How To Get A Mortgage -- Meet Your Real Estate Appraiser
How To Get A Mortgage is your guide to The Dream Team. You've met your real estate agent, mortgage lender and home inspector. Now let's get to know your real estate appraiser.
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The Local Real Estate Appraiser
Four home appraisers we used over the years stand out in my mind.
- Les from Scotland, accepted all invitations to a cup of tea.
- I teased my female Realtors of creating property issues to spend more time with the second appraiser. Yes Mike was that cute.
- The third appraiser, Ernie an intriguing bookworm, loved antique books, appraising only to pay the bills.
- Creative Larry designed a jacket after 9/11 with "APPRAISER" in huge yellow letters to ease a client's mind while he tromped about the home.
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Primary Function Of Real Estate Appraisal
The main job of a real estate appraiser is to prepare a market appraisal for a mortgage lender. By comparing a sales price to three similar transactions, a real estate appraiser assigns market value to homes.
Mortgage lenders rely on a real estate appraiser. Their calculations assist a lender in determining the amount of money home buyers can borrow.
What should you do if your mortgage lender disagrees with your appraised value? Go to home appraisal tips for low values.
House Appraisal And Comparative Market Analysis
Don't fall into the trap of thinking the real estate appraisal should assure you of getting a good deal.
Your Realtor and you will have completed a comparative market analysis (CMA) before making an offer. Comparisons of active listings to recent sales are what tells you, the home buyer, that you obtained a good deal.
Tip: As I have said before in FHA Appraisal, the house appraisal is primarily for the mortgage lender. The home inspection checklist is primarily for the buyer.
How To Get A Mortgage - Protect Your Ownership
Next in the How To Get A Mortgage series - Understand why you can't do without this member of the Buying A House Dream Team. See how title insurance companies help you protect your ownership and maintain possession of your home.
Readers Ask Kate And Share About Appraisals
Home Mortgage Refinance Gets Appraisal Shock
7 Tips For Highest Property Appraisals
Vacation Home Under Appraised By Bank
Refinancing Advice For House Values
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Learn MORE About Your Dream Team
How To Buy A House Part 1 Meet your real estate agent and save yourself heartache and headache.
How To Buy A House Part 2 Meet your mortgage lender - Discover why closing loans requires more than quoting the lowest rate or taking an application.
How To Get A Mortgage Part 3 Meet your home inspector and avoid buying a money pit. It's THAT simple!
How To Get A Mortgage Part 4 Meet your real estate appraiser - Don't fall into the trap of thinking the appraisal assures you of a good deal.
How To Get A Mortgage Part 5 Meet your title insurance companies for little known coverage resulting in peace of mind.
How To Get A Mortgage Part 6 Meet your homeowners insurance agent because there is more to getting insurance than the cheapest quote.
How To Get A Mortgage Part 7 Meet your escrow and HUD 1 statement - Find out why escrow is the guardian of your real estate transactions.
Stories From Home Buyers - Meet Kate's home buying visitors who tell their stories and give advice for buying a house.
Ask Kate About Home Buying - Ask a question to get an answer from Kate.
How To Buy A House Q and A - A complete collection of questions about home buying, each with a individual answer from Kate
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How To Get A Mortgage guide featuring team members such as the real estate appraiser. Ask Kate how to get a mortgage and how to buy a house.