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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  Exactly how many islands are included in the group called the 1000 Islands? A  There are actually 1,864 islands in the 80-mile stretch in the St. Lawrence River, between Ontario, Canada and New York State. See More Real Estate Trivia >

Bev Young RE/MAX DFW Associates 500 S. Denton Tap, Suite 110 Coppell, Tx. 75019 Office: 972-393-9625 Fax: 877-849-5874 817-849-8630 BevYoung@NUMBER1EXPERT.com Buying or Selling a Home is One of Biggest Events in Your Life! It is My Goal to Bring the Highest Level of Professionalism and Industry Knowledge to Bear in This Process to Achieve The Best Possible Results for My Clients. www.BevYoungandAssociates.com is brought to you by Bev Young NUMBER1EXPERT™ in real estate for Plano, Allen, Tarrant County and Mid-Cities, Texas Read Bev Young's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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