i am looking to refi, and want to change a full bath to a 3/4(no tub) for spaciousness. Will it affect appraisal?

Asked by Sillylilbear, Canton, TX Thu Oct 6, 2011

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Michael Murd…, Agent, CANTON, TX
Mon Oct 31, 2011
Most appraisers take into consideration the number of baths. The 3/4 bath as opposed to a full bath can hurt or help your value. Any update should help. You might consider a 203K refi so you would have not only a lower interest rate but the additional funds to do the remodel.
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The Stephen…, Agent, Portland, OR
Thu Oct 6, 2011
Yes, most appraisers count the number of bathrooms (half or full) and assign a value respectively.
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Edith Karoli…, Agent, Winnetka, IL
Thu Oct 6, 2011
Hi, not really knowing the dimensions of your home, and your bath in question it is hard what to recommend....
On the other hand for the refi, why not refi and then decide on your remodel, especially if you intend to stay in your home for a while, then remodel the bathroom to your best liking and use and enjoy it....
Hope this helps you make your decision.

Edith YourChicagoConnection
Working always in the very BEST interest of her clients
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Don Groff, Agent, Austin, TX
Thu Oct 6, 2011
It would effect the value but only by a small amount... I would estimate less than $1000. It's hard to say exactly as it also depends on your home. While the value may be small if you can dramatically improve the usability of the new bath that will help the value. Another factor is how many other full baths does the house have? As long as there are other options for guests and family members it should not be an issue.

I would refinance now as rates are hitting record lows again as I am writing this answer. While rates have been well below 4% for a broker like myself for sometime even the retail banks are now seeing sub 4% 30 year rates.

I would recommend going ahead with the refinance and then complete your remodel.

Best of luck to you.

Don Groff
REALTOR® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
o.512.669.5599 m.512.633.4157
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Gregorio Den…, , San Diego, CA
Thu Oct 6, 2011
If it's unfinished at the time of the appraisal, you most likely will not be able to refinance. You need to do it before or after, but not during.
Web Reference:  http://WeFixRates.Com
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Julie Thornt…, , Canton, TX
Thu Oct 6, 2011
As long as it has a shower in place of the tub shower combo you should be about the same. You might even get a higher appraisal due to it being recently remodeled.

Hope this helps!
Web Reference:  http://www.JulieFranklin.net
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Tommy Burris, Mortgage Broker Or Lender, Baton Rouge, LA
Thu Oct 6, 2011
Hard to answer.....
Basically, it 'could' change which homes yours is compared to for valuation purposes.

Can you do the refi BEFORE you do the remodel?

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
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Scott Godzyk, Agent, Manchester, NH
Thu Oct 6, 2011
As long as there is another full bath with a tub, it will only slightly decrease the value. if there is not enough bath with a tub, it could affect your value in a larger way
Web Reference:  http://www.ScottSellsNH.com
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