What Is a bwin官方网 Appraisal and Why is it Important?

房屋评估是对房屋及其价值进行独立和公正的分析, and are often a key contingency in contracts. Therefore, regardless of your role, 评估对于参与交易的各方——贷款人——来说是一件重要的事情, 购房, 卖方, 和房主.

• For the Lender: Appraisals are in place to protect the lender's interests, 向他们保证他们借给借款人的钱不会超过房产的价值.
• For the bwin官方网buyer: 评估对买方来说很重要，因为它能证明房产的价格是合理的, and will hopefully appraise for at least the offer price they submitted to the 卖方. 如果估价达到或高于合同价格，交易将按计划进行. 如果 appraisal comes in lower than their offer, it can delay or derail the transaction. The buyer will have to renegotiate the price with the 卖方, as the lender won't lend a buyer more than the bwin官方网 is worth.
• For the 出售er: 同样的, 评估对卖方来说很重要，因为它告诉他们他们的房子值多少钱(他们的财产的公平市场价值)，如果 they priced their bwin官方网 correctly. A low appraisal, 如果准确, 这可能意味着卖方必须与买方重新谈判，要么将价格降至评估价值，要么看看买方是否同意 is willing to pay the difference out-of-pocket. If priced too low, 卖方可能无法收回他们在拥有该财产时获得的全部权益, essentially leaving money on the table.
• For the Refinancing bwin官方网owner: If a bwin官方网owner is refinancing a conventional mortgage, a low appraisal can prevent them from doing so. The bwin官方网 must appraise at or above the amount needed to refinance for the loan to be approved.

Preparing for a Successful bwin官方网 Appraisal

作为卖方，你必须为成功的评估做好准备. 为了给人留下良好的第一印象，你必须让评估者知道你有一个保养得很好的 bwin官方网. If an appraiser sees a house that looks junky or unkempt, 他们会有理由相信房子本身没有得到适当的维护, which would lower the value of the property. 虽然 评估师被要求遵守严格的规章制度，他们的大部分工作都是主观的. 有几件事你可以做，以帮助提高你的房屋评估价值:

• 抑制吸引力: Be sure the front of the house is neat and tidy. 把杂草, 修剪草坪, trim the hedges, edge the grass, plant some flowers, brush away cobwebs, and clear away leaves and debris. 然而，你不能通过定量评估方法来确定吸引力的价格, 在确定最终价值时，评估师确实会把它定性地考虑进去. 不要在评估之前浇草坪或开洒水装置, as appraisers will need to measure around the outside of your house.

• Touch Up Exterior Paint: Be sure the paint looks nice and clean. Appraisers will factor peeling paint into their evaluation, especially if they are doing an FHA mortgage appraisal.
• 整理/Deep Clean/Stage: 整理, 深层清洁, 布置每个房间，突出其独特的特点，从而提升其价值, such as a striking fireplace, 皇冠造型 or imported tiles.
• 修理: Even minor repairs can make a huge difference, 作为一个估价师可能贬值你的房子，如果它似乎没有得到足够的维修. Go through each room 还有修理诸如漏水的水龙头、破碎的窗户、有问题的锁或吱吱作响的门.
• Privacy During Appraisal: 评估者需要空间进行测量和照片，没有任何干扰或干扰. Therefore, it’s best to take young children and pets out during the appraisal process. 如果估价师对你的房子有任何疑问，你的代理人可能会在场.
• 装修: Compile a list of upgrades you have made to the bwin官方网, both aesthetic and functional, along with the invoices and warranties. This will help the appraiser see the extra value you have added to the bwin官方网, 这可能会帮助他们证明房产的最终估价是合理的.

How Property Values Are Determined

During the bwin官方网 appraisal process, 合格的估价师会对物业进行全面检查, inside and out, to assess how the property compares to similar properties in the area. They will document your bwin官方网’s age, construction quality, the integrity of your property’s roof and foundation, and even the health of your gutters and siding. They will study the floorplan, number of rooms, assess if there is an attic, basement or crawlspace, and even the size of your driveway. 估价师将测量和拍摄每个房间，以及地段的财产 坐落在. External factors like your bwin官方网’s proximity to good schools, community centers, and other conveniences are considered as well. Housing trends, neighborhood demographics, and how the bwin官方网 fits 进入社区也有助于确定房地产的评估价值. The appraisal can take from 30 minutes to three hours. 一旦评估师有了所有他们需要的信息，他们就会写下来 然后将完整的评估报告发送给买方的贷款方.

When a bwin官方网 Fails to Appraise

通常, 在80%-90%的情况下，房屋的估价会达到或高于合同价值, depending on the market. But if the appraisal comes back lower than expected, there are a few reasons it could have failed to appraise:

• Contract Price is Over Market Value: In rising real estate markets, 对于购房者来说，竞争一套房子并把价格推高到市场价值之上是很常见的. At that point, the 卖方犯的最大的错误是假设买方会在需要的时候带来额外的现金. This is why pricing your house correctly from the start is key.
• Appraiser Finds Issues Impacting Value: 在某些情况下, 估价师将确定评估中必须考虑的财产问题. 例如, a room addition 没有许可证或需要在房屋估价前进行修正的维修.
• An Inexperienced Appraiser: 要准确地评估一处房产，需要考虑很多因素. “地理能力”或鉴定人对当地的了解可以 评估是否达到房屋的真实市场价值有很大区别.

Can You Challenge a Low Appraisal?

如果评估结果低于你的预期，你可能有以下几个选择:

• 谈判: Between a down payment and closing costs, 买方可能负担不起他们的贷款人将涵盖的抵押贷款和他们的出价之间的差额. 在这种情况下, 卖家可能不得不降低要价，以匹配评估，或者达到中间的某个价位, where ideally, both parties find a happy compromise to save the sale.
• Submit a Reconsideration of Value: 对评估价值的挑战必须来自贷款人, and better yet if you can bring evidence to the table, 然后你就可以 submit what’s called a reconsideration of value to the appraiser. 例如, 在同一地点有两套完全相同的房子，但估价师取了两套房子的较低价值来评估你的 bwin官方网. 原来其中一件是离婚买卖所以才卖得这么低. 然后, 你可能会遇到这样的情况，促使一个道德评估师承认错误，并修改他们的 报告.
• Order a Second Appraisal: 另一种意见可能会导致估价更接近买方的出价, but it might require the buyer to secure a different lender. 如果 如果卖方要求另一种意见，卖方将不得不为此付费.

When everything goes smoothly, 房屋估价只是在结案清单上的另一个方格. 不管你在买房子、卖房子的时候遇到了什么情况， or refinancing experience, 对评估过程如何运作的基本了解只能对你有利, especially if you're buying a bwin官方网 for the first time.