Appraisers

Articles Post articles View all articles Print this page  1 Search Articles Search by keyword or click on a category below All Topics Other Topic: Other Real Estate Appraisal Service 2/24/2014 Here are some benefits of hiring real estate appraisal service. ... What are the various types and advantages of a reverse mortgage? 7/9/2010 If you're of 62 years of age or older and require money to pay for your medical expenses, make home improvements or for any other purpose, ... Brokers and client's interests 9/7/2007 As of 2007, in the United States the federal law and most state laws do not assign a fiduciary duty on mortgage brokers to act in best interests of their customers. ... Mortgage brokerage in the USA 9/7/2007 According to a 2004 study by Wholesale Access Mortgage Research & Consulting, Inc., there are approximately 53,000 mortgage brokerage companies that employ an estimated 418,700 employees and originate more than 50% of all residential loans in the U.S.. ... Credit score 9/7/2007 A credit score is a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts. ... Commercial lender (US) 9/7/2007 In the U.S. a commercial lender offers loans backed by hard collateral. In most cases this is real estate, but it can also include factoring, non-conforming assets, or other sources of collateral. ... Mortgage lending: United States 9/7/2007 In the U.S., the process by which a mortgage is secured by a borrower is called origination. This involves the borrower submitting an application and documentation related to his/her financial history and/or credit history to the underwriter. ... Mortgage loan basics 9/7/2007 Mortgage loans are generally structured as long-term loans, the periodic payments for which are similar to an annuity and calculated according to the time value of money formulae. The most basic arrangement would require a fixed monthly payment over a period of ten to thirty years, depending on local conditions. ... Mortgage loan 9/7/2007 According to Anglo-American property law a mortgage occurs when an owner (usually of a fee simple interest in realty) pledges his interest as security or collateral for a loan. ... Identifying the housing bubble 9/7/2007 Any type of economic bubble is difficult to identify except in hindsight, after the crash, although many economic and cultural factors have led several economists to argue that a housing bubble exists in the U.S. ... Housing ownership and rent measures 9/7/2007 The ownership ratio is the proportion of households who own their homes as opposed to renting. It tends to rise steadily with incomes. Also, governments often enact measures such as tax cuts or subsidized financing to encourage and facilitate home ownership. ... Housing debt measures 9/7/2007 The housing debt to income ratio or debt-service ratio is the ratio of mortgage payments to disposable income ... Housing affordability measures 9/7/2007 The price to income ratio is the basic affordability measure for housing in a given area. ... Real estate bubble 9/7/2007 A real estate bubble or property bubble (or housing bubble for residential markets) is a type of economic bubble that occurs periodically in local or global real estate markets. ... Arguments/background for and against 9/7/2007 In the United Kingdom, LVT was an important part of the platform of the British Liberal Party during the early part of the twentieth century - David Lloyd George and H. H. Asquith proposed "to free the land that from this very hour is shackled with the chains of feudalism". ... Implementation 9/7/2007 In reality, every jurisdiction that has a real estate property tax has a land value tax, because part of the ad valorem basis for real estate is, in fact, the locational or land value in addition to the improvement value. ... Land value tax 9/7/2007 Land value taxation (LVT), or site value taxation, is a tax that charges landholders a portion of the unimproved value of a site or parcel of land. ... Development case study: New Orleans 9/7/2007 New Orleans was sensitive to property taxes. To make the job of the assessors easier, the assessors adopted a rule that said that property taxes were proportional to the front footage of the lot, that is, the length of the lot along its street. ... Effects. 9/7/2007 The market value of undeveloped real estate reflects a property's current use as well as its development potential. As a city expands, relatively cheap and undeveloped lands (such as farms, ranches, private conservation parks, etc.) increase in value as neighboring areas are developed into retail, industrial, or residential units. ... Countries 9/7/2007 There is currently no ad valorem tax on residential property. Two former systems were dropped because of their extreme unpopularity. ... Property tax 9/7/2007 Property tax, millage tax is an ad valorem tax that an owner of real estate or other property pays on the value of the property being taxed ... Details explained on the contract. 9/6/2007 In many countries, real estate contracts must be in writing to be enforceable. In the United States the Statute of Frauds require real estate contracts to be in writing to be enforceable. ... Real estate contract 9/6/2007 real estate contract is a contract for the purchase/sale, exchange, or other conveyance of real estate between parties. Real estate called leasehold estate. ... Appraised value. 9/6/2007 An appraised value (USA) or mortgage valuation (Australia) pertains to the assessed value of real property in the opinion of a qualified appraiser or valuer. ... History 9/6/2007 In 1986, nine leading professional appraisal organizations in the United States and Canada agreed to form the Ad Hoc Committee on the USPAP. ... The Appraisal Foundation 9/6/2007 The Appraisal Foundation (Foundation), [1] located in Washington, D.C., was formed in 1987 by eight major appraisal organizations (see History below) to help regulate the appraisal profession within the Unites States of America. ... Governing authorities and professional organizations 9/6/2007 Appraisal practice in the US is regulated by the various states. Prior to the 1990's, there were no commonly accepted standards either for appraisal quality or for appraiser licensure. In the 1980s ... Further considerations 9/6/2007 Highest and Best Use (HABU) is a term of art in the appraisal process. It is a process to determine the use of the property which produces the highest value for the land, as if vacant ... Three approaches to value 9/6/2007 There are three general groups of methodologies for determining value. ... Types of value 9/6/2007 There are several types and definitions of value sought by a real estate appraisal. ... Real estate appraisal 9/6/2007 Real estate appraisal is the practice of developing an opinion of the value of real property, usually its Market Value. ...  1

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