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WHY ARE WE TOP AGENTS FOR BUYERS AND SELLERS IN THE BRENTWOOD, FRANKLIN, NASHVILLE TN AREA? WE TAKE GREAT CARE OF OUR CUSTOMERS! CALL 615-351-1202.
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SPECIAL OFFER FOR HOME BUYERS! Allow Me to be Your Exclusive Buyers' Agent For The Home You Purchase, and We Will Reimburse You For the Following Costs. Find Out More > View All Offers >
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How Much Can You Afford?: Calculate how much home you can
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Determine Tax Savings: Calculate how much your monthly
Brentwood, Franklin and Williamson County Tennessee mortgage payments save you on your taxes
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Should You Rent or Buy?: Is it better to rent a home in
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Adjustable Rate Mortgages: Adjustable rate Brentwood, Franklin and Williamson County mortgages information and interest rate java
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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Real Estate Tips: Suzette Johnson and The Johnson Team's realty library of real estate
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Real Estate Dictionary: Complete real estate dictionary
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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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What is a "smart home"?
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A "smart home" is equipped with structured home wiring packages that control the home's systems via networked technologies. |
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