What Is Value Of At&T Stock Today And Show Changes Real Estate Appraisals – Know Your Numbers, Value, Local Economy, and What You Really Want

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Real Estate Appraisals – Know Your Numbers, Value, Local Economy, and What You Really Want

Want to refinance, sell or buy real estate? Whatever you want to do – now may be the right time; if you are clear, committed and willing to deal with the difference between your expectations and current realities. If you’ve watched too much HGTV or commercials and think you’re going to buy something with money – you’re going to be disappointed. If you pooled last year and think you should get your money back, think again. If you want to attract share, be prepared to hit rock bottom much faster. We are all living with the results of overly aggressive lending practices and active government intervention. Who needs enemies with all these friends? As the market develops in your area, the only person you want to listen to is your local residential real estate appraiser.

Know your numbers

Whether you’re selling or buying, it’s negotiation 101, and it’s in your hands. When you buy; remember your real estate agent doesn’t work for you, they work for the seller because that’s who pays them. If the agent told you something else – they are misleading you. When you’re selling, understand that the agent is working for you, but high or low scores just kill the deal from the start. Know your exit number. This is very important – yes, it’s an emotional and stressful time, but whoever keeps their head wins. You have the number you want, the number you will settle for, and finally the number that breaks the deal. This absolute the lowest/highest number you can tolerate is not a line in the sand – it’s a line in hardened concrete. If you do not know what your number is, it is worth contacting a consultant who will help you develop several scenarios. A lot of the time when you leave, the number depends on what you want to do after the sale – so be clear and hold firm.

Your bank is not your friend

Big surprise – the people who caused the economic disaster are not on your side – whether it’s a “local” bank or not. Credit is a commodity, and you either qualify or you don’t. The institution (not the loan agent) usually has very little repeat business, so they don’t see you from the perspective of a traditional customer. Once a loan is originated, it is bundled with thousands of other loans (mortgage pools) and resold – sometimes on the same day. Today, the federal government effectively controls most of the home loan market through Fannie Mae and its regulations. These well-intentioned bureaucrats were also the main driving forces behind the subprime market, and they continue to be at the helm. If you find it scary or impersonal – take it to the ballot box. But until things change, banks are hoarding cash and being cautious about loans – they smile and say it’s not our fault – the government, or the market, or the appraised value doesn’t match the parameters of the loan. So, to be clear, they have a reason for doing this. Hoarded cash plus government bailout money distorts their performance by artificially supporting stock prices, providing alternative cash investment flexibility, and promoting bonuses and pay raises (eg Citicorp and Bank of America).

Assessment is the fulcrum

Your assessment is the fulcrum for acceptance or rejection. Although this is a subjective assessment of current local conditions, banks will use the assessment as an objective tool. an example; the appraisal is conducted in California and sent to the intermediary (AMC), who may be anywhere else. This middleman is a new added cost to you, invented by the government to help. An intermediary, who may or may not have actual experience with your area, looks it over and then goes to the bank, where a loan officer elsewhere scrutinizes it against their criteria. Depending on the bank’s policy, you may be accepted, rejected or put on hold at this point. Being in limbo can actually be okay and a week later you get a different loan officer or change policy etc and the loan goes through. Like a knife, evaluation can cut both ways. If a loan officer is pressured by a boss to cut loans, he will use that as a tool to say you’re not a good fit, or vice versa. Same report – different result because the approver is driven by the interests of the institution. Understanding the process and how government intervention has added more steps and time allows you to help shape the process to work for you.

Be ready when the appraisers arrive

Now you know the steps, the process, and all the eyes on your documents – make it the best app it can be. For great examples, watch the HGTV or TLC home shows where you see the before and after. Don’t you always roll the cameras when it looks like this? The same here – the appraiser is not your friend; they are business people there to do a job. They will take pictures of everything in and around your home and put together a written description of how your home compares to your neighbors for a report. Clear the place! Arrange the furniture, mow the lawn, hide the marijuana plants you’ve been growing (no kidding – you’ll be surprised). Give the appraiser the ammunition they need to create the best report for you. Trust me – that’s what they want to do – they’re working people just like you. So, watch some TV, take a day to clean, make an appointment, and tell the appraiser what you did to the place. The more information they have, the better the report will be. An excellent, well-documented evaluation will help you and reduce more stumbling blocks than almost anything else in the process.

Take responsibility

These may be tough times – don’t make them worse by giving control to banks and bureaucrats. Make sure you set the stage and make the process work to your advantage.

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