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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.
The Shaw Group Real Estate Partners 807 Cherry Street Chattanooga, TN 37402 Office: 423-265-0088 Cell: 423-421-3919 Fax: 1-888-866-8962 SueShaw@NUMBER1EXPERT.com
CHATTANOOGA IS A GREAT PLACE TO LIVE! (And Signal Mountain, Lookout Mountain, Elder Mountain, and White Oak Mountain). We are situated in a beautiful valley surrounded by lakes and mountains. The beautiful Tennessee River flows through the heart of the city.
You've heard of the Chattanooga Choo Choo. We have IT, but we have so much more! A wonderful fresh water aquarium, Children's Museum, a glowing riverfront, Hunter Art Museum, walking trails, downtown housing, suburban housing, trees, water, natural beauty, Coolidge Park and many other delights.
We are dedicated full-time Realtors. As an experienced team, we will make every effort to ensure that your family is comfortable and confident throughout the entire process of buying or selling. Our goal is to help you accomplish your goals. Whether you are buying or selling. YOU ARE NUMBER 1.
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