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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. See All Tips In The "About Appraisals" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is the average age range of a second-home buyer in the United States? A  Currently, second-home buyers in America are most often between 41 and 44 years of age. See More Real Estate Trivia >

Hickory and Donna Delegal of the Delegal Group Oceanside Real Estate 424 East Monroe St. Jacksonville, FL 32202 904-732-7225 Donna Delegal: startpacking@comcast.net Hickory Delegal: h.delegal@comcast.net Hickory and Donna Delegal are experienced real estate agents who are committed to serving your needs. Whether you are looking for a new home, relocating to this area, or need to sell your home -- we are the ones to see! Call us today! (904)732-PACK (904-732-7225) www.StartPackingJax.com is brought to you by Delegal Group, real estate for Jacksonville, Clay County and St. Johns County, Florida Read Delegal Group's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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