One of the largest assets to consider in a divorce is the house, typically owned jointly by the couple. An appraisal can help to determine the Fair Market Value (FMV) of the home for equitable distribution purposes, especially if one person wants to keep the home. An appraisal offers a guide to what sales price the home is most likely to draw on the open market. This is crucial if one party to the divorce is pursuing a buy-out of the spouse’s interest.
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I had a loan officer ask me this week “how does a borrower check the status on her MIP refund?” I informed the loan that HUD no longer automatically issues a refund check to borrowers whose FHA loans are paid off with non-FHA refinances. I was actually quite surprised the loan officer wasn’t aware that HUD’s prior stance regarding MIP refunds had gone by the wayside years ago.
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4. What will you see in a real estate appraisal? Gold & Diamond Center will provide you with accurate appraisal reports based on current market values so you can obtain adequate insurance coverage. You may also want to determine the value or authenticity of your jewelry for estate and tax purposes, divorce settlements, donations and loans.
I agree that there can be variances for a reason. For example, I am working on a transaction right now, where my buyers are purchasing a conventional sale. The sellers are likely contributing a couple of thousand dollars by providing needed roof repairs in order to get a two year roof certification. However, that is only a couple of thousand dollars, not tens of thousands so it doesn’t explain the price difference completely. There is also a premium for avoiding the headache of short sales and some REOs. For example, a HUD home we are in contract on right now started spurting water in every direction when we had the water turned on for inspections. The seller, being HUD, won’t pay for any repairs, so it’s up to the buyer to get it fixed if he wants the lender to make a loan on that home. It’s a real hassle.
Walkability is also a big value driver. If your city invests in sidewalks and zoning that allows for shopping and grocery stores near homes, you can see a significant lift in your home’s value. Houses that have above average city walkability can command between $4,000 and $34,000 more home valueiii than homes with average levels of city walkability.
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Application Forms Insurable value – is the value of real property covered by an insurance policy. Generally, it does not include the site value.
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What Does the HESI A2 Nursing Exam Consist of? Start analyzing real estate properties, we do the math for you. I would like to be contacted by a HomeValue partner for refinance rates.
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All licensing services and requests must be submitted online at www.dcopla.org/appraisal. Paper service requests will no longer be accepted. You may call a customer service representative at 866-270-9817 with application questions or for further submission instructions.
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