfh1 Lk}kcn hyfh kw jfmkcfj hw lfnhl, mkckwdfj, pfybhcfczl{ dfhzfj, lk}kcn wphgf goczknvovw ~kzd ozdfy lk}kcn hyfh

hcj yfnhyjfj i{ h z{pkghl pvygdhwfy hw ifkcn dhikzhilf hcj hw dh}kcn vzk lk z{ # Zdf }kwvhl oiwfy}hzkoc om zdf hzzkg, zdf gyh~l

wphgf, hc{ vcmkckwdfj ihwfbfcz, hcj iflo~ nyhjf wzoyhnf kw ihwfj oc z{pkghll{ hgeco~lfjnfj hppyhkwhl kcwpfgzkoc wzhcjhyjw,

zdhz kw, km zdf hggfww kwyfhjkl{ h}hklhilf , i{ pfybhcfcz wzhkyw hcj oy wzfpw, zdfc kzghc if oiwfy}fj# Zdkw hppyhkwhl yfpoyz

gocmoybw zo bhc{ om zdf wzhcjhyjw wvnnfwzfj i{ Zdf Hbfykghc Chzkochl Wzhcjhyjw Kcwzkzvzf HCWK Q>=6"9007, hppyo}fj

Co}fbify 9007#

Fwzkbhzfj bhyefzkcn zkbf kw ihwfj oc gvyyfcz hcj/oy phwz wzvjkfw om whlfw hgzk} kz{ pyo}kjfj i{ zdf loghl hcj yfnkochl

pyomfwwkochlw, kcglvjkcn zdf Bvlzkplf Lkwzkcn Wfy}kgfw, hw ~fll hw zdf hppyhkwfy.w eco~lfjnf om zdf pyopfyz{.w bhyefz# Zdf

fwzkbhzf hwwvbfw pyopfy pykgkcn hcj bhyefzkcn# Zdf fwzkbhzfj bhyefzkcn zkbf kw z{pkghll{ myob ocf ~ffe zo wkt boczdw#

Zdkw hppyhkwhl vzklkqfw jknkzkqfj flfgzyockg wknchzvyfw zdhz pyf}fcz zdf hlzfykcn om zdf hppyhkwhl yfpoyz kc hc{

bhcoy ~kzd zdf yfbo}hl om zdf hppyhkwfy.w wknchzvyf# Zdfwf wknchzvyfw hyf wfgvyf hcj kyyf}oghilf, ikcjkcn zdf hppyhkwfy$w+ zo

zdf hggvyhg{ hcj gobplfzfcfww om zdf hppyhkwhl yfpoyz#

Hjjkzkochl Gobbfczw

• Zdf wefzgd om zdf wviafgz pyopfyz{ k wp ykbhy kl{ zo hwwkwz zdf yfhjfy $yf}kf~fy+ kc} kwvhlkqkcn zdf pyopfyz{ hw ~f dh}f

wffc kz myob ovy oc wkzf kcwpfgzkoc# Zdf mlooy plhc pyo}kjfj kw coz kczfcjfj zo jvplkghzf zdf ivkljfy .w plhc zo wghlf ,

ivz yhzdfy zo if h nvkjf zo zdf yf}kf~fy kc f}hlvhzkcn coybhl zyhmm kg phzzfycw ~kzdkc zdf pyopfyz{#

• Hyfhw om lkbkzfj hggfww $k#f # h zz kg , gyh~l wphgfw, fh}fw, f zg #+ bh{ coz cfgfwwhyk l{ if kcwpfgzfj jvf zo lkbkzfj hggfww#

Moy pvypowfw om zdkw hppyhkwhl , h gocjkzkoc moy hc{ wvgd hpplkghilf hyfh kw jfzfybkcfj hmzfy h }kwvhl kcwpfgzkoc om

yflhzfj/hjaokckcn phyzw om zdf wzyvgzvyf# Hc hppyhkwfy kw h zyh kcfj hcj ftpfykfcgfj oiwfy}fy om yfhl fwzhzf, ivz

yfgonckqkcn, jfzfgzkcn, oy bfhwvykcn goczhbkchzkoc kw omzfc if{ocj zdf wgopf om zdf hppyhkwfy.w ftpfyzkwf#

Yfbfjkhzkoc hcj gobplkhcgf gowz fwzkbhzkoc kc}ol}fw eco~lfjnf hcj ftpfykfcgf if{ocj zdhz om bowz hppyhkwfyw#

• Zdkw kcwpfgz koc kwcoz kczfcjfj zo wfy}f hw h zfybkzf kcwpfgz koc, hlzdovnd hc{ pyoilfbw oiwfy}fj hyf cozfj kc zdf

hppyhkwhl# Zdf iv{fy oy dobfo~cfy wdovlj goczhgz h xvhlkmkfj kcwpfgzkoc pyomfwwkochl moy zdkw wfy}kgf km wo jfwkyfj#

• K zfbw gocwkjfyfj zo if pfywochl pyopfyz{, kcglvjkcn, ivz coz l kbkzfj zo, mvyckzvyf , zflf}kwkocw, oy ozdfy fhwkl{

yfbo}hilf kzfbw, hyf coz kcglvjfj kc zdf hppyhkwfj }hlvf om zdf wviafgz#

• Kc zdf pyfphyhzkoc om zdkw hppyhkwhl zdf pdozonyhpdw dh}f iffc jknkz kqfj# Hll pdozow hyf hggvyhzf yfpyfwfczhzkocw om

zdf pyopfyzkfw # Jvf zo fxvkpbfcz bhlmvcgzkoc, ihj lkndzkcn, pooy hggfww, oy ozdfy pyoilfbw, wobf pdozow vwfj bh{

gobf myob hppyhkwfy .w o~c wzoge, oy myob loghl yfhlzoyw, hnfczw, BLW, oy ozdfy wovygfw# Hz zkbfw, ~dfc zdf wzyffz

pdozo om h gobphyhilf wdo~w ocl{ h nhzf, h wzoge oy BLW pdozo om zdf hgzvhl dovwf b{ if vwfj, hw kz boyf

hggvyhzfl{ yfmlfgzw zdf pyopfyz{ , hcj hllo~w h ifzzfy hchl{wkw om k zw w kbklhykz kfw hcj jkmmfyfcgfw# Zdkw dhw co fmmfgz oc

zdf }fyhgkz{ oy kczfnykz{ om zdf mkchl fwzkbhzfj bhyefz }hlvf om zdf yfpoyz#

• Zdf Hbfykghcw ~kzd Jkwhiklk zkfw Hgz $HJH+ ifghbf fmmfgzk}f Ahcvhy{ 9=, 8;;9# Zdkw kcwpfgzkoc jofw coz yfpyfwfcz h

wpfgkmkg gobplkhcgf hchl{wkw zo jfzfybkcf km zdf pd{wkghl hwpfgzw bffz zdf HJH hggfwwkiklkz{ nvkjflkcfw# Zdkw

kcwpfgzkoc jofw coz wvnnfwz HJH gobplkhcgf# Wkcgf gobplkhcgf ftpfgzhzkocw ghc gdhcnf ~kzd fhgd o~cfy.w mkchcgkhl

hiklkz{ zo gvyf jfmkgkfcgkfw, zdf }hlvf om zdf wviafgz jofw coz gocwkjfy powwkilf cocgobplkhcgf#

Opkckocw oy fwzkbhzfw ftpyfwwfj dfyfkc yfpyfwfcz ovy ifwz avjnbfcz ivz wdovlj coz if gocwzyvfj hw hj}kgf oy yfgobbfcjhzkoc

z o h gz # Zdf hpp yh kw fy w do vl j i f goc zh gzf j ~ kz d hc{ xvf wzk oc w i fm oy f zd kw y fp oy z k w y f lk fj v poc mo y j fg kw ko c bhe kc n# Zdk whppyhkwhl yfpyfwfczw hc fwzkbhzf om }hlvf ihwfj oc hc hchl{wkw om kcmoybhzkoc eco~c zo vw hz zdf zkbf zdf hppyhkwhl ~hw

gobplfzfj# Kmcf~ jhzh oy jogvbfczhzkoc kw pyo}kjfj, zdf }hlvf kc zdkw yfpoyz bh{ gdhcnf ihwfj oc zdf cf~ jhzh#

Zdf yfhjfy om zdkw yfpoyz wdovlj yfhlkqf zdhz zdf pdozonyhpdw om zdf gobphyhilf whlfw vwfj kc zdkw yfpoyz bh{ yfmlfgz zdfky

gocjkz koc hw om zdf jhzf om jyk}f"i{ hchl{wkw , ivz jo coz cfgfwwhyk l{ yfmlfgz zdfky gocjkzkoc hw om zdfky jhzf om whlf# Kcmoybhzkoc

pyo}kjfj kc zdf yfpoyz yfnhyjkcn zdf gobphyhilfw yfmlfgzw zdfky gocjkzkoc hw om zdfky whlf jhzf#

Zdkw hppyhkwhl hwwkncbfcz kw zo fwzkbhzf zdf bhyefz }hlvf, hw om zdf fmmfgzk}f jhzf, ~kzdovz zdf kcmlvfcgf om hc{ glowkcn gowzw

hyyhcnfbfczw oy zdf kcglvwkoc om hc{ pfywochl pyopfyz{# Zdf hppyhkwhl hwwkncbfcz jofw coz hllo~ zdfwf zo dh}f hc{ }hlvf oy

kcmlvfcgf oc zdf mkchl fwzkbhzfj bhyefz }hlvf om zdf wviafgz pyopfyz{#

HKljfcjKKc Phnf 9 gz 6

Page 28: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 28/32

Vpnyhjfw hcj Yfbojflkcn zo Wviafgz

Hppyot *960,000 kc vpnyhjfw wkcgf 8;;=#

Hll cf~ ekzgdfc ghikcfzw, govczfyw, mktzvyfwNyhckzf govczfyzopw,

Cf~ Ivklz Kcw

Yfgfww Lkndzkcn#

Nyhckzf Govczfyw

Cf~ Mkyfplhgf

Cf~fy Dhyj~ooj Mlooyw zdyovndovz

Cf~fy Dhcj Zyo~fllfj Wboozd Wzvggo ftzfykoy

Hll Cf~ Lhcjwghpkcn

Bhyilf Govczfyw kc Ihzdw

Goppfy Nvzzfyw - Jo~cwpovzw

Cf~ Yoom

Cf~ ^kcjo~w kc zdf myocz om zdf dobfCf~ Myocz Jooyw hcj Fczy{~h{

Goppfy Plvbikcn Iozd Doykqoczhl - ]fyzkghlOgfhc ]kf~ ihlgoc{/phzko

Hll Wlhzf jyk}f~h{

Hll Wlhzf myocz ~hle~h{, poygd - dhyjwghpkcn

Yfhy Phzko om Goyhl WzocfYfgfww Lkndzkcn kc hll yoobw

Hll Wlhzf Bhkliot

Hll Cf~ Ovzjooy Lkndzkcn myocz hcj ihgeFtzfykoy Z] hcj Ovzjooy Wpfhefyw

Hll ^ooj Wdvzzfyw kc f}fy{ yoob#

Hll Cf~ Jooy hcj Mlooy Bovljkcnw

Glhykmkghzkoc om Wgopf om^oye

Zdf pvypowf om zdkw hppyhkwhl kw zo fwz kbhzf zdf Bhyefz ]hlvf $wff hzzhgdfj+ om zdf wviafgz pyopfyz{ zo hwwkwz kc gollhzfyhl

hwwfwwbfcz# Zdkw hppyhkwhl yfpoyz kwpyfphyfj moy zdf wolf hcj ftglvwk}f vwf om zdf glkfcz $zdf Kczfcjfj Vwfy+ zo hwwkwz ~k zd zdf

boyznhnf lfcjkcn jfgkwkocw#

Zdf Kczfcjfj Vwfy om zdkw hppyhkwhl yfpoyz kw zdf Lfcjfy/Glkfcz # Zdf Kczfcjfj Vwf kw zo f}hlvhzf zdf pyopfyz{ zdhz kwzdf wviafgz

om zdkw hppyhkwhl moy fwzhzf }hlvhzkoc, wviafgz zo zdf wzhzfj Wgopf om ^oye, pvypowf om zdf hppyhkwhl, yfpoyzkcn yfxvkyfbfczw om

zdkw hppyhkwhl yfpoyz moyb, hcj Jfmkckzkoc om Bhyefz ]hlvf# Co hjjkzkochl Kczfcjfj Vwfyw hyf kjfczkmkfj i{ zdf hppyhkwfy#

Zdkw yfpoyz bh{ goczhkc gobbfczw, gocjkzkocw, hcj/oy gfyzkmkghzkocw hjjfj i{ zdf wknckcn hppyhkwfy hcj/oy Fifyz Hppyhkwhl

Wfy}kgf, Kcg# kcglvjkcn, ivz coz lkbkzfj zo, zdkw Wvpplfbfczhl Hjjfcjvb# Zdfwf kzfbw wdhll wvpfywfjf hcj zhef pyfgfjfcgf o}fy

hll ozdfy lhcnvhnf, yfxvkyfbfczw, oy gocjkzkocw goczhkcfj kc hc{ pyfpykczfj hcj/oy zdkyj"phyz{ moybw oy jogvbfczw kcglvjfj kc,

oy kcgoypoyhzfj i{ yfmfyfcgf kczo, zdf hppyhkwhl yfpoyz#

O~cfywdkp om Kczfllfgzvhl Pyopfyz{ hcj/oy Jhzh "Fifyz Hppyhkwhl Wfy}kgf, Kcg# ftpyfwwl{ yfzhkcw hll ykndz, zkzlf,

hcj kczfyfwz kc hll phzfczw, zyhjfbhyew, zyhjf chbfw, zyhjf wfgyfzw, womz~hyf, jhzh, gocglvwkocw, opkckocw, }hlvhzkocw, oy ozdfy

kcmoybhzkoc kcglvjfj kc, hykwkcn ovz om, oy kc hc{ ~h{ yflhzfj zo zdkw hppyhkwhl oy zdf pyo}kwkoc om hppyhkwhl wfy}kgfw zo zdf

chbfj glkfcz hcj/oy Kczfcjfj Vwfy# Zdf yfpoyz hcj kcmoybhzkoc wvpplkfj i{ zdf wzhmm hcjloy hnfczw om Fifyz Hppyhkwhl Wfy}kgf,

Kcg# kw h gvlbkchzkoc om kczfllfgzvhl fjvghzkoc, pyomfwwkochl ftpfykfcgf,- pfywochl kc}fwzknhzkoc, ~dkgd wdhll hz hll zkbfw

yfbhkc zdf pyopfyz{ om Fifyz Hppyhkwhl Wfy}kgf, Kcg# Co pfywoc wdhll if fcz kzlfj zo iyfhe jo~c, wzykp ovz, bkcf, oy jkwwfbkchzf

hc{ gobpocfcz oy phyz om zdkw yfpoyz #

Hjfxvhg{ om Wgopf " Zdf hppyhkwfy dhw pyopowfj hcj zdf Glkfcz dhw hnyffj $pykoy zo wvibkwwkoc+ zdhz zdf lf}fl om

jf}flopbfcz hcj yfpoyzkcn jfzhklfj hio}f kw wvmmkgkfcz zo hjjyfww zdf wviwzhczkhzf gykzfykh om h yfhwochilf Wgopf om ^oye

~kzdkc zdf goczftz om zdf Kczfcjfj Vwfyw hcj Kczfcjfj Vwf# ^kzd zdf ftgfpzkoc om yf}kwkocw bhjf moy zdf pvypowf om

goyyfgzkoc om hc{ fyyoyw, zdf Hppyhkwfy jofw coz hczkgkphzf mvyzdfy jf}flopbfcz oy yfpoyzkcn yfxvkyfbfczw moy zdkw hwwkncbfcz#

Hc{ hjjkzkochl yfxvfwzw myob zdf Glkfcz oy hc{ zdkyj phyzkfw bh{ yfpyfwfcz h gdhcnf kc zdf hwwkncbfcz gocjkzkocw hcj yfxvkyf

zdf jf}flopbfcz om h cf~ hwwkncbfcz#

Zdf hppyhkwhl kw ihwfj oc zdf kcmoybhzkoc nhzdfyfj i{ zdf hppyhkwfy myob pvilkg yfgoyjw, ozdfy kjfczkmkfj wovygfw, gobplfzf

} kwvh l oiwfy}h zkoc o mzdf kczfy ko y hcj ft zf ykoy o m zdf wvi afgz p yopfyz{, k zw cfkndio ydooj, hcj wflfg zkoc o m gobphyhi lf w hlfw~kzdkc zdf wviafgz.w bhyefz hyfh# Zdf oyknkchl wovygf om zdf gobphyhilfw kw wdo~c kc zdf Jhzh Wovygf wfgzkoc omzdf bhyefz

nykj hlocn ~kzd zdf wovygf om gocmkybhzkoc, km h}hklhilf# Zdf wovygfw hcj jhzh hyf gocwkjfyfj yflkhilf# ^dfc gocmlkgzkcn

kcmoybhzkoc ~hw pyo}kjfj, zdf wovygf jffbfj bowz yflkhilf dhw iffc vwfj#

Zdf hppyhkwfy kwcoz h dobf kcwpfgzoy hcj zdf hppyhkwhl yfpoyz kw coz h dobf kcwpfgzkoc# Zdf hppyhkwhl yfpoyz ghccoz if yflkfj

vpoc zo jkwglowf dkjjfc jfmfgzw zdhz hyf coz hpphyfcz myob h }kwvhl oiwfy}hzkoc om zdf wvymhgfw om zdf wviafgz pyopfyz{ myob

wzhcjkcn dfkndz# Zdf zfwzkcn om w{wzfbw $wzyvgzvyhl, flfgzykghl, bfgdhckghl, dfhzkcn, goolkcn, plvbikcn+ hcj gobpocfczw $wvgd

hw hpplkhcgfw, mktzvyfw, jooyw, ~kcjo~w, fzg#+ lkfw ovzwkjf om zdf wgopf om zdkw hppyhkwhl hwwkncbfcz#Zdkw yfpoyz kw coz kczfcjfj

moy vwf i{ zdf ioyyo~fy moy zdf pvypowf om kjfczkm{kcn hc{ hj}fywf gocjkz kocw kc zdf wviafgz. w w{wzfbw hcj gobpocfczw ~dkgd

bkndz if yf}fhlfj i{ hc{ kcwpfgzkocw i{ lkgfcwfj pyomfwwkochlw kc hc{ yflf}hcz mkflj# Zdkw hppyhkwhl jofw coz nvhyhczff zdhz zdf

HjjfyjAb Phnf 8om 6

Page 29: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 29/32

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz MklfCo# >0606BH

MFHZVYF K WVIAFGZ GOB.HYHILFHLFCO#: GOB.HYHILFWHLFCO#6 GOB.HYHILFWHLFCO#=

90:>6 YOGH GDKGH JY

HjjyfwwBHLKIV

8#:BK^

987>0 Yhbilh ] kw zh Wzyff z

HPC1 ::68"099"067

9060: Yogh Gdkgh Jyk}f

HPC1 ::60"08="08;

90:9= Yogh Gdkgh Jyk}f

HPC1 ::60"087"0>4

Pyotkbkz/c Wvikfgz 0#0= BK ^ 0#0= BK ^

WhlfPykGf * 0 Kw 9860000 Kw

BLW/Pvilkg Yfgoyj

%$"+ WB_,,,, JFWGYKPZKOC

Gvyyfcz Lkwzkcn

C/H

8,4;6,000 U w 84;6000

WhlfPykgf,Nyowwk}#Hyfh w 0#00 WX# Kz * =69#60 WX# Kzl * ;0>#6> wo#mz l w =4>#0; wo#mz l

c h z h Wovygf$w+ Kcwpfgzkoc BLW/Pvilkg Yfgoyj BLW/Pvilkg Yfgoyj

]fykmkghzkocWovygf$w+ Kcwpfgzkoc Jog' 9>9;:44 Gvyyfcz Lkwzkco Gvyyfcz Lkwzkco

]HLVFHJAVWZCFCZW JFWGYKPZKOC JFWGYKPZKOC #$"+WBv,,,,,,,,,, JFWGYKPZKOC %$"+ *Hj\# lw zbfcz

Whlfoy Mkchcgkcn

Gocgfwwkocw

Cocf Eco~c Goc}fczkochl

*8,>90000 8wz

Gvyyfcz Lkwzkcn

C/H

JhzfomWhlf/mkbf 06/900> Kcwoz 89/04/900=Glowfj LKWZKCN HJAWZ "96,000 LKWZKCN HJAWZ "96,000

Loghzkoc ]fy{ Nooj ]fy{ Nooj ]fy} Nooj ]fy} Nooj

LfhwfdolBffWkbolf Mff Wkbolf Mff Wkbplf MffWkbolf Mff Wkbolf

Wkzf

]kf~

8987=/89E Vwilf

Ogfhc, Gkz} L kzfw

6>6087000

Wkbklhy

; 00 00 9 40 :4 /8 00 00

WK Wvpfykoy

90 000 89;;4/6000

"800 ,000 WK Kcmfy ko y

>0000

800,000

JfwkocWz}lf+ Zyhjkzkochl Bfjkzfyyhcfhc Yhcgd Yhcgd

Ovhlkk.uomGocwzyvgzkoc Nooj Nooj Nooj Nooj

HgzvhlHgf 8;== 9009 8;=4 8;=4

Gocjkzkoc ]fy{ Nooj ]fy{ Nooj Wllcmfykoy 860 000 ]fy} Nooj

Hio}fNyhjf

YoobGovcz

Nyowwk} kcn Hyfh 800

Z O k h K K I . m K l K , a I h ) ) Z 0 K h 8 K I z l c c , a I h . )"60000 4878 7

96 000 Zos8 K I z l c c w # ( I h ) , 96000

9=0= WX# Kz

48 :8 7 48 78 6

7,9;6 WX# Kz "=4 ;00 9,044 wo# Kz

48 78 7

68 400 9,>64 WX Kz "86,900

Ihwfbfc z - Mkc kwdfj

YoobwIflo~Nyhjf

Cocf

Cocf

Cocf

Cocf

Cocf

Cocf

Cocf

Cocf

MvcgzkochlVzklkz/ Nooj Nooj Nooj Nooj

Dfhzkch## goolkch MHV/Cocf MHV/Gfczyhl "6 000 MHV/Gfczyhl "6000 MHV/Cocf

Fcfyn{Fmmkgkfczzfbw Cocf Cozfj Cocf Cozfj Cocf Cozfj Cocf Cozfj

Nhyhxf#Ghypoyz 9 Ghy Nhyhxf 9 GhyNhyhxf

9 Ghy NhyhofWkbklhy Wkbklhy

9 Ghy NhyhhfPoygdH.hzkoHAfge Poygd Phzko Jfge Wkbklhy

Ekzgdfc Cf~fy Vpjhzfj WK Wvp/JfwkXcfy "96,000 Wllcmfykoy 96,000 Wkbklhy

Pool, Wph Co Pool Co Wph Co Pool Co Wph Co Pool, Co Wph Co Pool, Co Wph

Mkyfolhgfzw+ 8 Mkyfplhgf 9 Mkyfplhgfw

CfzHjkvwzbfczZ ozhm+ UA% U t A " 8 *"6,000 9 Mkyfplhgfw "6,000 8 Mkyfplhgf

74,;00 mtl% yl" Kw 87=400 Utl% Ul" K w 86:,400

HjavwzfjWhlfPcgf

omGobohyhilfw

CfzHja# "8#4&& KNyowwB# 89#6)//[o *

CfzHja# >#9& & K CfzHja# 4#9& & K9 888 800 NyowwHjk#98#6,!!, K * 9 078 400 NyowwHjk #89#:,,//[o* 9 0:; 400

WVIAFGZ GOB.HYHILFHLFCO#: GOB.HYHILFWHLFCO#6 GOB.HYHILFWHLFCO#=ZFB

JhzfomPcoyWhlf/myhcwmfy Co Whlf Kc O}fy Co pyf}kovw whlf kc 8% }yw Co pyf}kovw whlf kc 8% }yw Co pyf}kovw whlf kc 8% {yw

PcgfomPykoyWhlf/myhcwmfy 7 [fhyw C/H C/H C/H

c h z h Wovygf$w+ BLW/Pvilkg Yfgoyj BLW/Pvilkg Yfgoyj BLW/Pvilkg Yfgoyj BLW/Pvilkg Yfgoyj

Fmmfgzk}fJhz((omJh8l(Wovygf$w+ 06/86/900> 06/86/900> 06/86/900> 06/86/900>

Wvbbhy{omWhlfwG o yc ph cw o c H pp yo h gd Wviafgz kw gobphzkilf zo zdf cfkodioydooj kc zfybw om wkqf, gocjkzkoc ovhlkz}# hcj hppfhl# Plfhwf wff

hjjkzkochl gobfhyhilfw hcj zdf hjjfcjvb gobbfczw# Cozf zdhz wobf hjkvwzbfczw ftgffj pyfmfyyfj lf}flw jvf zo zdf ~kjf yhcnf om

pyopfyzkfw hcj lhge om wkbklhy gobphyhilfw kc zdf hyfh# Zdkw jofw coz fm mfgz zdf }fyhg kz { om zdf mkchl fwzkbhzfj bhyefz }hlvf#

Myfjj f Blg yfb >0Blygd s Mhcckf Bf Moyb lG0:Bb1d tc5

800:#_X6G§-=

Page 30: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 30/32

1+VBBHE[ Hz. z)EHK1+HL Ez 1z )VE K

Vckmoyb Yfwkjfczkhl Hppyhkwhl Yfpoyz M kl f C o # >0606BH

98# Zdf lfcjfy/glkfcz bh{ jkwglowf oy jkwzykivzf zdkw hppyhkwhl yfpoyz zo1 zdf ioyyo~fy5 hcozdfy lfcjfy hz zdf yfxvfwz om zdf ioyyo~fy5

zdf boyznhnff oy kzw wvggfwwoyw hcj hwwkncw5 boyznhnf kcwvyfyw5 no}fbbfcz wpocwoyfj fczfypykwfw5 ozdfy wfgocjhy{ bhyefz

phy zkgkphczw5 jh zh gol lfgzkoc oy yfpoy zkcn wfy} kgfw5 pyomfwwkochl hppyhkwh l oynhckqhz kocw5 hc{ jfphy zbfcz , hnfcg{, oy kcwzyvbfczhl kz{

om zdf Vckzfj Wzhzfw5 hcj hc{ wzhzf, zdf Jkwzykgz om Golvbikh, oy ozdfy avykwjkgz kocw5 ~kzdovz dh}kcn zo oizhkc zdf hppyhkwfy. w oy

wvpfy}kwoy{ hppyhkwfy.w $km hpplkghilf+ gocwfcz# Wvgd gocwfcz bvwz if oizhkcfj ifmoyf zdkw hppyhkwhl yfpoyz bh{ if jkwglowfj oy

jkwzykivzfj zo hc{ ozdfy phyz{ $kcglvjkcn, ivz coz lkbkzfj zo, zdf pvilkg zdyovnd hj}fyzkwkcn, pvilkg yflhzkocw, cf~w, whlfw, oy ozdfy

bfjkh+#

99# K hb h~hyf zdhz hc{ jkwglowvyf oy jkwzykivzkoc om zdkw hppyhkwhl yfpoyz i{ bf oy zdf lfcjfy/glkfcz bh{ if wviafgz zo gfyzhkc lh~w

hcj yfnvlhzkocw# Mvyzdfy, K hb hlwo wviafgz zo zdf pyo}kwkocw om zdf Vckmoyb Wzhcjhyjw om Pyomfwwkochl Hppyhkwhl Pyhgz kgf zdhz

pfyzhkc zo jkwglowvyf oy jkwz ykivzkoc i{ bf#

97# Zdf ioyyo~fy, hcozdfy lfcjfy hz zdf yfxvfwz om zdf ioyyo~fy, zdf boyznhnff oy kzw wvggfwwoyw hcj hwwkncw, boyznhnf kcwvyfyw,

no}fycbfcz wpocwoyfj fczfypykwfw, hcj ozdfy wfgocjhy{ bhyefz phyzkgkphczw bh{ yfl{ oc zdkw hppyhkwhl yfpoyz hw phyz om hc{

boyznhnf mkchcgf zyhcwhgzkoc zdhz kc}ol}fw hc{ocf oy boyf om zdfwf phyzkfw#

9:# Km zdkw hppyhkwhl yfpoyz ~hw z yhcwbkzzfj hw hc )flfgz yockg yfgoyj) goczhkckcn b{ )flfgzyockg wknchzvyf, ) hw zdowf zfybw hyf

jfmkcfj kc hpplkghilf mfjfyhl hcj/oy wzhzf lh~w $ftglvjkcn hvjko hcj }kjfo yfgoyjkcnw+, oy h mhgwkbklf zyhcwbkwwkoc om zdkw hppyhkwhl

yfpoyz goczhkckcn h gop{ oy yfpyfwfczhz koc om b{ wknchzvyf, zdf hppyhkwhl yfpoyz wdhll if hw fm mfgz k}f, fcmoygfhilf hcj }hlkj hw km h

phpfy }fyw koc om zdkw hppyhkwhl yfpoy z ~fyf jfl k}fyfj goczh kc kcn b{ oy knkch l dhcj ~yk zzfc w knch zvyf #

96# Hc{ kczfczkochl oy cfnlknfcz bkwyfpyfwfczhz koc$w+ goczhkcfj kc zdkw hppyhkwhl yfpoyz bh{ yfwvlz kc gk}kl lkhiklkz{ hcj/oy gykbkchl

pfchlzkfw kcglvjkcn, ivz coz lkbkzfj zo, mkcf oy kbpykwocbfcz oy iozd vcjfy zdf pyo}kwkocw om Zkzlf 84, Vckzfj Wzhzfw Gojf, Wfgz koc

8008, fz wfx#, oy wkbklhy wzhzf lh~w#

WVPFY]KWOY[ HPPYHKWFY.W GFYZKMKGHZKOC1 Zdf Wvpfy}kwoy{ Hppyhkwfy gfyz km kfw hcj hnyffw zdhz 1

8# K jkyfgzl{ wvpfy}kwfj zdf hppyhkwfy moy zdkw hppyhkwhl hwwkncbfcz, dh}f yfhj zdf hppyhkwhl yfpoyz, hcj hnyff ~kzd zdf hppyhkwfy. w

hch l{wkw , opkckocw, w zhzfbfczw, gocglvwkocw, hcj zdf hppyhkwfy .w gfy zk mk ghz koc#

9# K hggfpz mvll yfwpocwkiklkz{ moy zdf goczfczw om zdkw hppyhkwhl yfpoyz kcglvjkcn, ivz coz lkbkzfj zo, zdf hppyhkwfy.w hchl{wkw,

opkckocw, wzhzfbfczw, gocglvwkocw, hcj zdf hppyhkwfy .w gfyzk mkghzkoc#

7# Zdf hppyhkwfy kjfczkmkfj kc zdkw hppyhkwhl yfpoyz kw fkzdfy h wvi"goczyhgzoy oy hc fbplo{ff om zdf wvpfy}kwoy{ hppyhkwfy $oy zdf

hppyhkwhl mkyb+, kw xvhlkmkfj zo pfymoyb zdkw hppyhkwhl, hcj kw hggfpzhilf zo pfymoyb zdkw hppyhkwhl vcjfy zdf hpplkghilf wzhzf lh~#

:# Zdkw hppyhkwhl yfpoyz gobplkfw ~kzd zdf Vckmoyb Wzhcjhyjw om Pyomfwwkochl Hppyhkwhl Pyhgz kgf zdhz ~fyf hjopzfj hcj

pyobvlnhzfj i{ zdf Hppyhkwhl Wzhcjhyjw Iohyj om Zdf Hppyhkwhl Movcjhzkoc hcj zdhz ~fyf kc plhgf hz zdf zkbf zdkw hppyhkwhl

yfpoyz ~hw pyfphyfj#

6# Km zdkw hppyhkwhl yfpoyz ~hw zyhcwbkz zfj hw hc )flfgzyockg yfgoyj) goczhkckcn b{ )flfgzyockg wknchzvyf,) hw zdowf zfybw hyf

jfmkcfj kc hpplkghilf mfjfyhl hcj/oy wzhzf lh~w $ftglvjkcn hvjko hcj }kjfo yfgoyjkcnw+, oy h mhgwkbklf zyhcwbkwwkoc om zdkw hppyhkwhl

yfpoyz goczhkckcn h gop{ oy yfpyfwfczhzkoc om b{ wknchzvyf, zdf hppyhkwhl yfpoyz wdhll if hw fmmfgzk}f, fcmoygfhilf hcj }hlkj hw km h

phpfy }fywkoc o m zdkw hppyh kwhl yfpoy z ~fyf jf lk}fyfj goczhkckcn b{ oy knkch l dhcj ~yk zzfc w knchzvyf#

HPPYHKWFY WVPFY]KWOY[ HPPYHKWFY $OCL[ KM YFXVKYFJ+

Wknchzvyf s_# o##s Wknchzvyf

Chbf Ahbfu sifyz Chbf

Gobphc{ Ch\ kaf Fifyz H(8(8yh kwhl Wfy} kgf, Kcg# Gobphc{ Chbf

Gobphc{ Hjjyfww =74 Lkcjfyo G{c '78> Gobphc{ Hjjyfww

Ohe Phye, GH ;87>>

Zflfpdocf Cvbify 780#606#6;8= /K 484#;;8#;799 Zflfpdocf Cvbify

Fbhkl Hjjyfww ahbfw@fifyzh(8(8yhkwhlw#gob Fbhkl Hjjyfww

Jhzf o m W knchzvyf hcj Yfpoyz 06/84/900> Jhzf om Wknchzvyf

Fmmfgzk}f Jhzf om Hppyhkwhl Bh{ 8=, 900> Wzhzf Gfyzkmkghzkoc '

Wzhzf Gfyzkmkghzkoc ' HY 088444 oy Wzhzf Lkgfcwf '

oy Wzhzf Lkgfcwf ' Wzhzf

oy Ozdfy $jfwgykif+ Wzhzf ' Ftpkyhzkoc Jhzf om Gfyzkmkghzkoc oy Lkgfcwf

Wzhzf GH

Ftpk yh zkoc Jhzf om Gfyz km kghz koc oy L kgfcwf 80/07 /900>

HJJYFWW OM PYOPFYZ[ HPPYHKWFJ WVIAFGZ PYOPFYZ[

90:>6 YOGH GDKGH JY oJkj coz kcwpfgz wvi afgz pyopfyz{

BHLKIV, GH ;09=6 oJkj kcwpfgz ftzfy koy o m wviafgz pyopfy z{ m yob wzyff z

Jhzf om Kcwpfgzkoc

HPPYHKWFJ ]HLVF OM WVIAFGZ PYOPFYZ[ * 9,800,000 oJkj kcwpfgz kczfy ko y hcj ftzfykoy om wviafgz pyopfy z{

Jhzf om Kcwpfgzkoc

LFCJFY/GLKFCZ

Chbf GOBPHYHILF WHLFW

Gobphc{ Chbf ^fllw Mhbo Fnv((A8 Jkyfg z HQ HV'0>:9: o Jkj coz kcwpfgz ftzfykoy om gobphyhilf whlfw myob wzyffz

Gobphc{ Hjj yf ww 8 8= 08 C I lh ge Ghcso c Ds 9cj M lo o y oJkj kcwpfg z f t zf y ko y o m gobphyhi lf whl f w m yob w zyf f zPdofckt, HQ 4609; Jhzf om Kcwpfgzkoc

Fbhkl Hjjyfww bhykhjfycbf@nbhkl#gob

_ ######### y__ )) ####_ ###,#####) "_ #

s#" " # " " " " ## " " " # " # # # # " ## ""s))# # # # "

Page 31: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 31/32

YF1 Mhnhc }# Fifyz Hppykwh8 wfy}kgf Kcg fz, hl WGKKQ0::"

YF1 Mhnhc }# Fifyz mz#ppykwhl Wfy}kgf Kcg fz# hl WG8890:: Mykjh{, Bh{ =, 9088 #

Hw {ov eco~ nk}fc b{ bowz yfgfcz mkcjkcnw om mhgz hw pyfwfczfj zo OYFH# hc MHG ghc kcglvjf hjjkzkochl

ghvwfw om hgzkoc ~dkgd ifghvwf om zdf zkbf zdhz kz zooe moy bf zo Jkwgo}fy {ovy glkfcmw myhvj, ~ovlj

goczkcvf zo if }khilf#

JFBHCJ

Plfhwf hlwo gocwkjfy zdf mollo~kcn ~dfc hwwfwwkcn zdf }hlvf om b{ glhkb hnhkcwz {ovy glkfcz5

Wzhcjhyj om Ghyf

Kc Ghlkmoyckh zdfyf kw co wpfgkm kg szhzvzoy{ jfmkckzkoc om zdf wzhcjhyj om ghyf om h lkgfcwfj yfhl fwzhzf

hppyhkwfy# Yhzdfy, Ghlkmoyckh wzhzVzf pyo}kjfw zdhz )Nlf Vckmoyb Wzhcjhyjw om Pyomfwwkochl Hppyhkwhl

Pyhgzkgf gocwzkzvzf zdf bkckbvb wzhcjhyj om gocjvgz hcj pfymoybhcgf moy h lkgfcwff kc hc{ ~oye oy wfy}kgf

pfymoybfj zdhz kw hjjyfwwfj i{ zdowf wzhcjhyjw#) $Ghlkmoyckh Ivwkcfww hcj Pyomfwwkocw Gojf ®8878;#+

Jvz{Hppyhkwfyw o~f h jvz{ zo hgz ~kzd zdhz jfnyff om wekl) pyvjfcgf hcj jklknfcgf ~dkgd yfhl fwzhzf hppyhkwfyw

om oyjkchy{ wekll hcj ghphgkz{ gobbocl{ powwf ww hcj ft),1 f a wf kc zdf pfymoybhcgf o m zdf zhwew zdf{

vcjfyzhef# $Wbkzd }# Lf~kw $8;>6r 87 Ghl#7j 7:;,76= hcj Ivjj }# Cktfc $8;>8+ = Ghl#7j 8;6, 900#+ H

iyfhgd om zdhz wzhcjhyj om ghyf kc zdf pfymoybhcgf om hc hppyhkwfy.w jvz{ bh{ zdvw nk}f ykwf zo lkhiklkz{ moy

pyomfwwkochl cfnlknfcgf#

Cfnlknfcz Bkwyfpyfwfczhzkoc

Hc hppyhkwfy b h{ if lkhilf oc h zdfoy{ om cfnlknfcz bkwyfpyfwfczhzkoc zo zdkyj phyzkfw ~do avwzkmkhil{ yf:{oc

zdf hppyhkwhl yfpoyz kc h phyzkgvlhy zyhcwhgzkoc oy z{pf om zyhcwhgzkoc ~dkgd zdf hppyhkwfy kczfcjfj zokcmlvfcgf# $IV{ }# Hyzdvy [ovcn - Go# $8;;9+ 7 Ghl#:zd 7>0, 7>=5 Wojfyifyn }# BgEkccf{ $8;;=+ ::

Ghl#Hpp#:zd 8>=0, 8>=7#+

Kz cffj coz if wdo~c zdhz zdf hppyhkwfy, ~dfc dkyfj, ecf~ zdf chbfw oy Wpfgkmkg kjfczkzkfw om zdf zdkyj

ph yzk f w# L khi kl kz { bh{ if kbpowfj ~df yf zd f h pp yh kw fy )eco~w ~kzd wviwzhczkhl gfyzhkcz{ zdhz plhkczkmm , oy zdf

phyzkgvlhy glhww om pfywocw zo ~dkgd plhkczkmm iflocnw, ~kll yfl{ oc zdf yfpyfwfczhzkoc kc zdf govywf om zdf

zyhcwhgzkoc# J $Wojfyifyn }# BgEkccf{, wvpyh, :: Ghl#Hpp#:zd hz 8>=4, xvozkcn Ikl{ }#Hyzdvy [ovcn -Go#•

wvpyh, 7 Ghl#:zd hz :8: $fbpdhwkw hjjfj+#+

Coy kw kz fwwfczkhl zdhz zdf hppyhkwfy goczfbplhzfj zdf pyfgkwf jfzhklw om zdf zyhcwhgzkoc kc ~dkgd dkw oy dfy

Page 32: Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

8/6/2019 Ebert Appraisal Service Inc Office of the Real Estate Appraisers (OREA) Complaint for Appraisal Fraud

http://slidepdf.com/reader/full/ebert-appraisal-service-inc-office-of-the-real-estate-appraisers-orea-complaint 32/32