It sounds like there are two issues you are talking about here.
First, what I hear you saying is that Pottawattamie County's assessed valuation of your home is below the market value you have established from an appraisal. This is actually quite common, as these two indications of value are not directly related to each other. An appraiser's opinion of market value estimates what it might sell for. The assessed valuation is determined by the county assessor, and is the value you are taxed on. If you have made improvements (and you took out any required permits!) you will likely immediately improve the market value of the home, but this might not get reflected in the assessed value immediately.
You also seem to be indicating that you have contacted real estate agents who, for whatever reason, have not been interested in listing your home. I, for one, would be delighted to visit your home and then prepare a CMA (comparative market analysis) of your home, including recent sales of similar properties and active listings of similar properties currently on the market. There are any number of qualified and ethical agents in this area that could help you.
More data needed.
There is no way to know what you are talking about.
Are you a buyer wanting to make dirt ball offers on real estate in Council Bluffs?
If so, it is not a competition issue, it may be an exercise of futility issue.
What makes you think you are competing with anyone? I don't think you are even a player at all. There is no likelihood of you being a competitor. I could be wrong. Provide more data.
You make ill formed accusations and nothing of fabric to justify your frustration.
I think you just woke up from that 3 am 'Get Rich Quick investing in Real Estate" late night program and they advised you that agents would 'jump for joy' to submit your dirt ball offers of 40% of just market value. No, it thinks the greed may have been improperly assigned.
Provide more date. Real data. Real stuff, then a conversation can be engaged.
What are you trying to do?
How are you analyzing the data?
Who has control of the money?
Are you intending to BUY?... more
You are required to have at least 3.5% of the purchase price in your account in order to qualify. The bank does have to confirm that you have the 3.5% in cash available, but your bottom line to bring to the table will not be the full 3.5%. Because of the tax proration on the closing statement, you will receive a credit from the seller for a full year of taxes, so your cash at closing amount will not be the full 3.5%. Any amounts that you prepay, such as the home inspection or loan application fee, will be credited against the amount due at closing. Most lenders and insurance companies in this area allow the homeowners insurance premium to be paid on the closing statement.
Please consult a local real estate professional to make sure you get the best advice. I'll be happy to help you.... more