Real Estate Appraisers are federally regulated and state certified or licensed.

In addition they may be designated by trade organizations who develop reputations for education, proficiency, and experience levels beyond the federal and state requirements.

There are strict standards of conduct and ethics that an appraiser must adhere to whenever producing an appraisal.

Appraisals are prepared for:

• Mortgages
• Estates
• Partnerships
• Prospective purchase or sale
• Business Planning
• Tax Accounting
• Consulting Assignments
• Divorce

We also provide Appraisal Reviews and Collateral Reviews to:

• Check for errors (text, calculations, and compliance with federal and state regulations)
• Determine the Quality and Reliability of an Appraisal previously prepared
• Determine whether the market has changed significantly since the date of the last appraisal, (Should a new appraisal be ordered to update book values of properties.)

We perform Property and or Building Inspections:

• To determine the condition and ongoing maintenance of collateral.
• To familiarize an owner with property they might own or want to acquire out of their area.

An appraisal by definition according to The Appraisal Foundation, Uniform Standards of Professional Appraisal Practice, is the act or process of estimating value.

The appraisal process requires the appraiser to gather and analyze information about:

• The property to be appraised (known as the subject property)

• The neighborhood, locality and region

• Local tax, zoning and building codes, regulations and practices

• The real estate market in which it is located

• Supply and demand for that property type

• The financial market in which the subject is located

• Any data relevant to the subject

Depending upon the client's needs, together they can decide if a complete appraisal is necessary or if a less intensive or limited appraisal will fulfill the purpose.

The appraiser analyzes data, draws conclusions, supports those conclusions, and then presents the results in an appraisal report. There are three types of reports, self-contained, summary and restricted.

• Self contained reports supply all the information utilized to prepare the appraisal and allows the user to follow the entire process and draw his own conclusion on whether or not he/she concurs with those in the appraisal.

• The summary allows the user to follow the logic of the process but is less intensive.

• A restricted report is only utilized in special situations whereby the user would be familiar with the property, the market, and the appraisal process and would be able to determine the validity of the appraisal without accompanying detail.

Appraisal fees are determined by the amount and availability of data needed to prepare the appraisal, the complexity of the property, the intensity of the analysis needed to prepare a reliable estimate, the type of report and the time frame estimated for completion.

Review Fees are usually set by area and property type, and whether or not an inspection of subject and comparables in the field is deemed necessary.

Building inspection fees are usually a set amount for the type of property and geographical area.

Contact the appraiser to discuss the property you wish to have appraised. The appraiser then checks on the property type and available data and gets back to you with a fee quote. An assignment letter is prepared and with your signature and a 50% deposit, the appraisal process begins. When the appraisal is completed, you are contacted once again and the remainder of the fee is due prior to delivery of the report.

Education

Bachelor of Arts and Sciences degree in Business Administration, Long Island University at Southampton.

Real Estate I and Real Estate II, Suffolk Community College, Selden

Society of Real Estate Appraisers courses 101, 201 and 202

Appraisal Institute courses 1A1, 1A2, 1BA, 1BB, 410, 420 & 430 (Standards of Professional Practice) and Report Writing.

Seminars- Appraising Proposed Projects, FIRREA Regulations, Residential Inspections, Limited Appraisals, Expert Testimony, Residential Review, Tax and Assessment Review, HUD, Fair Lending, and Cost Estimating.

Ms. Ewald teaches New York State Approved Real Estate Appraisal Courses at Realty Institute in Flushing, New York. (www.realtyinstitute.net)

Employment

Janine Campeau Ewald is an independent fee appraiser. She has been engaged in the appraisal of real estate since 1985, working as a residential fee appraiser, commercial fee appraiser, commercial staff appraiser in a lending institution and commercial review appraiser. Employment and or Fee Services were performed for: Kenneth E. Richards Appraisers, Inc., Greater New York Savings Bank, Rogers and Taylor Apprasiers, Inc. Ferguson Appraisers, Inc. , Michael Haberman Associates, Inc., Washington Mutual Bank, as well as Allied Services Appraisal Professionals.

She has also worked on a per diem basis as a review appraiser on the reassessment of Nassau County through Michael Haberman Associates, Inc. and as a fee appraiser on condemnation appraisals for the Town of East Hampton.

Experience

Residential, commercial, institutional and special purpose properties. These include residential appraisals, land appraisals, proposed and existing properties such as office buildings, retail buildings, shopping centers, apartment buildings, industrial buildings and condominium, and cooperative buildings. Besides these more common properties she has also appraised restaurants, marinas, motels, schools, gas stations, and special care facilities. She has appraised tracts of land in all stages of development, from raw acreage (commercial and residential) to incomplete subdivisions (homes interspersed with vacant building lots).

These appraisals were concentrated in Nassau County and Suffolk County and were also located in Queens, Brooklyn, and Manhattan. Most recently she has concentrated her efforts on apartment buildings in Brooklyn and before that high end residences in the eastern Suffolk County Townships. The majority of the reports were completed for mortgage purposes or bank portfolio reviews. Reports were also completed for estate, tax grievance, pending sales, zoning disputes, and condemnation purposes.

Professional Affiliations

The Appraisal Institute, candidate for the MAI designation.

Committee Membership

The Appraisal Institute Long Island Chapter:

• 1996 Reception Committee Chairperson
• 1998 Newsletter Editor
• 1999 Newsletter Editor
• 2000 Newsletter Editor
• 2001 Newsletter Editor
• 2002 Publications Committee
• 2003 Publications Committee
• 2004 Publications Committee
• 2005 Publications Committee
• 2006 Publications Committee
• 2007 Publications Committee