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After the buyer and seller come to a "meeting of the minds" on the price of a house, there is one more person who must be convinced that the house is worth the selling price--the mortgage company's appraiser.
The appraiser looks for three similar houses that have sold in the same area within the last several months, and compares the selling prices of these homes with the one that is now on the market. The appraiser makes adjustments to account for the differences in each property, and averages the adjusted prices of the other three homes to arrive at a final opinion of value. In subdivisions or condominium projects where there are many similar properties and numerous recent sales, the appraiser's job is relatively easy. In neighborhoods of older homes that have been renovated or remodeled over the years, it can be like comparing apples and oranges.
If the appraiser's evaluation is lower than the selling price, it can stall the transaction because the lender may decline the buyer's loan because of the discrepancy. A real estate agent can work to minimize potential delays associated with the appraisal process by helping the seller to price the home as close to fair market value as possible.
Cindy Poole York Simpson Underwood 226 Fayetteville Street Raleigh, NC 27601 Phone: 866-912-6980 800 944 7356 919 457 8181 (cell) 866-491-8224 (fax) Email: Cindy@CindyPoole.com
Quality Time Quality Service. This means service over and beyond the norm. Education is important to me to constantly be learning new ways to offer first class service to my clients. Specific training includes the StarPower Listing University, the SRES designation (working with the 50+ age group) the RSPS (Resort and Second-home Property Specialist) and e-PRO (the latest and greatest technology). GRI (Graduate Realtor Institute) and CRS (Certified Residential Specialist) include numerous and intense classes on a variety of subjects relating to real estate.
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