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About Appraisals >Three Caballeros

When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.

Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.

This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.

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Q	What group of settlers introduced the log cabin to the New World?
A	The Swedish settlers of Delaware brought their own timber for building log cabins, a style that originated in Finland.
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Betty Laboska, REALTORŽ, real estate agent and broker for Manalapan, Jackson and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Betty Laboska
Century 21 Mack-Morris Iris Lurie, Inc.
47 Route 9 South; PO BOX 193
Marlboro, NJ 07746
Cell: 732-614-1429
Office: 732-536-2228
Home Office: 732-833-4290
Fax: 732-833-4291
Email: bettylaboska@NUMBER1EXPERT.com
Hi. I am Betty Laboska of Century 21 Mack Morris Iris Lurie. Thanks for stopping by. I am a very successful Realtor who specializes in selling homes in the Monmouth County area. I have had almost $30,000,000 in sales in the past two years. I believe that I stand out among other real estate agents because of my dedication to my clients. I have been told that I possess qualities of honesty and integrity, which, unfortunately, seem to be rare in this industry. My client's are my NUMBER ONE priority. I can be reached by phone from 8 o'clock in the morning until 10 o'clock at night. I have decided to devote this portion of my life to two things.....selling Real Estate and seeing my new grandson Mackey. Once you get to know me, you'll understand why my clients are so comfortable with me. My motto is providing "Service with the Golden Touch." and I strive to do just that every day. If you're looking for someone to help you buy or sell a house, you have come to the right place. Just get comfortable, have a seat and feel free to browse through my site. If you have questions about any properties, whether they are listed with me or not, don't hesitate to call me. I will be here to provide you with the service that you need and deserve.

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NUMBER1EXPERT™ in real estate for Manalapan, Jackson and Freehold, New Jersey, town homes, luxury estates

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