Stephen M. Keohane               Telephone: (781) 932-8122

 U. S. Navy (Retired)                           Fax:              (781) 240-7999

Owner,                                                                  

Home Probe, Real Estate Appraisals             Email:          

Sponsor of:   AppraiserCentral.com        homeprobe@comcast.net

Address:            Woburn, MA 01801

 _______________________________________________________________________

·    Licenses/Affiliations:

                        MA State Licensed Real Estate Appraiser #2651

                             (over 16 years full time residential appraiser)

                     Member, Greater Boston Real Estate Board

                     Member, Greater Salem Association of Realtors (past member)

                     Member, Mass Board of Real Estate Appraisers (MBREA)

                     Lifetime Member, Disabled American Veterans (D.A.V.)

            Past National Association of Home Inspectors (NAHI), 1994-1999

                     On approved DEP list to do Title V septic inspections in Mass

·        Background:  1969-1990, U.S. Navy (Retired).  Job in Navy was a naval intelligence analyst (analyzing soviet ship movements).  1980 - Naval Intelligence instructor.  Throughout much of my naval career was a part time realtor in Virginia.

1991 - present....Work full time as a real estate appraiser. Have worked part time as a home inspector from 1994-1999.  Have done appraisal work for people desiring to get rid of PMI. Some banks I’ve done appraisal work for are: Citibank, Beneficial, Countrywide, Fleet Bank, Chase Manhattan, Wells Fargo, Allied Mortgage Capital, Putnam Mortgage Corp, Eastern Bank, Homebound Mortgage, BLS Funding, Washington Mutual, Citifinancial Services, Novastar Mortgage, Great Southwest Mortgage, Leader Mortgage, Heartland Home Finance in Ohio, IndyMac Bank, Dana Capital, Mortgage World Corp. in Watertown, Patriot Funding in Framingham, Mortgage Master in Norwood, HomeQuest Mortgage in North Grafton, GreenPointe Mortgage, and numerous other lenders around the country.  Appraisal assignments have been to find value in the range, from $50,000 in Lynn to $2,100,000 in Beverly (waterfront). Have also done appraisal work for lawyers, F.D.I.C., and both the Woburn and Cambridge (Mass.) Housing Authority.

·        Appraisal Education:

                                    American Real Estate Academy, Waltham, MA (1992)

                             -initial 75 hours primary (3 courses) required for licensing

                             Took and passed the real estate appraisal licensing exam.

                               (1993)

                             JMB Real Estate Academy, Lowell, MA

                             - Appraising 1-4 family properties, 30 primary hrs (1994)

                             - Appraising income properties (yield, capitalization, etc),

                               30 primary hrs (1996)

                             -  Appraising in a Foreclosure Market (2008)

__________________________________________________________________

·   Other:                   -Century 21 Real Estate Academy, Virginia Beach, Virginia (1983)

                             -Bremis Real Estate School, Somerville, MA (1993)

                             -Home Inspection Course, South Carolina (1994)

                             -DEP Title V Septic Inspector Course, Stow, MA (1995)

                             -Various military (security, intelligence and administration)

                               1970-1990  

                             - High School, Arlington, MA (graduated 1969)