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The following article was published in our article directory on March 1, 2013.
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What You Need to Know in Home Appraisal

Article Category: Real Estate

Author Name: Mariana

Home appraisal is the process of determining the actual value of a property. It is needed when a property, for example a house or a piece of land, will be subject to a sale or to a settlement of community of property between a couple undergoing or who has undergone divorce.

Normally the people who want to have a home appraisal done on a certain house are those who want to buy the property. Here is a common scenario where a person ends up having a property appraised.

A newly-wed couple is in the market for a house. Before looking for a prospect, they were wise enough to go to the bank and get approval for a house loan. By the time they search the market, they are already aware of what their budget is for the house. Thus, they know exactly what is within their buying reach, and what is not.

They were granted by the bank a housing loan of $400,000. And fortunate enough, they were able to find them a house for sale in a great location worth exactly that amount. The place is actually great. But they were not sure if it is indeed worth that much. Thus, they hire someone who does home appraisal to get the actual market value of the house. After the appraisal, they were told that the actual value of the house is only $300,000.

Because of the appraisal done, the actual value of the house was revealed. Thus, the home owners had no other choice but to sell their house at that amount. That's $100,000 worth of savings for the newly wed.

Divorce is also another common reason for hiring the service of a person or a company accredited to do a home appraisal. There are two options that a divorcing couple may resort to when they have a house which should be subjected to division after the divorce is final.

The couple may opt that the house be sold and the proceeds be divided between them. They may also choose that one buys out the other by paying half of the value of the house to the other spouse. In either case, it is inevitable to commission an accredited appraiser of properties.

When choosing a company or person to do the appraisal, it is imperative that one looks into the accreditation and experience of such person or company. The accreditation is awarded by the state. And the first thing that one should do is to ask whether the person he is hiring is duly accredited or not.

The competence of an appraiser is based on the knowledge he has and the years of experience he accumulated in the industry. Home appraisal and other kinds of appraisal calls for a very technical knowledge and skills. Before hiring, one should make sure the appraiser has these qualifications.

Keywords: home appraisal,house appraisal,nj property appraiser,divorce appraisal,property values,licensed appraisers ,property tax appraiser new jersey new jersey

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