Adelaido Gonzales, MBA

Southmost Realty, Appraisals, & Consultants

General State Certified Appraiser#TX-1325670-G

Texas State Real Estate Broker #0187190

NAICS No. 531320 and 531390



Southmost Realty, Appraisals, & Consultants: For any real estate related matters such as certified appraisals, purchase decisions, selling, litigation issues, divorce value disputes. etc.  We deal with residential, commercial, and/or general real estate consulting services. (956) 412-1357 or (210) 322-0297 Adelaido Lalo Gonzales, MBA




INSTITUTION                                                                       TYPE OF DEGREE


San Benito High School                                                 High school diploma


Texas A & M University College Station                     Two year study-business


University of Texas Austin                                               Bachelor in Business Administration (BBA; Finance)


Texas Southmost College                                             Associates degree in Real Estate


Texas Southmost College                                             90% - Associate Degree in Construction


University of Texas Austin                                               Master in Business Administration (Class of 1990- MBA Graduate)


Associations (Past and Present)


Alpha Kappa PSI Fraternity

Society for the Advancement of Management

International Prison Fellowship


Professional Organizations


MAI candidate at the Appraisal Institute – (not currently a candidate)

Texas Real Estate Association of Realtors

National Real Estate Association

National Board of Realtors

Multiple Listing Service (MLS) – Several Counties

National Association of Master Appraisers, Member


License / Certifications (Current)


*State Certified General Real Estate Appraiser #TX - 1325670 - G

Texas Licensed Real Estate Broker #187190


*Note: Certified General Appraisers can perform both residential and commercial properties with no value restrictions.


Licenses (Previous)


Notary Public -- State of Texas

Texas Insurance Group License


Foreigh Language Fluency


Read, write, and understand Spanish and Tex-Mex lingo


Municipalities in which Real Estate Assignments have been performed for:


City of Harlingen / condemnation proceedings  

City of Los Fresnos

City of Rio Hondo

City of San Benito / condemnation proceedings

City of Combes / condemnation proceedings

City of Mercedes

City of Roma


School Districts in which Real Estate Assignments have been performed for:


Harlingen C.I.S.D

Hidalgo C.I.S.D

San Benito C.I.S.D

Progresso C.I.S.D


Government and Quasi-Government

 Registrations /Approvals


Adjutant General's Department - Texas Army National Guard

Fannie Mae Mortgage Screen Entry Approved

Federal Housing Administration - Fee Appraiser Panel / CHUMS #1337

Freddie Mac Mortgage Screen Entry Approved

U. S. Federal Registry

U.S. Department of Housing and Urban Development

U.S. Department Of Justice

U.S. Marshals

U.S. Social Security Administration

Texas Commission on Environmental Quality (EPA)

Texas Veterans / General Land Board - Fee Panel Appraiser


Attorneys/Courts in which Real Estate Assignments have been performed for:




David Mathews, Attorney at Law

Mathews & Willis, P.C.

1650 Paredes Line Road, Suite 102

Brownsville, TX 78521

Phone: 956-982-4404


Randell W. Friebele

Law Office of Randell W. Friebele

1212 E Harrison Ave

Harlingen, TX 78550

Phone: (956) 428-0202


Amber M. Rodriguez

Davis Law firm

320 W Tyler Ave

Harlingen, TX 78550

Phone: (956) 425-0934


Tom Fleming

Fleming & Mathews, PC

1650 Paredes Line Road, Suite 102

Brownsville, TX 78521

Phone: (956) 982-4404


Nemecio Lopez

Office of Nemecio E. Lopez, Jr.

1314 East Harrison Avenue

Harlingen, TX 78550-7130

Phone: (956) 425-9554


William L. Pope

Adams & Graham, L.L.P.
134 East Van Buren, Suite 301
Harlingen, TX 78550
Phone: (956) 428-7495



Michael Ray (Mike) Ezell

Law office of Michael R. Ezell

312 East Van Buren Street

Harlingen, TX 78550

Phone: 956-425-2000


W. Michael Fisher

Roerig Oliveira & Fisher L.L.P.

855 W Price Rd # 9

Brownsville, TX 78520-8718

Phone: (956) 542-5666


Randall P. Crane

Law office of Randall P. Crane

201 S Sam Houston Blvd.

San Benito, TX 78586-3866

Phone: work(956) 399-2496


Jose Cano

Atlas & Hall, L.L.P.
818 Pecan Boulevard
McAllen, Texas 78501
Phone: (956) 682-5501


TJ Wingate

Wingate Law Office

7000 N. 10th Street, Suite C-5

McAllen, TX 78504

(956) 682-0100


Sandra (Guajardo) Falcon

Wingate Law Office

7000 N. 10th Street, Suite C-5

McAllen, TX 78504

(956) 682-0100


Raul A. Guajardo

Office Raul A. Guajardo, P.L.L.C.

706 East University Dr.

Edinburg. TX 78539

Phone: (956) 318-3200





Hugo Xavier De Los Santos, CPA

Office of Hugo Xavier De Los Santos

900 Vance Jackson Rd.
San Antonio, TX 78201

Phone: (210) 236-4227


Albert Garcia

Law Office of Albert Garcia

422 East Harrison Ave.

Harlingen, TX 78550

Phone: (956) 425-4171


Arturo Herrera Saenz

Office of Arturo Herrera Saenz

1314 E Harrison Ave.

Harlingen, TX 78550

Phone: (956) 423-0255


Brian G. Janice, P.C.

Law Office of Brian G. Janice, P.C.

777 E. Harrison Street, 2nd Floor
Brownsville, TX 78520
Phone: (956) 541-2168


Richard A. Cantu, P.C.

Office of Richard A. Cantu, P.C.

5307 North McColl Road

McAllen, Texas 78502

Phone: (956) 630-6330


Christopher Phillipe

Law Office of Phillipe & Associates

248 Billy Mitchell Boulevard

Brownsville, Texas 78521

Phone: (956) 544-6096


Omar Maldonado

Law Office of E. Omar Maldonado

4308 North McColl Road

McAllen, Texas 78504

Phone: (956) 668-7114




Maria Estella Perez

Law Office of Maria Estella Perez

2826 Pine Valley Drive

Harlingen, Texas 78550

Phone: (956) 423-8577


Ronald W. (Ron) Armstrong

The Armstrong Firm

2600 Old Alice Road

Brownsville, Texas 78521

Phone: (956) 546-5556


Ronald Armstrong II

The Armstrong Firm

2600 Old Alice Road

Brownsville, Texas 78521

Phone: (956) 546-5556


John Ventura

Law Office of John Ventura

62 E Price Road

Brownsville, TX 78521

Phone: (956) 542-1478


Gabriela Garcia

Law Office of Gabriela Garcia

1135 East 12th Street

Brownsville, TX 78520

Phone: (956) 542-1600


Daniel Robles

Robles Law Firm

418 W Tyler Avenue

Harlingen, Texas 78550

Phone: (956) 425-8683


David W. Showalter

Showalter Law Firm

1117 FM 359, Suite 200

Richmond, Texas 77406

Phone: (281) 341-5577




Richard R. Rodriguez

Attorney at Law

1117 E Harrison Avenue

Harlingen, Texas 78550

Phone: (956) 425-4992


John L. Carrington

John L. Carrington Law Office

1113 E Harrison Avenue

Harlingen, Texas 78550

Phone: (956) 425-5142


Arthur (Gene) E. McCullough

McCullough & McCullough

323 E Jackson Street

Harlingen, TX 78550

Phone: (956) 320-1320


Rogelio (Roy) Valdez

Chief Justice – Texas 13th Court of Appeals

100 East Cano Street

Edinburg, Texas 78539

Phone: (956) 318-2405


Richard Valdez

Valdez Law Office

316 W Tyler

Harlingen, Texas 78550

Phone: (956) 425-5775


Rafael Garcia Jr.

Thornton, Biechlin, Segrato, Reynolds & Guerra, L.C.

418 East Dove

McAllen, TX 78504

Phone: (956) 451-1616


Honorable Migdalia Lopez

197 District Court – Cameron/Willacy County

974 E Harrison St.

Brownsville, TX 78520

Phone: (956) 574-8150





DECEMBER 2, 1992

MCE Keeping Current with Texas Real Estate, 15 hours


May 22 – 29, 1994

Week long Executive Seminars at Barton Creek Executive Conference Center by University of Texas at Austin - MBA Executive Program - Multitude of speakers on subjects such as: International Trade and Impact of Land Valuations; Finance; Databases; Negotiation Skills; N.A.F.T.A. (North American Free Trade Agreement)


August 3, 1994

U. S. Department of Housing and Urban Development Workshop in San Antonio, Texas


September 21, 1994

Uniform Standards of Professional Appraisal Practice 'Update' in San Antonio, Texas by Mr. Hoachim, Executive Director of National Association of Master Appraisers



VA Seminar by William d. Newton, Chief of Construction and Valuation of VA Loan Underwriting and Appraisers

East Texas Baptist University; Appraisal Standards and Ethics

MCE Keeping Current with Texas Real Estate 1993, 15 hours



American College of Real Estate; 30 hours training update on appraising course #0221 in San Antonio, Texas and approved by Texas Real Estate Commission.



FHA Seminar in Harlingen, Texas; FHA Appraisals & Single-Family Valuations; FHA, San Antonio Office; Speakers: David Skurka & Celia Kiger

appraisal - Residential, 30 hours



U. S. Department of Housing and Urban Development - FHA Seminar (multitude of subjects) - Finance, Appraising, etc.

Investment 1, 30 hours



Appraisal-Commercial, 30 hours



National Uniform Standards of Professional Appraisal, 15 hours

Lincoln Graduate Center, National Association of Master Appraisers National USPAP Course

Appraisal Institute - Residential Property Construction and Inspection

Appraisal Institute - Internet Search Strategies for R.E. Appraiser



Computaught National USPAP, 14 hours

Environmental Issues in Your Real Estate Practice, 6 hours

Red Flags Inspection Guide, 6 hours

Property Management and Managing Risk, 6 hours



USPAP Course with Exam, 15 hours



Farm & Land Appraisal, 15 hours



Keeping Current with Texas Real Estate


Legal Update and Ethics Course



USPAP Course Update, 7 hours

FHA & VA Appraisal Basics, 7 hours

Mortgage Fraud: A Dangerous Business, 7 hours

Income Approach: An Overview, 7 hours



Texas Ethics MCE 2010, 3 hours

Texas MCE Legal 2010, 3 hours

Texas Statutory Contacts, 9 hours

Private Appraisal Assignments, 7 hours

The Cost Approach, 7 hours

The Dirty Dozen, 3 hours

REO and Foreclosures, 5 hours

2010-2011 National USPAP update equivalent, 7 hours



2012-2013 National USPAP Update Course, 7 hours

Appraising FHA Today, 7 hours

Risky Business: Ways to Minimize Your Liability (with Audio and Video), 5 hours

Residential Appraisal Review, 7 hours

Essential Elements of Disclosures and Disclaimers, 5 hours



MCE Legal Update, 3 hours

MCE Ethics, 3 hours

MCE Broker Responsibility, 6 hours

National Marketing, Negotiations and Closing the Sale, 3 hours




Nemecio Lopez                                                   American General

Attorney at Law                                                  Ricardo Sepulveda          

1314 East Harrison Ave.                                     5209 N. McColl Rd.

Harlingen, TX  78550                                           McAllen, TX 78504

(956) 425-9554                                                     (956) 454-0485 Mobile


Fannie Mae                                                          Raul A. Guajardo

Ramona E. Coleman                                         Attorney at Law

Appraiser Director                                              Attorney at Law

13455 Noel Road, Suite 600                             706 E University Dr.

Dallas, TX  75240-5003                                        Edinburg, TX  78539

(972) 773-7792                                                     (956) 686-1977 Office


Rio Bank

Lloyd Molina

First Vice President

2000 FM 802

Brownsville, TX 78521

(956) 545-6419 Mobile






RioPlex Appraisals

Ian Martinez, Appraiser

Appraisal Firm

1314 Ridgewood Circle

Pharr, TX 78577

(956) 463-2097


197 District Court – District Court Judge

   Honorable Migdalia Lopez

574 East Harrison

Brownsville, TX 78520

(956) 574-8150

Bexar County


Juan Angel Guerra, Formal District Attorney (Previous)

Willacy County District Attorney                                

Marte Guillen

Assistant District Attorney

546 W. Hidalgo

Raymondville, TX  78580

(956) 778-9768







ALL CITIES WITHIN                                               DATA RESOURCES:




Cameron County           builders, realtors, contractors, mortgage investors, appraisers, MLS


Hidalgo County              builders, realtors, contractors, mortgage investors, appraisers, MLS


Willacy County                builders, realtors, contractors, mortgage investors, appraisers,


Starr County                     builders, realtors, contractors, mortgage investors, appraisers,


Bexar County                   builders, realtors, contractors, mortgage investors, appraisers, MLS


Webb County                  builders, realtors, contractors, mortgage investors, appraisers, MLS


Zapata County               builders, realtors, contractors, mortgage investors, appraisers,




This appraiser has been familiar with the area moreover; this appraiser has been involved full time in the real estate business for many years.  This familiarity and real estate experience is factored into this report.  This familiarity and real estate experience is a competitive advantage.  additional sources to our extensive database consists of “review appraisals” that we do, as well as several non-MLS real estate agents that our office has been involved in, all options (radius, time-frame, sources, etc) will be considered in the search for comparable sales.  Additionally, appraiser has an alliance of cooperating appraisers that assist in providing additional information on non-published sales in addition to sharing professional knowledge and research.  This enhances the work product of appraiser when additional data and collaboration is appropriate.







Member of the following Appraisal Management Company (AMC) Panel(s)


DataQuick Lending Solutions Inc.

TX License No. 2000006


AMC Links LLC.

TX License No. 2000037


Solidifi US Inc.

TX License No. 2000060


Streetlinks LLC.

TX License No. 2000086


Settlement Valuation Solution Corporation

TX License No. 2000026


InHouse Inc.

TX License No. 2000141


Nations Valuation Services Inc.

TX License No. 2000063


Momentum Appraisal Management Group

TX License No. 2000056


ACT Appraisal Inc.

TX License No. 2000031


Title Source Inc.

TX License No. 2000034


SolutionStar Settlement Services LLC.

TX License No. 2000134


Old Republic Diversified Services

TX License No. 2000033


Nationwide Appraisal Network LLC.

TX License No. 2000065


First Valuation Services LLC.

TX License No. 2000185


Broad Street Valuations INC.

TX License No. 2000017


Murcor Inc.

TX License No. 2000021


Tennessee Appraisal Management Co. LLC.

TX License No. 2000122


Epic Real Estate Solutions Inc.

TX License No. 2000061


Appraisals 2 U LLC.

TX License No. 2000081


Real Estate Valuation Partners LLC.

TX License No. 2000028


Axios Valuation Solutions LLC.

TX License No. 2000119


Appraisal Linx Inc.

TX License No. 2000024


Timios Appraisal Management Inc.

TX License No. 2000118


Epic Appraisal Solutions Inc.

TX License No. 2000205





Approved by a Multitude of Financial Investors such as (but not limited to):


Coley Mortgage                                              21st Century Mortgage                              

Aames Funding Corporation                       Aames Home Loan

ABC Management                                          AbnamPRO                              

Absolute Mortgage                                        Accurate Mortgage

Advanced Collateral Solutions                    Advance Funding      

Advantage Investors Mortgage                 Aetheles LLCc, DBA

AmeriNetAim/Invision Mortgage                Airforce Federal Credit Union

Alamo Bank of Texas                                      All State Appraisal Review

Alliance Appraisal Management               Allegro Mortgage Services

Allied Home Mortgage Capital                   Americas Informat Inc.

Americas Moneyline Inc.                               America’s Wholesale Lender

American General Finance                          American General Financial

American Home Loans                                  American Home Mortgage

American Mortgage                                      AmeriMortgage Group

Ameriquest Mortgage Company               Andy Cortez Realty Enterprises

Apex Lending-Harlingen, TX                         Apex Lending-Dallas, TX       

Appraisal Bank                                                 Appraisal Enhancement Services

AppraisalPort                                                    Appraisal Management Company

Appraisers Across America                           Argent Mortgage

CompanyArmadillo Homes                         Asset Management   

Associates National Mortgage                    Assurance Mortgage of Texas

Atlantic Assurance                                          Aurora Loan Services

Axiom Financial Services                               Banchs Financial Group

Bank of America                                              Benchmark Lending

Benchmark Mortgage                                   Best Rate Mortgage

BPO Direct                                                          Broad Street Mortgage

C. S. Mortgage                                                 Cabrera’s International

Cameron County District Attorney             Capital Funding Group

Capital Funding Mortgage                          Capital Loan Associates       

Capital Plus Mortgage Company              Carolina Mortgage Group Inc.

CDC North America                                       Celco Mortgage

Centerbank Mortgage                                  Centex Home Equity

Central Processing Center                            Century Financial Services, LLC CFG/Diversified Charter Funding

Chase Manhattan Mortgage                      CITI

CitiFinancial                                                       CitiMortgage

Citinet Mortgage                                             City Mortgage

City National Bank                                           CityMortgage

Citywide Financial                                           Clarity Mortgage Services

Coastal Banc                                                    Coastal National Mortgage Coldwell Banker Bank                                                                              Coley Mortgage         

Commerce Title Company                           Community America Credit Union

Community Mortgage                                   CompuFund Mortgage Company Community Lending                                                                              Concorde Acceptance

Conseco Finance Corp.                                Cornerstone Mortgage

Correspondent Leading                                Countrywide Funding

Country Wide Home Loans                           Coventry Mortgage

Cowen Funding Services                               Creative Mortgage Co.        

Crest Mortgage Company                           CRG Valuations

Credit Risk Solutions                                         Dallas Home Loan

Department of Justice                                    Dana Capital

Del Sol Home Construction

DFW Group                                                        Diamond Mortgage

Dimension Mortgage                                     Direct Equity Mortgage

Direct Lending                                        

Downey Savings and Loan                          DRI Title & Escrow

E-Loan Appraisal Team                                  East to West Mortgage          

Enterprise Mortgage                                       Entrust Mortgage                    

EquiCredit                                                          ESI Mortgage

Eventus Inspections                                         Express Financial Services

Express Mortgage                                            Extraco Mortgage

Fairway Mortgage                                          Faith Mortgage           

Famaz, Co Financial Services                       Fidelity

Fannie Mae                                                       Fidelity One        Fieldstone Mortgage

Finance America                                             Financial Asset Services, Inc.

Finfancial Demensions                                   First Bank of Los Fresnos

First Choice Lenders                                        First Colony Financial 

First Consolidated Mortgage                       First Equity Corp

First Franklin Financial                                      First Greensboro Home Equity

First Horizon Home Loans                               First Houston Appraisal

First Magnus Financial                                    First National Bank

First National Bank of Scottsdale                 Firstplus

Freedom                                                             First Plus Funding

First Source Financial                                       First United Mortgage Brokers

First Valley Mortgage                                      Five Brothers Mortgage

Fleetwood Mortgage                                     Fox Funding, Inc.

Frant Square Financial                                   Frontera Mortgage, Inc.       

Full Spectrum                                                     G. E. Mortgage

General Mortgage                                          GMAC Mortgage Corporation

Gold Financial Services                                  Great Financial Bank

Greenlight Financial Services                       Greenpoint Mortgage

Guaranty Residential Lending                     GWG Mortgage          

Harlingen National Bank                                Harlingen National Bank Mortgage Hernandez Construction                                                     Home Capital, Inc.     

Home Focus Valuation Services                  Home Help Center, L.L.C. / Real Homesite Mortgage                                                                              Homebound Mortgage

Homecomings Financial                                Homefocus L.L.C.

Homes of America                                          Homeside Lending-Dallas, TX Hometown Mortgage                                                                              Hope Mortgage

Diamond Mortgage                                       Houston City Mortgage

IFS Mortgage                                                    Independent Financial Independent Mortgage                                                                              Indy Mac Bank

Inter National Bank                                          International Bank of Commerce Interplex Mortgage Co.                                                                       Invasion Mortgage

Iway Loan                                                          J & J Investments          JBL Enterprises

Kellner Mortgage                                             Key Mortgage

L.C. Mortgage                                                  Land America Default Services Landsafe Appraisal Services                                                               Laredo National Bank

LC Mortgage                                                    Lehman Brothers         

Liberty Financial Services                               Liberty Mortgage Co.            

Link Mortgage                                                  Loanstream Corporate         

Loan Star Lenders                                            Lone Star National Bank       

LSI/Lender Services Inc.                                  M.C.O. Mortgage       

Mainland Home Loans                                   Mainsource Mortgage          

Marder and Associates                                  Matchmaker Mortgage       

MBI Mortgage                                                  MBNA America

McAfee Mortgage                                          McAllen Mortgage     

McKeever Ent. Inc. DBSA American           MCO Construction     

MCO Mortgage                                               Med Mortgage

MDA Lending Solutions                                  Megamerica DBA America Premier

Meir Mortgage                                                 Memorial Park Mortgage

Merrill Lynch                                                       Mid Americe Mortgage

Monument Financial Services                      Mortgage Select Co.

Mortgage Services                                          Mortgage Shoppers Corporation

Mortgages Direct                                             My Mortgage Option

Navy Federal Credit Union                            National City Mortgage       

National Credit Home Equity Services       National Mortgage Lenders

Nations Banc Mortgage Corp.                    Nations Valuation Services Nationwide Appraisals and Title                                                                       Nationwide Family Mortgage

Navy Federal Credit Union                            New Century Mortgage       

Nexstar Financial Services                             Non Profit Resource Housing Group North America Mortgage                                                          Norwest Mortgage

Novastar Home Mortgage                           NTFN, Inc.           Olympic Funding/Process           Omega Mortgage                                                         

Option One Mortgage                                  Orion Mortgage          

Pacific Guarantee Mortgage                      Pan Am Construction            

PCV Murcor                                                      Precision Mortgage Group

Premier Nationwide Lending                        Prime Lending

Primera Mortgage                                           Principal Residential Mortgage Profolio Home Mortgage                                                                              Quality Assurance Review Co. Prudential Home Mortgage                                                          QARC                                       Quantix

R.T. Minor Mortgage                                       Remax International Relocation Realink  Reliable Mortgage

REM                                                                      Residential Mortgage Corp. Residential Real Estate Review                                                                Rio Grande Mortgage, Inc. Riverway Mortgage Company                                                          RTM Funding

San Benito Bank & Trust Co.                          Sante Fe Financial Services, LLC

SARMA                                                                Seal Construction                   

Sebring Capital Corporation                       Secure Mortgage                   

Select Funding, Inc.                                         Settle Appraisal Services, Inc.          

Sib Mortgage Corp.                                        Signature Lending Corp.

Southern Lending Corporation                   Southwestern Mortgage Company Southwest A                                                                              Spinner Mortgage       State Farm

Success Investments                                        Summit Mortgage

Sunset Mortgage Co. L.P.                              Tena Companies

Texas Bank & Trust                                            Texas Community Mortgage

Texas First Choice Mortgage                        Texas State Bank

Texas State Home Loans, Inc.                       Texas Tropical Center MHMR

Texas Veterans Land Board                          The Accu Prime Group

The Money Outlet                                            The Mortgage Line

The Mortgage Market                                    The Mortgage Outlet

The Mortgage Warehouse                            Texas Military Forces, Austin

Texas Department of Transportation         TIB Mortgage Company       The

Town and Country Mortgage                     T.J. Wingatge, Attorney

U.S. Bank                                                             U.S. Department of Social Security

U.S. Marshal Service                                         U.S. Home Exchange

U.S. Property & Appraisal                               U.S. Real Estate Services, Inc.

UAMC                                                                  United Lending Group           

United Security Mortgage                             U.S. Department of Agriculture

Upland Mortgage                                           USA Home Lending Corp.

USA Mortgage                                                  USDA – RECD

Valley Federal Credit Union                          Valley Home Equity    

Vision Bookkeeping                                        Wall Street Mortgage

Washington Mutual Finance                        Waterfield Financial

Weichert Financial Services-Wayne            Wells Fargo Financial 

Wells Fargo Home Mortgage                       Weyerhaeuser Mortgage Co.         

Dr. David A. Woolweaver, D.D.S., M.S.D.










3rd Annual RGV State Certified Real Estate Appraiser’s Conference


         Left: Mr. Douglas Oldmixon, Administrator – Texas Real Estate Commission


Center: Mr. Adelaido (Lido) Gonzales, MBA – Texas State General Certified Appraiser and Texas State Licensed Real Estate Broker – Receiving recognition


Right: Mr. Luis F. De La Garza, Chairman – Texas Appraisal Licensing and Certification Board






















3rd Annual RGV State Certified Real Estate Appraiser’s

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