Estate Appraiser Real
Resume:
PABLO SOTO
Certified Residential Real Estate Appraiser RD6441
Florida 02/2007
PROFILE
Florida State Certified Real Estate
Appraiser (License#RD6441) that’s FHA
approved with over 20 years’
experience in the Southeast Florida
Real Estate Market. Appraising full-
time for the past 18 years in the
region. Assignments completed
include appraisals and appraisal
reviews of 2-4 family dwellings, condo
units, single-family dwellings, celebrity
waterfront luxury homes, historic
homes, acreage homes, rural
properties with outbuildings, and
unique properties in unique locations.
These assignments varied in their
intended uses. These included
origination, Fix and Flip, default
servicing, PMI / MIP Claims, GSE
buyback requests, title claims,
litigation use (divorces, bankruptcies,
probate, estates, tax appeal, and
foreclosure) as well as for use in asset
disposition on HUD and GSE owned
properties. Contract appraisal
reviewer for FNMA, Freddie, and
FHA/HUD. Given the nature of the
default sector repair estimates and
cost to build were also a part of
several assignments. An experienced
expert witness providing testimony in
both US Bankruptcy Court for the
Southern District and Family Court.
Possesses great analytical and
effective communication skills. Speaks
and writes both English and Spanish
fluently. Works well independently or
as part of a team in both virtual and
on-site environments. Widespread
understanding of appraisal-related
software, management portals, online
resources, and compliance
requirements. Pablo Soto has
completed well over 14,000
appraisals. Extensive field-specific
education is detailed in the
subsequent pages.
CONTACT
*********@**********************.***
https://www.linkedin.com/in/pablo-
soto-ba658016/
EDUCATION
Miami Dade College
1996 - 1997
Completed coursework towards BBA
ACE Academy
1992 - 1996
Graduated top 10% of the senior class. Senior Class President and administrative office intern assistant to Treasurer. GPA 3.8 Appraisal education is listed on additional pages attached WORK EXPERIENCE
Infinity Appraisal Group, LLC, Chief Appraiser
03/2007–Present
Develop and maintain quality control protocols and procedures to ensure compliance with client-specific, state, and federal requirements and regulations. Anticipate potential underwriting concerns prior to delivery of completed appraisal reports and appraisal reviews completed for lender clients. Conduct in-depth market analysis as it applies to the subject property for completion of appraisals and forensic appraisal reviews for litigation clients inclusive of expert witness testimony. Review appraisals internally on the high dollar, waterfront, unique, and other complex properties prior to client delivery. Complete forensic reviews on origination appraisals for major clients such as GSEs and mortgage insurers for mortgage buyback requests. Increased new business by 50% year over year from 2019-2021. Reduced revision requests down to 2% of completed reports. Developed training program for the utilization of the latest technology including contactless inspections utilizing phone apps as well as the development of hybrid or bifurcated appraisals training with special emphasis on when these products are appropriate and when they are not.
Special Magistrate Miami-Dade County Value Adjustment Board 10/2022–Present
Preside on cases brought forth by taxpayers who have filed petitions disputing the current market value of their properties. The Special Magistrate reviews the evidence presented to determine if the taxpayer has a case for a modification to the estimated market value calculated by the Miami-Dade County Property Appraiser’s Office. Aloft Appraisal, Inc Senior Field Appraiser
08/2022–01/2023
Conduct in-depth market analysis as it applies to the subject property for the completion of appraisals on vacant land, 2-4 Family dwellings, Condos, Single Family, Rent Schedules, Operating Income Statements, High dollar, Waterfront, new construction, and proposed construction. These appraisals were to be utilized in Origination, Fix and Flip, Litigation, and Listing purposes.
Guardian Solutions, Inc Senior Field Appraiser
01/2016–01/2021
Conduct in-depth market analysis as it applies to the subject property for completion of appraisals and forensic appraisal reviews for HECM and FHA or Conventional origination. These appraisals are part of the servicing and asset disposition process utilized by asset managers in HUD-owned properties. Develop accurate and reliable repair estimates for REO properties reported in REO addendums, FHA repair estimate forms, and custom forms as per clients’ requests. Rebuttal reconsiderations of value based on contractor repair bids which must be analyzed and reviewed for accuracy utilizing cost software and online resources. Complete appraisals with as-is and as-repaired values.
LRES Corp Senior Field Appraiser
06/2014–12/2015
Conduct in-depth market analysis as it applies to the subject property for completion of appraisals and forensic appraisal reviews for HECM and origination. These appraisals are part of the servicing and asset disposition process utilized by asset managers in HUD-owned properties. Develop accurate and reliable repair estimates for REO properties reported in REO addendums, FHA repair estimate forms, and custom forms as per clients’ requests. Rebuttal reconsiderations of value based on contractor repair bids which must be analyzed and reviewed for accuracy utilizing cost software and apps. Top 25 appraisers nationally. Top 25 appraisers nationally out of over 300.
Facendo & Associates Registered Trainee Appraiser / Certified Appraiser
2004–2007
Assist Certified Appraiser in inspections and preparation of various residential standardized GSE forms.
SKILLS
Bilingual (English and Spanish verbal and written)
Superb analytical skills
Efficient and effective communicator
Great work ethic
Excellent management skills & great problem solver
Innovative thinker and leader
Good working knowledge of appraisal software, report development, underwriting requirements, and appraisal methodology
Works great independently or as part of a group
Knowledgeable on several platforms such as MLS, Realist, IMAPP, Tax Assessors, and management platforms
CERTIFICATIONS
Florida Certified Residential Real Estate Appraiser RD6441 FHA Approved Appraiser
Special Magistrate Value Adjustment Board
Florida Department of Revenue
REFERENCES
Scott Pickell
Chief Residential Appraiser Flagstar Bank
*****.*******@********.***
John Morelli
Residential Review Appraiser, First Foundation Bank ********@**-***.***
Jessica Lovell
Southeastern Region Operations
*******.******@******.***
Vickie Walsh
Vendor Manager LRES CORP
******@********.***
Robert Alfaro
VAB Manager Clerk of Courts
******.******@*********.***
Scott Austin
Court Operations Officer 1
*****.******@*********.***
APPRAISAL EDUCATION
AB 1 Trainee Appraiser Course Gold Coast School of Real Estate
Mastering Real Estate Appraisals Gold Coast School of Real Estate
Florida Law Update 2007 Gold Coast School of Real Estate
USPAP Compliance 2007 Gold Coast School of Real Estate
The Cost Approach FREAB Course 0007978 Completed 10/2/2008
2008-2009 National USPAP Update Equivalent FREAB Course 0007332 Completed 10/2/2008
Florida Supervisor/Trainee Roles and Relationships FREAB Course 0008097 Completed 10/1/2008
The Dirty Dozen FREAB Course 0007742 Completed 10/1/2008
Appraising FHA Today FREAB Course 0007744 Completed 10/2/2008
Florida Appraisal Laws and Regulations FREAB Course 0007284 Completed 10/1/2008
Appraising FHA Single Family Sponsored by HUD Completed 8/19/2009
2010-2011 National USPAP Update Equivalent FREAB Course 0008701 Completed 11/20/2010
Florida Supervisor/Trainee Roles and Relationships
FREAB Course 0008097 Completed 11/21/2010
Mortgage Fraud– Protect Yourself FREAB Course 0008383 Completed 11/22/2010
Ad Valorem Tax Consultation FREAB Course 0008646 Completed 11/20/2010
Florida Appraisal Laws and Regulations FREAB Course 0007284 Completed 11/21/2010
Expert Witness Testimony FREAB Course 0008669 Completed 11/22/2010
Fifty Most Common Errors in FHA Appraisal Offered by HUD Completed 8/30/2012
Essential Elements of Disclosures and Disclaimers FREAB Course 0008877 Completed 11/17/2012
Florida Appraisal Laws and Regulations FREAB Course 0008943 Completed 11/17/2012
How to Analyze & Value Income Properties FREAB Course 0008685 Completed 11/18/2012
Appraising REO and Foreclosures FREAB Course 0008686 Completed 11/18/2012
Risky Business: Ways to Minimize Your Liability FREAB Course 0008942 Completed 11/17/2012
2012-2013 7-hour National USPAP Update Course FREAB Course 0008924 Completed 11/17/2012
Even Odder - More Oddball Appraisals FREAB Course 0008445 Completed 1/31/2013
Appraisal Applications of Regression Analysis FREAB Course 0008976 Completed 1/31/2013
Residential Appraisal Review FREAB Course 0008919 Completed 2/1/2013
Residential Report Writing: More Than Forms FREAB Course 0008917 Completed 2/1/2013
2014-2015 7-HOUR NATIONAL MCKISSOCK LP 11/16/2014 7.00 hrs.
FLORIDA APPRAISAL LAWS MCKISSOCK LP 11/15/2014 3.00 hrs.
LAWS AND RULES GOLD COAST PROFESSIONAL SCHOOLS INC 11/02/2016 3.00 hrs.
APPRAISAL REVIEW GOLD COAST PROFESSIONAL SCHOOLS INC 11/02/2016 6.00 hrs.
BETTER TO BE SAFE THAN SORRY GOLD COAST PROFESSIONAL SCHOOLS INC 11/02/2016 7.00 hrs.
2016-2017 7-HOUR USPAP GOLD COAST PROFESSIONAL SCHOOLS INC 11/01/2016 7.00 hrs.
PROPERTY AND VALUATION GOLD COAST PROFESSIONAL SCHOOLS INC 08/17/2016 7.00
Florida Appraisal Laws and Regulations 3 Hrs
FREAB Course 0008943 Completed 11/15/2018
Supervisor-Trainee Course for Florida 4 Hrs.
FREAB Course 0009247 Completed 11/15/2018
Fannie Mae Appraisal Guidelines: Debunking the Myths 4 Hrs FREAB Course 0009628 Completed 11/15/2018
Divorce and Estate Appraisals: Elements of Non-Lender Work 4 Hrs. FREAB Course 0009627 Completed 11/15/2018
Introduction to Expert Witness Testimony for Appraisers: To Do or Not to Do 4 Hrs. FREAB Course 0008943 Completed 11/16/2018
That's a Violation 4 Hrs.
FREAB Course 0009746 Completed 11/16/2018
2018-2019 7– Hour National USPAP Update Course
FREAB Course 0009773 Completed 11/16/2018
2020-2021 7-Hour National USPAP Update Course
FREAB Course 0010103 Completed 11/1/2020
Florida Appraisal Laws and Regulations
FREAB Course 00008943 Completed 11/1/2020
Supervisor-Trainee Course for Florida
FREAB Course 00009247 Completed 11/1/2020
The Fundamentals of Appraising Luxury Homes
FREAB Course 00100004 Completed 11/2/2020
New Construction Essentials: Luxury Homes
FREAB Course 00100002 Completed 11/2/2020
Residential Construction and the Appraiser 06/21/2022
Florida Appraisal Laws and Regulations 06/20/2022
2022-2023 7-hour National USPAP Update Course 06/22/2022
Supervisor-Trainee Course for Florida 06/20/2022
Best Practices for Completing Bifurcated and Hybrid Appraisals 06/21/2022
Green Building Concepts for Appraisers 06/21/2022
Market Disturbances-Appraisals in Atypical Markets and Cycles 06/21/2022
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