Name: Margaret R. Heeney, SRA

Business Address: The Appraisal Shoppe, Inc.
P.O. Box 1538
Virginia Beach, VA 23455

Home Address: Virginia Beach, VA 23455

Business Phone: 757-434-0088

Email:  maggie@vavalue.net
Website: www.theappraisalshoppe.net

Employment History:

11/85 - Present
Appraisal Practice - Actively engaged full time in the Appraisal of Real Estate in the Tidewater Region of Virginia including  the Cities of Norfolk, Portsmouth, Chesapeake and Virginia Beach; And in Charles, St. Mary’s and Calvert Counties of Maryland.  Including: Single Family Residential, Commercial,  2 - 4 Family Dwellings, Condominiums and Vacant Land.

5/83 - Present 
Real Estate Practice - Broker in the State of Maryland
Actively engaged full time in the Listing, Selling and Property Management of Real Estate.


9/79 - 4/83
Income Tax Consultant - Prepared Income Tax forms for Individual, Partnership and Corporate Returns.

Appraisal Clients (Partial List:)

Bank of America, Richmond, Virginia

Cedar Point Federal Credit Union, Lexington Park, Maryland

Chase Manhattan Mortgage Corp., Tampa, Florida

Colonial Farm Credit, Hughesville, Maryland

County First Bank, Waldorf, Maryland

Educational Systems Federal Credit Union, Fairfax, VA

Fannie Mae, Dallas, Texas

Gateway Bank Mortgage, Inc., Raleigh, NC

Home Federal Savings Bank, Norfolk, Virginia

Old Line Bank, Lexington Park, Maryland

Navy Federal Credit Union, Merrifield, Virginia

PHH Home Equity, Bethesda, Maryland

PNC Bank, Pittsburgh, Pennsylvania

Prudential Relocation, Scotsdale, AZ

Suntrust Bank, Waldorf, Maryland

Treasury Department Federal Credit Union, Pinebrook, New Jersey

Union Bank and Trust, Virginia Beach, VA

U.S. Department of Housing and Urban Development, Philadelphia, PA

Veterans Administration, Roanoke VA

Wells Fargo Bank, Charlotte, NC


SRA Member of the Appraisal Institute #R863375

Maryland Board of Realtors

National Association of Real Estate Boards

Maryland Association of Real Estate Boards

Education 10/94
Appraisal Institute Course 510; 44 Continuing Education Hours Earned
Advanced Income Capitalization
Appraisal Institute Course 810; 15 Continuing Education Hours Earned
·Computer Enhanced Cash Flow Modeling
Appraisal Institute Sponsored Program; 15 Continuing Education Hours Earned
·Partial Interest Valuation – Undivided & Divided
Appraisal Institute Course 746; 16 Continuing Education Hours Earned
·Uniform Appraisal Standards for Federal Land Acquisitions/Yellow Book
01/10   Appraisal Institute Seminar; 7 Continuing Education Hours earned
·Appraisal Review - General
05/10   Appraisal Institute Course 400INF400G, 30 Continuing Education Hours Earned
·General Appraiser Market Analysis and Highest & Best Use
03/13   Appraisal Institute Course 405G; 30 Continuing Education Hours Earned
·General Appraiser Report Writing and Case Studies
06/13 Appraisal Institute Course 401G; 30 Continuing Education Hours Earned
·General Appraiser Sales Comparison Approach 
09/13 Appraisal Institute Course 403G; 40 Continuing Education Hours Earned
·General Appraiser Income Approach/Part I
11/13 Appraisal Institute Course 420; 7 Continuing Education Hours Earned
·Business Practices and Ethics
08/14 Appraisal Institute Sponsored Course; 20 Continuing Education Hours Earned
·Comprehensive Appraisal Workshop
01/16 Appraisal Standards Board; 7 Continuing Education Hours Earned
·USPAP:  2016-2017


MD State Certified General Appraiser # 40000994
Expiration: 09/25/2017

MD State Real Estate Broker # 69333

Expiration:  01/30/2017
VA State Certified General Appraiser # 4001017142
Expiration: 01/31/2017

Professional References:                                           

Michele Torres, Member Service Representative

Cedar Point Federal Credit Union       

22745 Maple Road

Lexington Park, MD 20653


Christina Searing, Valuation Officer

Department of Veterans Affairs

210 Franklin Road

Roanoke, VA  24011      



Jeffrey Spalding, Chief Risk Officer

Old Line Bank

P.O. Box 340

Lexington Park, MD  20653



Ellen Trimarchi, Mortgage Loan Processor

Monarch Mortgage

300 32nd St., S. 200

Virginia Beach, VA 23455