了解评估的基础知识

邻里

房屋评估是抵押贷款进程的一步,当一个无偏的国家许可的专业决定一个家庭时’S值基于大小,条件,功能和家庭的质量。为此,评估师必须首先检查房产。然后,通过研究该地区内的类似房屋并比较最近的住宅销售,评估师将展示其所有支持数据和研究的“价值观”,曾经结论。

评估过程很重要,因为抵押贷款贷款人需要评估,然后他们提供贷款。这是因为财产的价值可能会确定贷方将贷款多少。贷方希望确保房主不会借用,因为家庭担任抵押贷款的抵押品。因此,如果借款人在抵押贷款上违约并进入抵押品赎回权,则贷款人将能够通过销售房子来返回他们借出的金钱。

如果你’re a buyer, a home appraisal also can function as protection for the client too. If an appraisal comes in higher than the price being paid for the residence, than the borrower will have more home equity than initially expected. Also, an appraisal can help protect a client in keeping them from overpaying for a home, if the appraisal comes in lower than the asking price.

如果你’re a seller, you want your home to be appraised for the amount you’ve listed it for.  In order for that to happen there are a few things you can do to impact that number. Clean, updated, well-maintained houses tend to receive higher appraisals. Make sure things like the home’s exterior and curb appeal is one that is eye catching, holes in the drywall are patched, and rug stains are cleaned can help. It’s also a good idea to provide your appraiser with a list of recent list of improvement you’ve made to the home as well as a list of attractive aspects about your neighborhood. Be sure to mention items like grocery stores, parks, and neighboring schools.

如果你 are unhappy with the appraisal, sometimes there is an option to appeal called “Reconsiderations of Value.” So, if there were enhancements made your home or recent comparable residential sales that happened the neighborhood to which wasn’t considered in the initial appraisal, it’s important to provide this information to your lender. Also, getting a second appraisal is always available to the buyer as well. Lastly, it’s important to add that an appraisal that was conducted beyond six month prior will likely be considered out of date by a lender.

为什么你应该考虑获得贷款资格预审

如果你’随着购买房屋的想法,它通常是为了获得预先获得抵押贷款的最佳兴趣。与贷方合作看看您是否有资格获得抵押贷款可以是一个很好的第一步,估计您可以借入的金额,以及您在家中可以负担的价格范围。从贷方中获取估计并不绑定,并不意味着您必须使用它们来表示表示。如果您对您收到的报价不满意,请’鼓励再次进入另一个银行并在您对您的了解最佳选择之前搬到另一个银行和店铺。获得估计通常是免费的,并将帮助您的房地产经纪人和贷方更好地了解您的家庭搜索的良好起点。 灯塔山家

什么用于确定您的抵押贷款预资格资格?您的财务状况,包括您的资产,收入信用报告等,都将用于评估您的费率。在您踏上家庭搜索之前,您的预先资格化是伟大的,如西雅图’S,因为这将为您提供一个申请人的头部,并证明您是一个严肃的买家。如果您有兴趣搜索住宅的住宅区,请立即联系当地的房地产经纪人。