i am inerested in 2 homes, but i need the appraisal for each home for 2012 and 2013. Both of the homes are in the seabrook texas

Asked by Jennifer Chandler, Seabrook, TX Mon Feb 11, 2013

area. I want one or the other, can you direct me where to find out how i can find it? thanks

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Trevor Curran, Mortgage Broker Or Lender, Great Neck, NY
Mon Feb 11, 2013
Good afternoon Julissa,

What you're seeking is the "inside track" to a home's value. I'd recommend a different approach to buying your home, one where you decide what any home is worth to you as a Purchase. That decision-making process begins with your mortgage prequalification and your Offer. It's difficult deciding what is a good offer to make when you find a house you like.

Before you make offers, you have to know your maximum financing amount/purchase price.

First things first: when making an offer, focus on what your monthly payment will be for the mortgage financing, including taxes and insurance. If that payment is within your means, then your Mortgage Banker will determine the maximum loan/purchase price for you based on all the factors of the monthly payment, your down payment and your mortgage qualifications.

Begin making an offer with the following standards:

1. WISH LIST. Does the home meet MOST of the requirements from your Dream-Home-Wish-List? The Dream Home exists only in our minds; it's NOT out there waiting for you to stumble across it one Saturday afternoon. But you can find the right home using your Wish List. When you find the home that meets most of your requirements from the wish list, then it's time to make an offer.

2. FORGET LIST PRICE. Based on your own research, shopping in your chosen area, select the price you're most comfortable with, regardless of list price/asking price. In other words, you'll find a home listed at $268,000, but you've seen at least a dozen other similarly constructed homes in the immediate area priced or sold at $235,000. What makes this home so special that it's priced $33,000 more than the average price? Remember, your Lender will appraise the home based on similar homes and those prices.

3. MAXIMUM OFFER. Never exceed the price based on your mortgage qualifications, no matter how much you LOVE the home. You have to be able to afford the payment for the next thirty years. That in-ground swimming pool you love isn't going to pay the mortgage for you!

4. OFFERS ARE NOT PERSONAL. An offering price can NEVER be misconstrued as an insult to the homeowner. This is business; you're not going to hurt anyone's feelings! Make the offer based on a price you're most comfortable with!

5. OPENING OFFER. NEVER open with your maximum offering price. Test the waters with your opening bid: you want to see if this Seller is a SERIOUS Seller who understands this is a BUYER'S MARKET. If there's no reaction to your offer---assuming the price you offered is within the reasonable range of current market prices---you may be wasting your time with this home/Seller. It might be time to move on to another home.

See my "Five Steps To Making An Offer" for the best way to negotiate on your home purchase.

Trevor Curran
NMLS #40140
1 vote
Barbara Coker, Mortgage Broker Or Lender, San Antonio, TX
Mon Feb 11, 2013
Nicole is correct. Taxable value is not necessarily the current "resale" value. A Realtor can show you a market analysis on a home, and even that is approximate. The condition of a property, and even the surrounding area might not be revealed in that CMA. Working with an experienced Realtor in your area is the best way to start your investigation.

Good luck!
Barbara Coker
Licensed Mortgage Loan Officer
100% Home Loans All Over Texas!
1 vote
Nicole Goodf…, Agent, Deer Park, CA
Mon Feb 11, 2013
Realtors can perform a market analysis for you to tell you what the approximate fair market value is. There are not any public appraisals on record. The county will assess a value through hcad.org, but it is not a fair market value only a taxable value.

I would be more than happy to assist you by doing a market analysis if you do not already have a Realtor you are working with.

You can email me at nicolegoodfriend@remax.net or my cell phone number is 713-480-3165.
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