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Culture: Lincoln Park, Rogers Park and Evanston Illinois home buying, real estate listings, and homes for sale in Cook County, IL

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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 information does nearly every state in America require the seller of a home to reveal to the buyer?
A	Most states require disclosure of any existing problems or conditions that could affect the value of the house.
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Ray Miller, REALTORŽ, real estate agent and broker for Lincoln Park, Rogers Park and Evanston Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Ray Miller
Rubloff Residential Properties
1620 Sherman Avenue
Evanston, Illinois 60201
Phone: 773-330-1519
Fax: 773-262-1810
Email: RayMiller@RayMillerRealEstate.com
Email: RayMillerRealty@aol.com
Superior attention to detail and outstanding personal service for all your Real Estate needs. As a Real Estate Broker for over 15 years, Ray understands that his success comes from putting the needs of his client first and effectively marketing properties. Ray is one of the top brokers in the Keller Williams Mid-America Region and the top broker at the Keller Williams Lincoln Park office in Chicago. While specializing in listing and selling single-family homes and condominiums, Ray's expertise also includes commercial/industrial and multiunit properties. Ray excels at: ˇ Assisting seasoned and first time homebuyers achieve their dreams of finding the perfect home. ˇ Working with sellers in marketing their property in order to sell in the appropriate time frame for the highest dollar value. ˇ Searching with investors and locating the ideal property for their needs. With a background that includes retail management and sales training on a national level, Ray is able to prepare buying strategies and implement marketing plans for your property that deliver results. Ray teaches property marketing techniques to colleges in his office and is a mentor to many. Buying or selling, Ray can guide and educate you through each transaction. It is through this type of personally tailored service that Ray has exceeded his clients expectations.

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