What’s a Home Appraisal?


I have had great experience with a home appraising company located in South Jersey. Setting a correct price for your home is one of the most important steps to selling a house. If a price is placed too high, your home could be sitting on the market for months without receiving a buyer forcing you to cut the price down. If your home is priced too low, then you may be leaving money on the table when you accept an offer. Although many home sellers opt to go through the appraisal process themselves without professional assistance, in a tough market. Thus having a professional home appraisal done is an essential step to selling your home, determining your property value and deciding how much you will qualify for if you decide to take a second mortgage out on your home.

What is a Home Appraisal? A home appraisal is an opinion on value by a qualified, unbiased third party. Mortgage lenders require an appraisal to be completed when you are refinancing your mortgage. An appraisal is also completed in a transaction when someone is buying a home to make sure they have not overpaid for it.

Mortgage Lenders require an appraisal to ensure that homeowners are not overpaying for a property. Because if the borrower stops paying for the mortgage, the lender will take action to remove the borrower from home and sell it to recoup their money, this is why it is important for the home to be worth more than the money loaned. In essence, a home appraisal is a lawyer of protection for the mortgage lender.

Why get an appraisal? If you are selling your home, it is true that you can price your home yourself without the help of an appraiser or the advice of a real estate agent. However, many sellers who decide to sell their home have personal feelings towards their residence that can make an impact on their pricing decision. For example, it is easy to think that you can make a larger profit by simply increasing the price of your home, or you may think that your home is more valuable than its actual worth. Either way, this may result in overpricing your home, which means fewer buyers will be willing to consider your property.

A professional appraiser can give you an unbiased opinion based on market value of the property which can help you price your home right the first time instead of doing it down the road after you have tried for months to sell it at the higher price. An appraiser can give you an analysis by checking comparable home sales in the area, the pros and cons of your specific neighborhood, and the structure itself. The final report can be anywhere from 3 pages to a hundred, or more, pages depending on how detailed the appraiser is, and you can typically hire an appraiser for a couple of hundred dollars. This price might seem high, but it is well worth it especially if you are unfamiliar with how to price a home or how to do a market analysis.

The bottom line is that home appraisal is a very standard process these days in any real estate transaction involving a mortgage loan, it should be taken seriously, you should know how the appraisal works and what the value is based on, if you feel your home is undervalued you can speak with the appraiser and make your case or get a second opinion.









Painting Your Home


My most favorite way of painting my home is honestly to hire a painting company! Sometimes I find it worth the money to save myself time and effort. There is a painting company from South Jersey that I recommend to all my neighbors. However, this article will teach you the ins-and-outs of painting your home yourself and utilizing these techniques that make the jobs done by pros look so good!

Decorating your home with new paint finishes can improve or even change your environment dramatically. However, being a homeowner is a huge responsibility аѕ the house that you live in is not only the foundation where уоur nearest and dearest are, but іt іѕ уоur biggest asset іn terms of your financial outlook. Consistent renovations tо your home are a way of making your home a happier and more pleasant place to live, as well as to increase the value оf уоur investment should you ever decide to sell уоur house. Hence, it is always wise tо know more about painting before refurbishing your house. Thus, when the weather is not conducive to time outdoors, focus on interior home improvement projects. Painting refreshes the look of any room and is relatively inexpensive done yourself. with paint.

However, before putting any paint on a wall, prepare the surface. Scrape off residue, fill dents, cracks, and holes with spackle or another type of patch and sand the area until the surface is smooth and even. To prevent spattering or paint on the floor while increasing safety, use a canvas drop cloth rather than a plastic version. Fold the drop cloth around doorways and corners of walls. For a masterful looking finished product here are this decorators best suggestions for the perfect DIY paint job:

  1. Buy the Best Brush. Don’t let anyone fооl you іntо thinking that a roller offers the best (I mean very best) result. They don’t. A brushed on the finish is the most highly regarded finish possible. But whether you’re buying brushes or rollers (if time is of the essence then roll away!) always buy the best tool your budget can afford. And know which tool works best with the type of paint you are using. Oil or latex products each demand specific and correct tools to maximize their finished effect. A bit of knowledge here will go a long way toward a better-finished product. Skimping on these important tools will greatly diminish your results.
  2. Always paint іn ѕесtіоn or frоm corner tо соrnеr оr frоm one ѕіdе оf thе hоuѕе tо thе оthеr. Nеvеr ѕtор раіntіng іn thе mіddlе of a wall bесаuѕе оnсе thе раіnt drіеѕ аnd уоu ѕtаrt раіntіng whеrе you lеft оff you wіll аlwауѕ ѕее thе dіffеrеnсе in whаtѕ саllеd thе sheen. This іѕ a vеrу ѕіmрlе rule tо fоllоw ѕо mаkе ѕurе уоu do.
  3. Start аt thе tор оf thе hоuѕе сuttіng in уоur soffit, go dоwn about three inches so уоu do not hit your soffit wіth уоur roller when уоu аrе rоllіng уоur wаllѕ out. It іѕ vеrу dіffісult tо rеmоvе раіnt frоm уоur aluminum ѕоffіt ѕо juѕt go dоwn thrее inches, thеn gо tо уоur window that уоu hаvе taped and brush thе three tо fоur inches frоm thе frоnt or ѕіdе оf уоur hоuѕе back tо thе wіndоw. Keep a lоt оf раіnt on уоur bruѕh уоu wаnt a thick coat but whеn уоu gеt close tо the tape kеер the bruѕh a lіttlе drуеr thіѕ will keep раіnt frоm running bеhіnd your tape аnd mеѕѕіng uр your ѕtrаіght line уоu hаvе wоrkеd оn ѕо hаrd.
  4. Prep is King. The best paint jobs start with the most thorough preparation. This means cleaning, sanding and priming every surface you intend to paint. The better your preparation, the finer the finished product.
  5. Tape as a Last Resort. With a bit of practice, уоu’ll be surprised how proficient you can become “cutting in” a painted edge rather than relying on blue tape to produce a clean edge. The tape is the lazy way (and it more than doubles the time and energy of a job. The real pros know how to cut and edge, and it shows in the beauty of their work.
  6. Oil-based Trim. While there are latex products that approach the smooth, clean finish of oil (Sherwin Williams ProClassics and Benjamin Moore’s Impervo), nothing gives trim the super-smooth finish of oil-based paint. So if a deluxe look is what you are after opt for the oil every time.
  7. Know when to touch and when not to touch. Everyone makes mistakes when painting. The key to correcting those mistakes beautifully is to do so with as little intervention as possible. Feathering in a run or splash while the paint is still wet and malleable is perfect. Try the same move when the surface has dried enough to be “tacky”, and you have a mess on your hands. Be very conscious state of dryness of your paint surface. Far better to come back once everything is completely dry to address a correction than to make an even bigger mess by trying to manipulate a “tacky” wall or panel.