Have you ever wondered “How much is my house worth?” I have some thoughts for you to consider. First, if you don’t really need to move, it is worth whatever you say it is. If you think, “I wouldn’t sell this house for less than $300,000,” then it is worth that much to you. If you need to sell it, though, what it is worth to you is irrelevant.

Market value is the only relevant value once you are ready to sell. This is the value according to all the home buyers out there. They don’t care what you spent renovating the house, or what you originally paid. Spend $50,000 adding a pool, and they may only pay $20,000 more for the home. Real estate is worth what the market says it is worth.

How Much Is My House Worth – Part One

To estimate the market value of your home, use “comparables.” This is how appraisers do it. Find at least three similar homes nearby that have sold within the last six or maybe twelve months (these are your comparables). This information is in county records (sometimes online now), or ask a real estate agent with access to the multiple listing service. Get the sales prices, terms of sale, description of the property, and other information.

Take a comparable, write down the selling price, and review item by item. Add to the sales price of the comparable for each thing it doesn’t have that your subject home has, and subtract for each thing it has that your subject home does have. Once you try this a couple times, it will make more sense.

For example, if your home has a second bathroom, and the comparable doesn’t, add the value of the bathroom to the sales price of the comparable. If the comparable home has a blacktop driveway, and your’s doesn’t, take the value away. You’ll have to estimate what these things are worth, or ask for professional help. You are rectifying differences, to see what the comparable home WOULD have sold for if it was just like yours. If a comparable sold for $242,000, with one less bathroom than your home, and a bathroom is worth $15,000 in your area (ask a real estate agent for help with these figures), then you ADD $15,000 for the bathroom it doesn’t have. Subtract, say $5,000, for the paved driveway it does have, that your home doesn’t have. $242,000 plus $15,000, minus $5,000 gives you a comparable sales price of $252,000.

Do this with each comparable, then average the three comparable prices. If, for example, the three comparables now have adjusted sales prices of $252,000, $262,000, and $249,000, add the three figures and divide by three. The indicated value of your home is $254,300. This is about what it should sell for.

How Much Is My House Worth – Part Two

Appraisal is an inexact science. If you can only find houses sold over a year ago, you should probably estimate appreciation in the area, and add that. If one sold with seller financing, you have to adjust for how this affected the price. These complications make it tough to appraise your own home, so what if you need help?

There are other ways to find out what your house is worth. You can pay for a professional appraisal. This way you will also have something to show to prospective buyers who doubt the value. Be sure to tell the appraiser about anything she might miss, like a newer roof, or specially imported tiles.

Some online services try to tell you what your house is worth? They don’t have enough access to sold prices of homes around the country to have a program figure the value of your house. Instead, they usually just take your basic information, e-mail address, and phone number, and sell this “lead” to a real estate agent that will contact you.

It is better to find a real estate agent on your own, and ask “How much is my house worth?” Find one who has sold homes in your area, and ask if she can do a “market analysis” of your house value. Agents provide at no cost, hoping to get your business. Often, if the agent has experience and has worked in your neighborhood, they’ll do a better job than an appraiser, and the price is right.

Video related to house worth

Steven Tarampi gets his condo appraised on hgtv’s My House is Worth What?

Frequently question about house worth

About Author

Rob Harding –
About the Author:

If a luxury patio home, in a gated, golf couse community with low maintence is what you are looking for… go to http://www.FairwaysBuildersCO.com

How much is My House Worth?

Are you wondering “how much is my house worth?” I have two answers for you. First, if you don’t really need to move, it is worth whatever you say it is. If you think, “I wouldn’t sell this house for less than $300,000,” then it is worth that much to you. If you need to sell it, though, what it is worth to you is irrelevant.

Market value is the only relevant value once you are ready to sell. This is the value according to all the home buyers out there. They don’t care what you spent renovating the house, or what you originally paid. Spend $50,000 adding a pool, and they may only pay $20,000 more for the home. Real estate is worth what the market says it is worth.

How Much Is My House Worth – Part One

To estimate the market value of your home, use “comparables.” This is how appraisers do it. Find at least three similar homes nearby that have sold within the last two to three months (these are your comparables).  Also, plan on requesting current listings as some banks are actually looking at new listings for value since the markets tend to trend to the decline in value.  This information is in county records (sometimes online now), or ask a real estate agent with access to the multiple listing service. Get the sales prices, terms of sale, description of the property, and other information.

Take your first comparable, write down the selling price, and review the description item by item. Add to the sales price of the comparable for each thing it doesn’t have that your subject home has, and subtract for each thing it has that your subject home does not have. This sounds confusing, but it will make sense once you try it a couple times.

For example, if your home has a second bathroom, and the comparable doesn’t, add the value of the bathroom to the sales price of the comparable. You’ll have to estimate what these things are worth, or ask for professional help.  Sometimes it is just worth paying the price for an appraisal to get it done right, or maybe your local realtor can help.

You are rectifying differences, to see what the comparable home WOULD have sold for if it was just like yours. If a comparable sold for $242,000, with one less bathroom than your home, and a bathroom is worth $15,000 in your area (ask a real estate agent for help with these figures), then you ADD $15,000 for the bathroom it doesn’t have. Subtract, say $5,000, for the paved driveway it does have, that your home doesn’t have. $242,000 plus $15,000, minus $5,000 gives you a comparable sales price of $252,000.

Do these with each comparable, then average the three comparable prices. If, for example, the three comparables now have adjusted sales prices of $252,000, $262,000, and $249,000, add the three figures and divide by three. The indicated value of your home is $254,300. This is about what it should sell for.

Video related to house worth

Lyrics – She was stormin’ through the house that day And I could tell she was leavin And I thought, aw, she’ll be back ‘Til she turned around and pointed at the wall an said That picture from our honeymoon That night in Frisco Bay Just give it away She said, give it away And that big four-poster king-size bed Where all our love was made Just give it away She said, just give it away Just give it away There ain’t nothin’ in this house worth fightin’ over Oh, and we’re both tired of fightin’ anyway So just give it away So I tried to move on But I found that each woman I held Just reminded me of that day Hmmm When that front door swung wide open She flung her diamond ring Said, give it away Just give it away And I said, now, honey, don’t you even want Your half of everything She said, give it away Just give it away Just give it away There ain’t nothin’ in this house worth fightin’ over Oh, and we’re both tired of fightin’ anyway So just give it away [Instrumental interlude] So I’m still right here where she left me Along with all the other things She don’t care about anymore Mmmm, like that picture from our honeymoon That night in Frisco Bay She said, give it away Well, I can’t give it away And that big four-poster king-size bed Where all our love was made She said, give it away Well, I can’t give it away I’ve got a furnished house, a diamond ring And a lonely broken heart Full of love and I can’t even give it away

Frequently question about house worth

About Author

Christine Hynes –
About the Author:

I have an extensive background in Residential and Commercial Lending, and have been a top producer. I handle refinancing, purchase loans, conventional, jumbo, FHA, VA, and USDA in many states.

With the market changes, I began receiving requests for loan modifications for a variety of reasons, job loss, job change, medical conditions, etc. So, I invested time in finding the right help for these requests. I did and continue to research and add Attorneys that have the following qualifications:

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If you have plans of purchasing a home or property, there are certain procedures in real estate that you need to know first and foremost. Home appraisal is one of the initial procedures used in the transaction to ensure the welfare of both home sellers and home buyers. Therefore, before making finalization to your plans, it is best to follow the important standards in order to get the most out of your investment.

What is home appraisal?

Also known as real estate appraisal or property valuation, home appraisal is a practice of making the necessary assessments in order to determine the quality and market value of the property for sale. It is important to note what the qualifications of a certified appraiser are.

Home appraisers are also referred to as valuation surveyors who undergo internship and extensive coursework in order to get the certification imposed by different states for their real estate sector. In the process of home purchase, home appraisers are supposedly third parties who have no financial connection with any of the parties involved in the transaction. Appraisers are highly trained to make accurate and reliable appraisal reports that include the market value of the house based on its structural makeup, possible problems found in its condition and other important features that the appraiser finds in his evaluation.

There is a difference between the work of the home appraiser and inspection which is often mistaken by most home buyers. Basically, home inspectors are professionals you hire to accompany you with the home visit in order to check the condition of the house. Inspectors check certain areas and systems which are potentially problematic and may need immediate repair. They include the plumbing, heating, electrical system and important regions of the house like the kitchen, ceiling, roofs and the like.

Home appraisers on the other hand may include the general issues they may find but do not go through the details which home inspectors do. They give the overall market value and the expected average sales time of the property. Appraisers likewise include assessment as to the appreciative value of the house based on its location.

What are the methods used for appraisal?

So how do appraisers come up with their report in assessing the property’s market value? There are actually two common methods used to appraise properties.

1. Sales comparison approach. This is based on the notion that no two properties are entirely the same. The difference in the market value usually lies with the location of the property. Thus, even if two houses are the same in its structure, the market value is still different based on the kind of venue it is situated. You may find one property is more expensive sine it is located in a place where its appreciative value is more likely to increase while the less costly property is located in a declining or undesirable place.
2. Cost approach. This method is applicable for new properties when appraisers determine the market value based on its repair costs when structures are supposedly replaced or destroyed.

Home appraisal gives you the accurate evaluation of the overall quality and value of the house to know if the asking price is actually accurate or if you are a pending victim of an overpricing fraud.

Watch the video related to home appraisal

A brief description on how to read a general purpose real estate appraisal in Houston and Austin Texas. These appraisals are written on general purpose forms and typically used for non mortgage or financial transactions. Visit us at www.cpappraisals.net for more information.

Help answer the question about home appraisal

is there a way for Canadians to get a free home appraisal?
is there a way for canadians to get a free home appraisal? Are there any online sites where that can be done? Is there a way that exists for it to be done?

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Get to know more about home appraisal tips by checking Phoenix Homes. You may also access Real Estate in Phoenix for other helpful ideas on real estate.

Applying for commercial real estate financing is a big step. It’s not easy to get commercial property loans, especially if you are a first-time borrower. Before you apply, there are some things you should think about in order to be fully prepared.

Commercial real estate financing is different from residential real estate in a big way, according to the lender. With residential real estate, they are looking at how much the property is worth, and not overly concerned with how much it will make in the future. Residential property generally appreciates over time. With commercial real estate, however, they’ll be looking at future profits.

This means that they will be concerned less with the current worth, and more with the possible worth. As a result of this, they will be very concerned with what sort of profits the venture will generate. This is why it is very important for you to sit down and do the math. How much do you think it will make?

This means also that you should be clear on how you will use the property. What kind of business will this be? Is it going to be all for one business, or are you going to rent out units? These will be major considerations for the lender, so make sure you have a detailed plan all set out.

The actual geography of the property will also be a factor in determining whether you get your loan or not. Look at the location of the property and how that will effect the business. You will have more trouble getting financing for a place located way out in the sticks than a place on a highway off-ramp.

The size and type of the property will also be factors. You will want to look at the history of the place and make sure there aren’t any minor details that might cause trouble, like environmental problems.

Risk is the most important consideration to lenders. They will be looking at the future of the venture and, in particular, at possible things that could go wrong with the business.

A big part of this is the condition of the overall market. You can save yourself trouble later with your commercial real estate financing by studying the market and understanding its current trends. This is what your potential lender will be looking at, so it’s good for you to understand it as well. If the future is uncertain for the type of property you are trying to buy, they may be worried about making back the loan.

Before the deal closes, they will send you a “commitment letter.” This is a notification from the lender letting you know officially that you have been approved. More importantly for the lender, the commitment letter will have the terms and conditions of the loan. In other words, these are the rules.

It will tell you details about the closing conditions, rules for what you can and can’t do with the property, as well as a summary of all the terms you agreed on, making it official. Take a good look at this and make sure that it will not prohibit you from doing the things you intended when you requested the financing.

Finding commercial real estate financing is a long and drawn-out process, but if you can consider a few things before you apply, you can save yourself the headache of dealing with something unexpected later.

Watch the video related to real estate financing

An interview with expert Debbie Huber, SRA appraiser from Las Vegas. A discussion of how the current real estate market is effecting appraisals and visa versa. A fast moving discussion with JC Melvin of RealEstateLive.TV. They also speak of the real estate agent and the BPOs lenders are requesting.

Help answer the question about real estate financing

Where should I pursue my career in real estate?
I am graduating from college in about a year. My degree is in Real estate finance. I want to just start off working as a real estate agent, then eventually get my brokers license and start my own business. I live right outside of Birmingham, AL and I want to move away, but I don’t want to be so far to where it’s hard for me to come home and visit my parents. I want to move where real estate is hot and will be for years to come. I was thinking about the Destin, FL area? Anyone have any suggestions of thier own?
I am unsure if I want to do commercial or residential

About Author

Getting a lender to approve your commercial real estate financing can be a difficult process at best. It helps if you are prepared for the questions they will ask and if you know exactly what your business plan is. KISCL can offer you materials to make this task easier. http://www.kiscl.com

Your home might be worth more than you think. Whether you’re happily settled, or getting ready to sell, it never hurts to know how your investment is doing, especially if you’ve lived in your home for a long time. Population increases, new homes or amenities nearby, and economic trends can all impact on property value, and might change how you feel about your investment.

As an expanding industry, property valuation has become very accessible to homeowners who want some quick numbers. There are a variety of new property evaluation services competing to appraise your property first, and many of them are free. As a result, service from traditional home evaluators has also improved dramatically in recent years.

Getting a home value estimate from a professional appraiser is still the most reliable way of checking your home’s value. In the U.S., the quickest and easiest way to find someone for this is through the Appraisal Institutes’s list of Associate Members. The Appraisal Institute is the largest and oldest group of professional real estate appraisers in the world, with more than 22,000 members. Here you’re likely to find one or two home evaluation professionals in your area, no matter how remote it is. A typical fee from an appraisal institute associate can range anywhere from $200 to $500, depending on the size of your property, and number of buildings on it. Outside the U.S., prominent industry groups include the Appraisal Institute of Canada, and the Royal Institution of Chartered Surveyors.

A professional real estate appraiser can typically use three approaches when evaluating your home: the cost approach; the sales comparison approach; and the income approach. The cost approach estimates the value of your property by summing the land and depreciated value of any improvements, while the sales comparison approach examines the price of similar properties in your area, and the income capitalization approach capitalizes an income stream into a present value, for commercial and investment properties.

Many real estate professionals also offer home appraisals, which they commonly referred to as Comparative Market Analysis. This service usually involves the sales comparison approach, and is almost always offered free of charge, since real estate agents see it as a valuable lead generation tool. A real estate agent can also provide a reliable referral to a professional appraiser.

While hiring a traditional appraiser might provide the most accurate estimate of your home’s value, many property owners are taking advantage of free home appraisal services that offer a less accurate figure. The most prominent of these is real estate media source Zillow, which compiles as much information as possible on an area to provide home value estimates.

Knowing your home’s value can help you plan for the future more effectively, and decide whether or not it’s time to sell. With all the property evaluation resources available these days, you can check up on your investment with little stress and effort.

Watch the video related to home appraisal

Why you should get a real estate appraisal as discussed on CNN.

Help answer the question about home appraisal

Where can I get a free appraisal on a mobile home?
Does anyone know where I can obtain a free mobile home appraisal? I’m looking at purchasing a 1993 Liberty and would like to have an idea of its value. NADA charges $30. I’ll use them if I absolutely have to, but if anyone knows a free site, help me out please!

About Author

Twin Cities top urban REALTOR® Andy Asbury knows Minneapolis condos and loves helping clients make intelligent real estate decisions. He represents clients seeking to rent, buy or sell at the Carlyle Minneapolis which has brought New York style luxury to Minneapolis. Come discover it for yourself!

Getting Property Comparisons

The best way to determine the home appraisal value of a property is by using property comparisons (comps). Look at the properties in the same area of the short sale property.

You can get these comps with a little effort. There are a few ways to find market value comparisons for your area:

• Subscription programs (one is Haines, a subscription service on disc)
• Multiple Listing Service (MLS) if you have access
• Network with a realtor who can pull comps for you
• Free comps services on the Internet

It’s not recommended that you use the free market comparison services found on the Internet. These free services are worth about as much as you pay for them. If you have to spend some money getting comps, that’s a good thing. It means that someone is actually doing research behind the website or program.

Finding Home Appraisal Value: An Example

A busy real estate investor may outsource their home appraisal needs to another company or a certified FHA appraiser.

When a deal comes in the real estate investor will email the FHA appraiser, the address and owner’s name. In about 24 to 48 hours the appraiser will send back a limited desktop appraisal with three comparison prices on other similar sold properties and the market value that the appraiser has determined for the property that the company is interested in. The appraisal may also include some additional information and a map.

This appraisal gives an idea of the market value of the property in comparison with other distressed properties in the area. When looking for comps, don’t look for sales of well maintained properties, instead look for comparisons of other properties in foreclosure, REO properties, or corporate-owned properties.

Be Prepared to Pay for it!

Companies spend money getting their comps because they want good, accurate market value comparisons. When you are figuring the budget for your short sale business, remember to allocate some funds to pay a company or a certified FHA appraiser for that home appraisal. It’s well worth it to pay for a home appraisal so that you have accurate comps from third person parties or neutral parties outside of your short sale deal. You present their appraisals as objective evidence to convince the bank to accept your short sale offer.

Factoring in Cost Estimates for Repairs

The physical condition of the property is just as important as comps in a home appraisal. See if there are any repairs to be made on the short sale property. Make notes of what’s wrong, take photos, and get construction estimates for the cost of repairs.

When you do your cost estimates remember that the bank will be making the repairs, not you. Get cost estimates from a general contractor the bank would typically hire.

The best way to get cost estimates for your home appraisal is to hire a certified home inspector. You can look one up in the yellow pages. There’s also an organization called the National Association of Home Inspectors (NAHI). NAHI has high standards and finding a home inspector affiliated with this organization is a good way of making sure you get a thorough inspection.

A typical home inspection can take two and a half to three hours. The inspector gets up on the roof, checks the crawlspace and goes over the home with a fine-toothed comb. On completion of the home inspection the inspector hands over a report that can be 20 pages with detailed information about the property defects. Home inspectors may also takes photos and provide detailed cost estimates.

Paying a home inspector to get cost estimates is a great way to calculate the home appraisal value for your property. You’ll know exactly what’s wrong with that house because you’ve gone to a neutral third party expert.

Getting the Cost Estimates: An Example

Dan Shields is a typical home inspector. He’s a member of NAHI and does all of the home appraisal evaluations and repair estimates for many investors.

Dan states that a home inspector will start an inspection from the outside of the property to get a look at the big picture. He’ll check the roofing, gutters, siding, and windows to make sure they’re properly installed and flashed. He will also check out porches, columns, etc.

From there the home inspector enters the home for the interior survey, to document built-in amenities, appliances, and flooring. He will next go to the mechanical room and check the heating/cooling package and plumbing. Finally, the home inspector will check the attic and find the insulation factor for the short sale property, literally working from the ground up on the home inspection.

A Broker’s Price Opinion Value

When you complete your home appraisal and submit the short sale package to the bank you will be assigned to a specific loss mitigator who will want to determine their own estimate of property value.

The loss mitigator orders the bank’s appraiser to go look at the property and get a broker’s price opinion (BPO) or market value. Sometimes it’s done by a realtor, sometimes an appraiser. It’s your job to be the contact person that the appraiser goes through to get into that property. It’s very important that you meet the appraiser at the property to convince him your home appraisal value is about the same as the BPO value.

When you meet with the bank’s property appraiser let him know the property is in foreclosure and that you’ve been working with the seller to try to do a short sale with the bank. Get that point across immediately.

You don’t want the meeting with the bank’s appraiser to be a confrontation. This is first impression time, so just be yourself and let your personality shine. Shake hands with the property appraiser. Get to know him for the five minutes before you start shoving your material on him.

The whole BPO process will probably take less than 15 minutes. You have 15 minutes to let your personality shine so make it your best effort.

During the BPO

When you go out to these appraisals, take three things; a copy of the Real Estate Purchase Contract with your offer amount, your market value comparisons and a copy of your home inspector’s report

Try to present the material in a conversational tone. Ask if he’d like a copy of the offer you have made on the property and so on. If it’s an appraiser, he will always want a copy. Realtors are a different story—you can never tell what they’re going to take. Just ask and see what he’ll take from you. An appraiser will always take the property inspection report because it’s a good, neutral indication of property damage.

Let the appraiser know that your Purchase Contract has been at least preliminarily accepted by the bank and that’s why he is appraising the market value. You’d be surprised how often the bank’s appraiser doesn’t even realize the property is in foreclosure.

You also want to share comps with the home appraiser. Most of the time, appraisers have pulled comp
s before they go out to the property, so you may be able to share comps to get an idea of the BPO. Make sure the appraiser knows about specific problems with the property such as; mold, termites, or foundational problems that are not readily apparent. This is something the appraiser won’t spot during his 15 minutes with the property.

Once you get these three documents into the hands of the bank’s home appraiser chances are higher that the bank’s BPO comes in close to your home appraisal value. When you get a good home appraisal value and cost estimates on that short sale property. You’ll have armed yourself with the best tools in convincing the bank to accept your low short sale offer.

Pick up more information about real estate shortsaling at Real Estate Investor.com. This is the place to go for the latest real estate news and advice. You’ll find a network of other real estate investors ready to help you out, along with free articles, blogs, contracts and documents for your use.

Appraisals typically cost anywhere from $350 to $400. However, if the house is gigantic, multi-unit or in the boondocks, it could run more. The cost varies on property type, location and square footage.

The most common type of appraisal is the Uniform Residential Appraisal Report (URAR). It consists of interior and exterior photos and sometimes (depending on the age of the home), a complete cost breakdown of the property and comps (comparison sales of homes nearby that meet the proper criteria). These comps help determine the â??marketâ? approach. Each comp sale is adjusted in value when stacked against the home being evaluated (the one youâ??re buying or refinancing). Usually you will see a comp below the value of your home, in line with the value of your home, and a third above the value of your home. Kind of like the three bears. But if the valuation gets tricky, you can see fourth, fifth and sixth comps. The net value of the comps is estimated based upon the approaches used to come up with the appraised value of your property (meaning the appraiser performs some type of calculation thatâ??s kind of like an average, but not necessarily a true average. Confused yet?)

URARs also, typically but not always, reflect a cost approach, which determines what the value would be based upon what is estimated it would cost to rebuild the home, less depreciation. The final estimated value of the home is then determined by using a melding of the market approach described above and cost approach (if applicable).

Lori Babb, Staff Appraiser for Mortgage Investors Group of Knoxville, TN, further explains comparables. â??The best comparables are those similar in size, style (ranch, basement rancher, 2 story, etc.), age, and are close in proximity to the dwelling being appraised,â? she explains. â??Unique properties will typically require more adjustments than the average properties.â?

So, say youâ??re Bill Gates and want to secure a mortgage on a $200,000 home (I know, itâ??s ridiculous, but Iâ??m trying to make a point). Heâ??s got the best credit profile a lender could imagine, yet the house appraises for $175,000. Deal or no deal? You better believe itâ??s no deal. The sales price will have to be lowered, or Mr. Gates will just have to pay cash for his new home (you think he can afford it?). The point is, your average Joe wonâ??t go ahead with the deal without a price adjustment, and he will be obligated to pay for the appraisal regardless of the outcome of value.

Dan Tyrell, principal of Knoxville areaâ??s Tyrell Appraisal Service, Inc., has this comment about value, â??When determining value of a single family house, beauty is more than â??skin deepâ??. Fresh paint, new carpet, new appliances, and nice landscaping all enhance the marketability of a house. Not so obvious items also impact the appraised value of a house. For instance older houses that have replaced plumbing/electrical systems, updated HVAC systems, newer roofs, replacement windows, etc. lower the effective age of the property which in turn increases the appraised value.â?

There are other types of appraisals that are not as common, like an Automated Valuation Model (or AVM). In this case, different factors combine to ensure the value of the home (itâ??s worth $200K, but your loan amount is only $100K) and your unbelievable credit worthiness (800 credit score!), allowing you to skip purchasing a typical appraisal. You may also only be required to get a â??drive byâ? appraisal, where the appraiser just inspects the exterior of the subject for size, looks at the lot and makes you wonder who that person standing by your mailbox is.

Most lenders control what appraiser is used to determine the value of your home. After all, itâ??s their money on the line. The appraisal is such an important factor to the mortgage transaction â?? make sure youâ??re satisfied with the results. Your lender will make sure it is satisfied!