Marathon, Duck Key, Key Colony Beach and Islamorada Florida real estate listings, home buying, selling and relocation information

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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.

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Q	What is the fastest-growing state in the U.S.?
A	Nevada, for the 19th consecutive year, according to 2005 Census Bureau statistics.
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Florida Keys Law
Practice Areas:Family Law; Trial Practice; General Law; Land Use Law; Real Property; Wills; Probate; Estate Litigation.
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Lela Ashkarian, REALTOR®, real estate agent and broker for Marathon, Duck Key, Key Colony Beach and Islamorada Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

'Lela' Ashkarian P.A. CRS, e-PRO. GRI
Coldwell Banker Schmitt Real Estate
11050 Overseas Highway
Marathon, FL. 33050
Direct: 305-395-0814
Mobile: 305-395-0814
Toll Free: 800-366-5181 ext 6492
eFax: 305-946-7771
Voice Mail: 800-366-5181 ext 6492
Email: lela@coldwellbanker.com
Email: lelasells@bellsouth.net
email: 395.0814@305.ac
My purpose is to help buyers and sellers Making Their Dream a Reality! To Live and Work in a prosperous environment in The Heart of Florida Keys and Key West that encourages productivity, to that we may improve the service we render to our family, friends, company, our community, our nation and, ultimately, the World. By The Way! Why is that immigrants to the United States succeed and become self-made millionaires at four times the rate of native-born Americans on a per-capita basis? and the simplest reason of all, aside from the fact that they had to have more ambition to leave their home to come here, is that they come here with a blank slate...is they come here, and they say, "Now, I'm starting all over from nothing." Many of them come here penniless, with no friends, no contacts, no ability to speak English. They have no education. They have no background. they start with nothing but a blank slate. and what they do is they say, "Now, I'm in the land of dreams. What is my dream?" (Brian Tracy). Does this resonate with you? it does with me! Now what is your dream? Thank You. Lela p.s. People don't mind trading information for good value. Please feel free to leave your email and phone number where I can communicate with you effectively.

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