Joseph M. Courtney, Jr.

Joe Courtney


Born and reared in Mobile, Alabama. Graduated from McGill-Toolen High School, Mobile, Alabama, in May, 1977 and graduated from the University of Alabama in August, 1981 with a Bachelors of Science degree in Business Administration majoring in Real Estate.

Real Estate Education and Experience

Has been employed with Courtney & Morris Appraisals, Inc., since August, 1981, as a real estate appraiser. Received the Alabama State Real Estate Broker’s License in September, 1981.

Received the Mississippi State Real Estate Broker’s License in March, 2006. Successfully completed the following real estate courses while attending the University of Alabama: Real Estate Appraisal, Financial Institutions I, Estates and Trusts, Principles of Real Estate, Business Finance, Real and Personal Property Law, and Business Risk Management. Also completed Course 101, The Principles of Real Estate Appraising, October, 1984, University of Georgia, Athens, Georgia; Course 102, Applied Residential Property Valuation, September, 1989, University of Alabama – Birmingham, Birmingham, Alabama; Course 201, Principles oflncome Property Appraising, May, 1986, University of Florida, Gainesville, Florida; Course 202, Applied Income Property Valuation, June, 1990, Nashville, Tennessee; Standards of Professional Practice, Part 3, June, 1999, Orange Beach; Attacking and Defending an Appraisal in Litigation, 7, 1999, Birmingham, Alabama; Residential Appraiser Productivity Series Training Class for Windows, April, 2000, Baton Rouge, Louisiana; Review of Sales Comparison Approach, July, 2001, Mobile, Alabama; National Uniform Standards of Professional Appraisal Practice, August, 2003, Mobile, Alabama; Scope of Work-Expanding Your Range of Services, August, 2003, Mobile, Alabama, Construction Details and Trends, September, 2003 – Visual Classroom, Professional’s Guide to the URAR, New Orleans, Louisiana, May, 2005; National USPAP Course, New Orleans, Louisiana, March, 2005; Construction Details & Trends, August, 2007; Disclosures & Disclaimers, August, 2007; Appraisal Trends, August, 2007; Uniform Standards of Professional Appraisal Practice (USPAP), Daphne, Alabama, August, 2007. Trainee/Mentor Orientation, May, 2009; Course 406-B, National USPAP-Update, Gulf Shores, Alabama, July, 2009; Introduction to Expert Witness Testimony, August, 2009; Land and Site Valuation, August, 2009; Appraisal Trends, August, 2009; Business Practice Ethics, August, 2010; National USPAP Update, Mobile, AL, August, 2011; Ways to Minimize Your Liability, August, 2011; More Oddball Appraisals, August, 2011; Introduction to Uniform Appraisal Data Set, September, 2011; The Lending World in Crisis – What Clients Need Their Appraisers to Know Today, Mobile, Alabama, March, 2013; 7 – Hour National USPAP Update Course, Birmingham, Alabama, April, 2013; Appraising and Analyzing Retail Shopping Centers for Mortgage Underwriting, July, 2013; Residential Appraisal Review, July, 2013; Land & Site Valuation, July, 2015; Appraisal of Owner-Occupied Commercial Properties, August, 2015; 2014-2015 7- Hour National USPAP Update, August, 2015; Appraisal of Land Subject to Ground Leases, August, 2015; Forest Valuation for Non-Foresters, Montgomery, Alabama, October, 2016; Common Mistakes Found During Investigations, Spanish Fort, Alabama, June, 2017; Appraisal ofREO and Foreclosure Properties, August, 2017; 2016-2017 7-Hour National USPAP Update Course, August, 2017. Has also attended numerous appraisal related seminars and courses sponsored by the Federal National Mortgage Association and the Appraisal Institute.


Appraisal Clients

First Community Bank, Peoples Bank of Alabama, Bay Bank, Bancorp South, Branch Bank & Trust, Co., BBVA Compass Bank, Regions Bank, Iberia Bank, Hancock Bank, Coastal Bank & Trust, Merchants Bank, Regions Mortgage Company, Bay Mortgage Company, Citizens’ Bank, Royal Bank of Canada (RBC), U.S. Small Business Administration, Trustmark National Bank, Bank of America, Whitney National Bank, City of Daphne, AL., Riviera Utilities, City of Fairhope, AL., City of Gulf Shores, AL., City of Foley, AL., City of Elberta, AL., Federal National Mortgage Assoc., U.S. Fish & Wildlife Service, PowerSouth Energy Coop., State Bank & Trust Company, United Bank, The First, First Community Bank, Coast, The Mitchell Company, First Southern Bank, Florida Gas Corporation, Park National Bank, Bank of the Ozarks, Centennial Bank, Century Bank, PNC Bank, National Bank of Commerce, and various attorneys, individuals, and corporations. Has testified to the value of real estate in U.S. District Court, Mobile, Alabama, and Circuit and Probate Court in Mobile County, Escambia County, and Baldwin County, Alabama.


Professional Memberships

Commercial Real Estate Exchange Club of Baldwin County Member of the Baldwin County Board of Realtors


State Certified General Real Estate Appraiser, Alabama License #G00094

State Licensed Real Estate Broker, Alabama License #8407-0