State College, Bellefonte and Centre County Pennsylvania real estate listings, home buying, selling and relocation information

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About Appraisals >Working With Appraisers

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.

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Q	What document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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Linda & Ryan Lowe - Discover the Team Advantage, REALTOR®, real estate agent and broker for State College, Bellefonte and Centre County Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Linda & Ryan Lowe
RE/MAX Centre Realty
1375 Martin Street
State College, PA. 16803
800-860-6226 ext. 305/352
814-231-8200 ext. 305/352
Fax: 814-861-4615
Email: lindalowe@aol.com
ryanslowe@yahoo.com
Since Linda started selling real estate in 1988 she & her team have sold over 4000 properties and have given our buyers & sellers NUMBER ONE SERVICE!! This kind of experience cannot be found in books or classrooms. It comes only from meeting the needs and fulfilling the demands of hundreds of clients. Linda Lowe knows the techniques and methods that get results. She is continually looking for ways to increase her knowledge and better serve you. Linda's clients enjoy the benefits of a service-centered philosophy that puts top priority on meticulous attention to every detail. Combined with Linda Lowe's Team, you are assured a fast response to every question and concern and a smooth hassle-free transaction. License# RS167590L

www.LindaLowe.com is brought to you by Linda & Ryan Lowe - Discover the Team Advantage
NUMBER1EXPERT™ in real estate for State College, Bellefonte and Centre County, Pennsylvania

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