Mr. Calvin Johnson, Chief Appraiser and President of Home Pro, Inc., is a Certified General Real Estate Appraiser with 27 years of appraisal and mortgage lending experience. Cal is a Magna Cum Laude graduate of American Intercontinental University's, renown, School of Business where he earned a Bachelor's degree in Business Administration.

Mr. Johnson's appraisal career began in February 1972 when he accepted a position in the credit/collection department at Wayne Bank in Wayne, Michigan. One of his duties was site and improvements evaluations for prospective mortgages. During his tenure he was also active in branch management. Cal gained valuable experience in profit and loss analysis, evaluation and rating of cash flows, income streams, credit approvals, and closings. The time spent in banking proved invaluable in later years when the examination of operating statements and determination of equity position, as it relates to debt service, became a large part of his daily appraisal activities. The banking experience has served him well in the appraisal industry.

In the years 1980-83 Cal was on staff at Gedrich Management in Southfield, Michigan. In his position of Senior Staff Appraiser he worked on several major projects . The properties appraised during his tenure at Gedrich included residential properties, restaurants, grocery stores, abandoned bank buildings, drive-in restaurants, industrial plants, strip shopping centers, office and apartment buildings, medical clinics, and many other income producing properties.

Since December 4, 1981 Mr. Johnson has been a member of the Michigan Department of Transportation's appraisal panel. His assignments, for condemnation purposes, have included commercial, industrial, residential, agricultural, partial interests, and easements. He has been qualified as an expert witness in Wayne and Oakland County circuit court and testified for the Department of Transportation and private property owners.

Cal has served on the Department of Veterans Affairs and Federal Housing Administration appraiser rosters since 1980 and 1995 respectively.

Mr. Johnson was Chief Appraiser at Johnson-Rowe and Vaughn real estate company in Romulus, Michigan from 1981-89, when it was incorporated as Home Pro, Inc. He has served as Home Pro's Chief Appraiser and President since 1989.

PROFESSIONAL TRAINING:
Analysis of the Single Family Residence, Course VIII, Appraisal Institute- Indiana University, 1979
Real Estate Appraisal Principles, Appraisal Institute- Oakland County Community College, 1981
Real Estate Appraisal Methods, Appraisal Institute-Oakland Community College, 1981
Uniform Standards of Professional Appraisal Practice , Appraisal Institute-Michigan State University, 1991
Real Estate Law, Middleton Real Estate Training School , 1994
Problem Solving in Residential Appraising, American Real Estate & Appraising Institute, 1998
Proper Report Writing Procedure, American Real Estate & Appraising Institute 1998
Principles of Capitalization, American Real Estate & Appraising Institute, 1994

Licenses: Certified General Appraiser, State of Michigan #1201001539; Real estate Broker, State of Michigan #6502108136

AFFILIATIONS:
Member, International Right of Way Association (IRWA) Chapter 7, 2000-2009
Member, Michigan Association of Realtors, 1979-Present
Member, Detroit Board of Realtors, 1995-Present
Member, Down River Association of Realtors, 1990-2006
Member, National Association of Realtors, 1979-Present

BANKS AND MORTGAGE COMPANIES SERVED HAVE INCLUDED:
Ann Arbor Mortgage, Mayflower Mortgage, Mortgage Associates, Lomas & Nettleton, Graham Mortgage, Manufacturers National Bank, Comerica, Liberty Mortgage, Fireman's Fund, Advance Mortgage, Crown Mortgage, U.S. Mutual, Standard Federal Savings, Hammond Hoffman Mortgage, DMR Financial Services, Independence One, Gehrke Mortgage, National Bank of Detroit, Michigan National Bank.

GOVERNMENTAL AGENCIES:
Federal National Mortgage Association, Small Business Administration, Federal Housing Administration, Department of Housing and Urban Development, Wayne County Drain Commissioners, U.S. Veterans Administration, Family and Neighborhood Services of Wayne County, Michigan Department of Transportation, Capital Area Transportation Authority.

CORPORATE CLIENTS;
General Motors, Merrill Lynch, Commonwealth Engineering & Land Acquisition, Executive Relocation, Equitable Life Assurance Society, Michigan Mutual Insurance Company, United Auto Workers Legal Defense Fund, City of Pontiac, Michigan, Automobile Club of Michigan, Clark Oil, Sun Oil, City of Romulus, Michigan.

COMPENSATION;
We are engaged on a fee basis. Clients compensate us by retainer, or by agreed upon fee, or both. Fees are based upon such factors as the urgency of the assignment, the degree of professional skill required, time expended, and personnel employed.