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Appraising Home Purchase Appraisals
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Book Synopsis Appraising Home Purchase Appraisals by : Paul S. Calem
Download or read book Appraising Home Purchase Appraisals written by Paul S. Calem and published by . This book was released on 2017 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Home appraisals are produced for millions of residential mortgage transactions each year, but appraised values are rarely below the purchase contract price. We argue that institutional features of home mortgage lending cause much of the information in appraisals to be lost: some 30 percent of recent appraisals are exactly at the home price (with less than 10 percent below it). We lay out a novel, basic theoretical framework to explain how lenders' and appraisers' incentives lead to information loss in appraisals (that is, appraisals set equal to the contract price). Such information loss is more common at loan-to-value boundaries where mortgage insurance rates increase and appears to be associated with a higher incidence of mortgage default, after controlling for pertinent borrower and loan-level characteristics. Appraisals do, in some cases, improve default risk measurement, but they are less informative than automated valuation models. An important benefit of appraisals reported below the contract price is that they help borrowers renegotiate prices with sellers.
Book Synopsis Residential Appraisals: Opportunities to Enhance Oversight of an Evolving Industry by : William B. Shear
Download or read book Residential Appraisals: Opportunities to Enhance Oversight of an Evolving Industry written by William B. Shear and published by DIANE Publishing. This book was released on 2011 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Real estate valuations, which encompass appraisals and other estimation methods, have come under increased scrutiny in the wake of the recent mortgage crisis. The Dodd- Frank Wall Street Reform and Consumer Protection Act mandated this study of the various valuation methods and the options available for selecting appraisers, as well as the Home Valuation Code of Conduct, which established appraiser independence requirements for mortgages sold to Fannie Mae and Freddie Mac. This report examined: (1) the use of different valuation methods; (2) factors affecting consumer costs for appraisals and appraisal disclosure requirements; and (3) conflict-of-interest and appraiser selection policies and views on their impact. A print on demand report.
Book Synopsis Low Appraisals - the New Real Estate Crisis by : Hamp Thomas
Download or read book Low Appraisals - the New Real Estate Crisis written by Hamp Thomas and published by Hamp Thomas. This book was released on 2012-04-20 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn the art of taking a low appraisal and turning it into a closed sale. The rules of appraisal and underwriting have changed and today's broker must understand how to "act" and not "react" to the news of a low appraisal. Discover the steps necessary to keep low appraisals from killing sales.
Book Synopsis Fundamentals of Real Estate Appraisal by : William L. Ventolo
Download or read book Fundamentals of Real Estate Appraisal written by William L. Ventolo and published by Dearborn Real Estate. This book was released on 2001 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fundamentals of Real Estate Appraisal, 8th Edition contains all the tools you need to understand today's ever-changing appraisal marketplace. The book includes: An Internet Appendix containing Web site addresses useful for all appraisers; Free Appraise-It software for hands- on practice filling out electronic appraisal forms; and over 65 exercises and 15 Achievement exams to test your appraisal knowledge. Pass your exam the first time with this study guide designed specifically for the appraisal licensing exam.
Book Synopsis Appraising the Appraisal: The Art of Appraisal Review by : Richard C. Sorenson
Download or read book Appraising the Appraisal: The Art of Appraisal Review written by Richard C. Sorenson and published by Appraisal Institute. This book was released on 2010 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Appraising Residential Properties by : Appraisal Institute (U.S.)
Download or read book Appraising Residential Properties written by Appraisal Institute (U.S.) and published by Taylor & Francis. This book was released on 1994 with total page 590 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive handbook on residential valuation which includes coverage of recently revised professional standards, descriptions of current reporting formats, current definitions for industry-specific terms, and more.
Book Synopsis How to Get Started in the Real Estate Appraisal Business by : Dan Nahorney
Download or read book How to Get Started in the Real Estate Appraisal Business written by Dan Nahorney and published by McGraw Hill Professional. This book was released on 2006-03-31 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: Your step-by-step guide success as a real estate appraiser Real estate appraisers are in high demand and top earners can make a bundle. Whether you seek a full-time profession or a flexible part-time job,How to Get Started in the Real Estate Appraisal Business provides all the inside information to start making money, now. Add value to your career as you: Prepare for the tests and get licensed Find a mentor to help you get on your feet Choose between residential and commercial appraising Drum up business with proven networking and marketing techniques Make top dollar as an analyst Acquire the continuing education you need for long-term success Choose between residential and commercial appraising This handy guide also includes a glossary of vital terms, sample appraisal forms, and coverage of important licensing and legal regulations. Full of actionable advice, step-by-step guidance, and real-world insight, How to Get Started in the Real Estate Appraisal Business gets into the business-and heading to the top.
Book Synopsis Real Estate Appraisal Death of an Industry by : Hamp Thomas
Download or read book Real Estate Appraisal Death of an Industry written by Hamp Thomas and published by Hamp Thomas. This book was released on 2012-03-27 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: Like no event in history, the real estate appraisal industry has been slandered, steered, and stomped into submission. Charged and convicted of a crime they did not commit. Big banking is leading a new revolution, taking real estate appraisers out of the mortgage lending process. Enter computerized home valuation services, being promoted as the "technology-based" saviors to the home buying public. The greatest sales job ever, sold to a real estate weary public who just wants to know they are paying a fair price. Discover the misinformation that is killing an entire industry that consumers need now more than ever before. Caveat Emptor!
Book Synopsis Your Real Estate Appraisal by : Adrian Watts
Download or read book Your Real Estate Appraisal written by Adrian Watts and published by Your Real Estate Appraisal. This book was released on 2017-12-04 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: Notes for the Homeowner. What is an appraisal? Understanding an appraisal. Common Appraisal Mistakes. Analyzing Markets and What is a Neighborhood? Competing Markets, Market Area, Competing Markets, Market Stabilization, Increasing and Declining Markets, Market Conditions Report and Neighborhood Analysis Comparable Selection. How is an Adjustment Calculated? How a Reconciliation Reads? Quality of Data and How it affects Real Estate Appraisals? Rebuttals and Creating One. Unacceptable Appraisal Practice, Appraisal Review. Things That May Kill the Deal. Real Estate Investment and Things to Avoid. Buying a "Rehabbed" Property. Sales via For Sale by Owner, Advice for the First Time Homebuyer. Your Appraiser, Inspection Issues and FHA Inspections. Drive by Appraisals, USDA, Your Appraiser and Home Inspectors. Who is Managing the Appraisal Process? This text discusses the appraisal process and all its facets as they relate to the mortgage industry at large. A borrower applying for a loan should know how this may affect them. Most would agree it is better to know beforehand if there is going to be problem, or at least understand what the reasons are when one arises. Most of us will encounter the work of a real estate appraiser at some point in our lives. The result could be completely uneventful, but problems may arise. What happens if the property's appraised value is lower than expected? Several things could happen. In some cases, a buyer will have to renegotiate the contract. If a homeowner has applied to refinance their property, they may move forward but with a higher interest rate and may have to pay PMI (Private Mortgage Insurance). In other situations, the loan may be denied due to insufficient collateral, since the appraised value was lower than expected. The appraisal process is complicated, certainly expensive, and sadly sometimes leads to no result. The industry is not perfect, and the appraiser has limitations on what they can or cannot do. Some limitations may cause borrowers to be frustrated. Market practices, a lack of data to support any other adjustment and restrictive Lender guidelines are common irritations. Then again in some cases, we do make mistakes, and it would be helpful for the borrower to identify them and have options to find a resolution. The average reader should be able to understand an appraisal report, at least to the point where it makes sense. This text endeavors to help in that process, yet in no way pretends to be complete due to the complex nature of the industry and appraisal practices, nonetheless most topics are discussed in depth.
Book Synopsis Real Estate Appraisal by : Walter Roy Huber
Download or read book Real Estate Appraisal written by Walter Roy Huber and published by . This book was released on 2001 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Dictionary of Real Estate Appraisal by :
Download or read book The Dictionary of Real Estate Appraisal written by and published by . This book was released on 2002 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt: This reference book defines hundreds of terms related to buildings, properties, markets, regulations, and appraisal. Specialized sections cover property types, business valuation, international valuation, real estate organizations and professional designations, legal and regulatory aspects, uniform standards, information technology, measures and conversions, and architecture and construction. The architecture and construction section is heavily illustrated with black-and-white photographs and diagrams. Annotation copyrighted by Book News, Inc., Portland, OR.
Book Synopsis The Appraisal of Real Estate by : American Institute of Real Estate Appraisers
Download or read book The Appraisal of Real Estate written by American Institute of Real Estate Appraisers and published by . This book was released on 1964 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Encyclopedia of Real Estate Appraising by : Edith Judith Friedman
Download or read book Encyclopedia of Real Estate Appraising written by Edith Judith Friedman and published by . This book was released on 1968 with total page 1192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Appraising Residential Properties by :
Download or read book Appraising Residential Properties written by and published by . This book was released on 1988 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Student Handbook to the Appraisal of Real Estate by : Mark Rattermann
Download or read book The Student Handbook to the Appraisal of Real Estate written by Mark Rattermann and published by . This book was released on 2009 with total page 456 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Real Estate Appraisal-- an "orderly Process" by : Walter Roy Huber
Download or read book Real Estate Appraisal-- an "orderly Process" written by Walter Roy Huber and published by . This book was released on 2004 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Appraisal of Real Estate by : Appraisal Institute (U.S.)
Download or read book The Appraisal of Real Estate written by Appraisal Institute (U.S.) and published by . This book was released on 1996 with total page 842 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 12th edition of this textbook has been revised and reorganized significantly for greater clarity, coherence and consistency. Coverage includes emerging issues such as the impact of automated valuation models on the appraisal industry; the new emphasis on extraordinary assumptions and hypothetical conditions in recent revisions of standards of professional practice; and important data sources. For both novice appraisers and established practitioners. c. Book News Inc.
