Robert Hower
Robert D. Hower
24052 Route 35 North
Mifflintown, PA 17059
(717) 436-8200
State Certified Residential Appraiser, #RL003303L, Commonwealth of Pennsylvania
Broker (Sole Proprietor), #RB061685L, Commonwealth of Pennsylvania
Real Estate/Appraisal Employment History
Self Employed
Real Estate Agent 1990-1991
Leidy Real Estate
Port Royal, PA 17082
Owner/Assistant to Appraiser 1991-1992
Century 21 G&B Associates
Port Royal, PA 17082
Owner/Assistant to Appraiser 1992-1995
ERA Bashore Real Estate, Inc.
Mifflintown, PA 17059
Realtor/Assistant to Appraiser 1995-1997
Jack Gaughen Realtor
New Bloomfield, PA 17068
Realtor/Assistant to Appraiser 1997 July – October
Jack Gaughen Network Services
Hower & Associates
Mifflintown, PA 17059
Owner/Broker/Assistant to Appraiser 1997 to 1999
Jack Gaughen Network Services
Hower & Associates
Mifflintown, PA 17059
Owner/Broker/Residential Appraiser 1999 to Present
Education
Successfully completed these courses sponsored by the following Real Estate Organizations
Real Estate Related (Brokerage)
Pennsylvania Realtors Institute
GRI III - 1995
GRI II - 1995
GRI I – 1992
Penn State University
Real Estate Practice-RE 5017 - 1996
Real Estate Fundamentals-RE 5016 – 1990
Education Division of Don Paul Shearer, Inc.
Professional Liability & Avoiding Pitfalls -2003
Elective Continuing Education Course V, CR002520 – 2001
Polley Associates
Residential Construction – 1991
Allied School of Real Estate
Real Estate Law – 1997
Scott-White Real Estate Institute
Achievers Buyer Brokerage Program – 1995
Continuing Education
CR 002796 - 2002
CR 002473-M -2002
CR-002520 (Elective) - 2001
Required CE Course - 1998
Required CE Course - 1996
MCE Course (Elective) - 1993
MCE Course (Required) – 1993
Appraisal Related
- Education Division of Don Paul Shearer, Inc.
- Required (National) 7-hour USPAP Update Course – 2013
- Avoiding Standards & Disciplinary Actions & Pitfalls, Standards
- Compliance, & 2-hour State Appraiser Updates – 2013
- Market and Highest and Best Use Analysis –2013
- Land and Site Analysis and Valuation -- 2013
- Required (National) 7-hour USPAP Update Course – 2011
- Avoiding Standards & Disciplinary Actions & Pitfalls, Standards
- Compliance, & 2-hour State Appraiser Updates – 2011
- Preparation of Appraisal Reports & Communicating the Appraisal – 2011
- Sales Comparison Approach (The Adjustment Process and
- Qualitative Analysis - 2011
- Avoiding Standards & Disciplinary Actions & Pitfalls, Standards
- Compliance, & 2 hour State Appraiser Updates – 2009
- Common Sense in the Appraisal Process (including Scope of Work,
- Professional Liability, & Credibility Issues) – 2009
- USPAP 7 – Hour Required Course – 2009
- Preparation, Readdressing, & Updates of Appraisal Report &
- Scope of Work in the Appraisal Process – 2009
- Application and Restrictions of Cost Approach,
- Land & Site Valuation & Estimating Depreciation – 2007
- Avoiding USPAP Violations & State Disciplinary Actions
- (2) hours of State Appraiser Law Review – 2007
- USPAP 7 –Hour Required Course – 2007
- Appraisal Review and the Process of Reviewing Appraisal
- And Being Reviewed – 2007
- Writing the New 2005 URAR Appraisal Form Report - 2005
- USPAP 7 – Hour Required Course - 2005
- Appraisal Reports & Scope of Work - 2005
- USPAP & State Appraiser Law - 2005
- Common Sense in the Appraisal Process - 2005
- Land Valuation & Development – 2003
- Broker-Appraisers & CPE - 2003
- USPAP Compliance - 2003
- USPAP & State Appraiser Law – 2003
- Avoiding Pitfalls & Liability Exposure and Professional Liability - 2003
- USPAP and State Appraiser Law, CR-002418-E - 2001
- Tax Assessment Law and Real Estate Tax Appeals in PA – 2001
Central Pennsylvania Chapter, A.I.
Feasibility Analysis and Highest & Best Use, ED68-D – 1996
Pennsylvania Realtors Institute
Current Appraisal Topics-RA8 - 1994
Cost & Income Approach-RA4 - 1993
Basics of Appraisal-RA1 - 1993
Narrative Report Writing-RA6 - 1992
Real Estate Analysis-RA2 - 1992
Sales Comparison Approach-RA3 - 1992
Standards & Ethics-RA5 - 1992
Intro to Commercial Appraisal-RA7 – 1992
Polley Associates
Appraisal of Residential Property – 1991
State of Pennsylvania
Board of Certified Real Estate Appraisers
Perspectives on Appraisals – 1995
PROFESSIONAL MEMBERSHIPS
The Appraisal Institute
Pennsylvania Association of Realtors
National Association of Realtors
Greater Harrisburg Association of Realtors
Mifflin/Juniata Board of Realtors
Central Pennsylvania Multiple Listing Service
Central Susquehanna Multiple Listing Service
Better Business Bureau of Pennsylvania (Appraisal & Real Estate Brokerage)
Juniata Valley Area Chamber of Commerce
ACTIVITIES
Advisory Board of The Juniata Valley Bank
Board of Directors for Mifflin/Juniata Board of Realtors (past)
Mifflintown Rotary (past president)
Juniata County Agriculture Society (past president)
REFERENCES
Scott Fritz, First National Bank
President & CEO
2 Main Street, Mifflintown, PA 17059
717-436-2144
Marcie Barber, Juniata Valley Bank
President & CEO
Bridge & Main Streets, Mifflintown, PA 17059
717-436-8211
Larry Cottrell, Juniata Valley Bank, Gardenview Office
Rt. 322, Reedsville
717-667-2411
Barbara Seaman, Juniata Valley Bank, Port Royal Office
PO Box 239, Port Royal, PA 17082
717-527-4114
Margaret Sandler, First National Bank of Pennsylvania
Main Street, Mifflin, PA 17058
717-436-2156
Susan Beinhaur, Bank of Landisburg
100 North Carlisle Street, Landisburg, PA 17040
717-582-7101
Lisa Laird, Hometown Mortgage Resources
108 S. State Road, Marysville, PA 17053
717-957-9966
Deborah Hendricks, Northumberland National Bank
245 Front Street, Northumberland, PA 17857
570-473-3531
Robin Camp, Swineford National Bank
Mount Pleasant Mills Branch
Mount Pleasant Mills, PA 17853
570-658-4709
James E. Goldsmith, Caldwell & Kearns Attorneys at Law
3631 N. Front Street, Harrisburg, PA 17110
717-232-7661
Cory J. Snook, District Attorney
100 North Main Street, Mifflintown, PA 17059
717-436-8260
Benjamin R. Yoffee, Esquire
15 East Main Street, New Bloomfield, PA 17068
717-582-0122
Dissinger & Dissinger, Attorneys at Law
400 South State Road, Marysville, PA 17053
717-957-3474
Andrew L. Winder, Attorney at Law
10 South Main Street, Mifflintown, PA 17059
717-436-8799
Thomas C. Clark, PC
431 East Main Street
Middleburg, PA 17842
570-837-0091
Thomas G. Clark, CPA
William Penn Highway, PO Box 161, Mifflintown PA 17059
717-436-8247
George Campbell, Tuscarora Land Surveying
250 Rural View Drive, Port Royal, PA 17082
717-527-4692
Johnston & Zagurskie Attorney’s at Law
117 Main Street, Mifflin, PA 17058
717-436-8044
Nancy J. Turner, Abstract America real Estate Settlement Solutions
65 Ken-Mar Drive, Shermans Dale, PA 17090
717-514-4114
Chad E. Kauffman, Kauffman Insurance Agency, LLC
91 Kauffman Ln, Mifflintown, PA 17059
717-436-8257
Don Paul Shearer
Real Estate Advisor, Analyst & Appraiser
PO Box 717, Camp Hill
717-731-8800