​Welcome to

George Yager's
Business Learning Center
Real Estate Appraisal School
Appraisal classes designed to increase your earning power
​​ Mail: PO Box 1301 Laurence Harbor NJ 08879
Phone:  732-583-9110     Fax: 732-784-6493
georgeyager@optonline.net

LINKS TO BE PROVIDED - COME BACK SOON

APPRAISAL ORGANIZATIONS

Appraisal Foundation  

    APB Valuation Advisories

Appraisal Subcommittee of the Federal Financial Institutions Examination Council - ASC, 

Association of Appraiser Regulatory Officials 

American Guild of Appraisers, Guild 44, AFL-CIO

American Society of Appraisers  

Appraisal Institute 

International Association of Assessing Officers

National Association of Independent Fee Appraisers (NAIFA)

APPRAISAL SOFTWARE

Links to residential software vendors (MS Word document). Most offer demos of functioning software for download or on CD.

AUTOMATED VALUATION MODELS

Homegain

Streeteasy

Trulia

Zillow

COST SERVICES

Bluebook Subscription Service

Building-Cost.net  Free! From Craftsman Tools, subsidiary of Sears Roebuck. "In about 5 minutes you can develop a home construction or replacement cost that considers all the important variables: materials used, design features, quality, size, shape, heating, cooling and geographic area. Your printed estimate shows detailed labor and material costs for each of 34 construction cost categories. 

Buildingjournal.com  Free! Cost estimating software. "Online construction estimating. Quickly estimate the cost of residential and commercial projects in over 160 US. Cities"

Marshall & Swift  Subscription Service or per estimate.

Cost Helper: Free! Search over 1,000 topics including Home & Garden, e.g., Vinyl Siding, Kitchen Remodeling, Deck, New Roof, Swimming Pool, Tile Flooring, Kitchen Cabinets, Vinyl Flooring [more...

Remodeling Magazine Free! This site compares the average cost for 35 popular remodeling projects with the value those projects retain at resale.

Remodeling Magazine Cost/Value Report Free 

N.A.D.A. National Automobile Dealers Association. Manufactured Housing Cost Guide Subscription Service
RSMeans  Subscription Service

U.S. - NATIONAL

American FactFinder U.S. census Bureau population, housing, economic, and geographic data

eFannieMae  Federal National Mortgage secondary mortgage market lender. Appraiser link here.

FEMA Go to the FEMA Flood Map Store for free flood maps. You do not need a user name and password to use Map Search access. 

FHFA Federal Housing Finance Agency the regulator and conservator of Fannie Mae and Freddie Mac and the regulator of the 12 Federal Home Loan Banks. Click here for City/MSA HPI Data. 

Fivealerts.com/ Free alerts to HUD, FannieMae, FreddieMac, VA, Treasury publications.

Freddie Mac  secondary mortgage market lender

Demographics

HUD/FHA   Department of Housing and Urban Development, Mortgage Insurer.

HUD/FHA Appraisers Page

HUD Mortgagee Letters 

FDIC    Federal Deposit Insurance Corporation, Banking regulator

NCUA    National Credit Union Administration

OCC    Office of the Comptroller of the Currency

OTS    Office of Thrift Supervision

VA Veterans Administration

        Loan Guaranty Home Loan Program

        Appraisal Fees by state

 

UAD SECTION

FANNIEMAE UNIFORM APPRAISAL DATASET RESOURCES

Uniform Mortgage Data Program

Uniform Mortgage Data Program (UMDP)

UMDP Yardstick

Uniform Appraisal Dataset For Appraisers

FannieMae UAD Page

UAD Interactive Reference Manual

URAR Slides and Notes

Condition Ratings and Definitions

Quality Ratings and Definitions

Selling Guide

FREDDIEMAC UNIFORM APPRAISAL DATASET RESOURCES

Uniform Mortgage Data Program

FreddieMac Uniform Mortgage Data Programs Q&A Click on UAD tab.

Uniform Appraisal Dataset For Appraisers

FreddieMac UAD Page

Appendix D Field Specific Standardization Requirements

HUD/FHA

 Mortgage Letter 2011-30  Subject: The Uniform Appraisal Dataset (UAD) and appraisal reporting forms

NEW JERSEY - STATE

Real Estate Appraiser Board 

    Pearson Vue Testing service

Licensee Directories Online Including Real Estate Appraiser Directory

Appraiser Change of Address Online

DCA Dept of Community Affairs Affordable housing. Scroll down to: Determining Affordable Rents and Sales Prices/Re-Sale Calculator

DEP Dept of Environmental Protection Known Contaminated Site List

Dept of Labor and State Data Center 

Dept of Transportation Geographic Information Systems (GIS)

Division of Taxation - Local Property Branch

   Tax Assessor Hours by County 

    Field Assistance and Appraisal

    References: Handbook for Assessors, Assessor's Manuals, Cost Conversion Factors.

    Statistical data

    Grantor's Listings SR1A

    Farmland values

    Tax Rates

    County/Municipal Codes

    Guidelines for Use of 33 Non-useable Sales Transactions

     Rutgers--the State University Center for Government Services

    Assessment Administration

  NJ Association of Municipal Assessors of New Jersey

     Resources Includes links to various helpful data resources.

  New Jersey Planning Officials (NJPO) non-profit, tax-exempt organization serving land-use boards and professionals in New Jersey.

  OPRA Open Public records Act

  Traffic Counts

NEW JERSEY - COUNTY

NJ County Association of County Tax Boards

Ocean County Board of Taxation

Monmouth County Board of Taxation

NEW JERSEY - MUNICIPAL

Alphabetical Links to Municipalities These links may or may not be "official" pages.

State League of Municipalities  Voluntary association; more than 560 municipality members. 

Links to Municipal Web Sites

Municipal Ordinances including Zoning Ordinances

General Code E-Codes  Free

Coded Systems LLC Free. Go to Code Library, NJ

Municode Free. Go to Municode Library, NJ

http://www.ordinance.com/ Fee. One time fee 24 hour use or annual subscription

Master Plans

Rutgers University Libraries Master Plans

PROPERTY DATA SOURCES

Tax Records

NJTaxRecords.com NJ Municipal property tax records (subscription required).

TaxRecords.com NJ Municipal property tax records (free access).

VitalGov.Net NJ Municipal property tax records (subscription required).

Daily Record Data Universe NJ Municipal property tax records and other data (free access). 

Tax Maps

NJ Parcel Map (subscription required)

NJTaxMaps (subscription required)

Flood Maps

Digital Media Services (floodmaps.com subscription required)

LIABILITY/ERRORS & OMISSIONS

Readi Real Estate Advisors Defense Fund Free membership. Offers information on appraiser liability issues, such as the following.

Article: How to make Your Appraisal Statements and Limiting Conditions Effective in Reducing Your Potential Liability Exposure

E&O Providers 

Liability Insurance Administrators 

Mortgage/Valuation Posts, Blogs, Etc

Appraisal Scoop Providing real estate professionals with an online destination for appraisal news, knowledge, technology solutions and entertainment.

HousingWire Financial News for the Mortgage Market

 MISCELLANEOUS DATA SOURCES

Demographics

FreeDemographics.com

geolytics.com

Foreclosures

FannieMae http://www.homepath.com/

FreddieMac http://www.homesteps.com/hm01_1featuresearch.htm

HUD/FHA http://hudhomestore.com/HudHome/Index.aspx

VA http://hudhomestore.com/HudHome/Index.aspx

Green Buildings

http://www.njcrea.com/news/green NJ  Commercial Real Estate Alliance Green News

Housing

HousingMatrix Free registration for various economic reports and hot sheets pertinent to economy and housing.  

Hanley Wood Market Intelligence Free housing market economic news and analysis

Maps

Bing MS

Google Earth

Zip Code Database, Maps, and Boundary data

Residential Sales Trends 

Federal Housing Finance Agency http://fhfa.gov/default.aspx?page=66 (This page links to the sources below, as well as other data compilation sources.)

Home prices for the U.S.
FHFA HPI Quarterly House Price Indexes for the U.S., Census Divisions, States, and Metropolitan Areas
S&P/Case-Shiller Link to S&P/Case-Shiller portal
Monthly (three-month rolling average) repeat-transactions house price indexes for twenty metropolitan areas, two “composite” indexes, and a quarterly home price index for the United States:

Note: For discussion of how these indexes differ from the FHFA HPI, see FAQs to FHFA’s HPI and release of June 22, 2007 - "A Note on the Differences between the OFHEO and S&P/Case-Shiller House Price Indexes"

National Association of Realtors http://www.realtor.org/research/research/ehsdata
Monthly mean and median prices for existing homes for the U.S. and four regions:
Monthly mean and median prices for U.S. (single-family and co-op prices distinguished):
/hpi/research/production/repeats/
Quarterly median prices by metropolitan area for existing single-family homes:
/hpi/research/production/repeats/
Quarterly median prices by metropolitan area for condos and co-ops:
/hpi/research/production/repeats/
Freddie Mac
Quarterly repeat-transactions house price index for existing homes:
http://www.freddiemac.com/finance/cmhpi/

Note: Unlike FHFA’s HPI, Freddie Mac’s index applies an approximation factor that makes it mimic a value-weighted measure of home appreciation. The FHFA HPI is not adjusted in this way; more expensive homes generally have no greater influence on the index than lower-priced homes.

FNC http://www.fncrpi.com/

The FNC residential price index is the industry's first Hedonic price index for residential properties. Tables are available for New York, NY and Boston MA http://www.fncrpi.com/tables.aspx

NJ Division of Taxation

http://www.state.nj.us/treasury/taxation/lpt/class2avgsales.shtml

Six Functions of $1 and Financial Calculator

Six Functions of $1 Tables Download pdf for 1% to 25% in ½% increments, 113 Pages. Source: California State Board of Equalization.  http://www.boe.ca.gov/   Use BOE Search engine to search for ah505. http://www.boe.ca.gov/proptaxes/pdf/ah505.pdf

On-line calculator: New Hampshire Association of Assessing Officials http://www.nhaao.org/math_dollar.htm 

Appraisal Institute, Education, Formulas, Symbols, Math Review, and Sample Problems, Financial Calculator Practice Exercises http://www.appraisalinstitute.org/resources/downloads_all.asp

Statistics

http://www.surveysystem.com/sample-size-formula.htm Sample Size Calculator

http://www.raosoft.com/samplesize.html Sample Size Calculator

Other Stuff

RealInfoSmall House Society Ever had to appraise a 100 Sf house?

Computer Stuff

Speed Test Computer Online Connection