[UCGal]

[quote=sdrealtor]Actually all those “nice” features are very standard on most new construction and have been since about 2004.[/quote]
Some don’t even sound like upgrades… ceramic tile surrounds in the bath/shower? And… oooo- weather stripping. That cinches it for me.

[UCGal]

[quote=sdrealtor]Actually all those “nice” features are very standard on most new construction and have been since about 2004.[/quote]
Some don’t even sound like upgrades… ceramic tile surrounds in the bath/shower? And… oooo- weather stripping. That cinches it for me.

[UCGal]

[quote=sdrealtor]Actually all those “nice” features are very standard on most new construction and have been since about 2004.[/quote]
Some don’t even sound like upgrades… ceramic tile surrounds in the bath/shower? And… oooo- weather stripping. That cinches it for me.

[UCGal]

You can still challenge the taxes the old fashioned way- find recent sold comps that support your lower assessed value.

[UCGal]

You can still challenge the taxes the old fashioned way- find recent sold comps that support your lower assessed value.

[UCGal]

You can still challenge the taxes the old fashioned way- find recent sold comps that support your lower assessed value.

[UCGal]

You can still challenge the taxes the old fashioned way- find recent sold comps that support your lower assessed value.

[UCGal]

You can still challenge the taxes the old fashioned way- find recent sold comps that support your lower assessed value.

[UCGal]

[quote=flu]

I actually have reasons why I want the appraisal to be lower…

The underwriter paid for the appraisal, and I have a copy. It seems like since there wasn’t exact comparables to mine on the market, the comparables they chose were “B” class homes versus my “C-” type home. In all though, I think it’s pretty strange that these things could still come in so off during these times when banks/lenders should/would be uptight. I guess it helped that I covered my rotting balcony deck with a blanket :)[/quote]

When we refi’d last year they couldn’t find any comaparables since we’d built a granny flat – and at the time had the only (legal) one within several zipcodes. We had the opposite experience of you – appraisal came in lower than we expected. We didn’t care because our LTV was so ridiculously low and we’re not planning on selling or challenging our taxes.

It’s hard for appraisers to generate good numbers if they have no similar sold comps to compare.

[UCGal]

[quote=flu]

I actually have reasons why I want the appraisal to be lower…

The underwriter paid for the appraisal, and I have a copy. It seems like since there wasn’t exact comparables to mine on the market, the comparables they chose were “B” class homes versus my “C-” type home. In all though, I think it’s pretty strange that these things could still come in so off during these times when banks/lenders should/would be uptight. I guess it helped that I covered my rotting balcony deck with a blanket :)[/quote]

When we refi’d last year they couldn’t find any comaparables since we’d built a granny flat – and at the time had the only (legal) one within several zipcodes. We had the opposite experience of you – appraisal came in lower than we expected. We didn’t care because our LTV was so ridiculously low and we’re not planning on selling or challenging our taxes.

It’s hard for appraisers to generate good numbers if they have no similar sold comps to compare.

[UCGal]

[quote=flu]

I actually have reasons why I want the appraisal to be lower…

The underwriter paid for the appraisal, and I have a copy. It seems like since there wasn’t exact comparables to mine on the market, the comparables they chose were “B” class homes versus my “C-” type home. In all though, I think it’s pretty strange that these things could still come in so off during these times when banks/lenders should/would be uptight. I guess it helped that I covered my rotting balcony deck with a blanket :)[/quote]

When we refi’d last year they couldn’t find any comaparables since we’d built a granny flat – and at the time had the only (legal) one within several zipcodes. We had the opposite experience of you – appraisal came in lower than we expected. We didn’t care because our LTV was so ridiculously low and we’re not planning on selling or challenging our taxes.

It’s hard for appraisers to generate good numbers if they have no similar sold comps to compare.

[UCGal]

[quote=flu]

I actually have reasons why I want the appraisal to be lower…

The underwriter paid for the appraisal, and I have a copy. It seems like since there wasn’t exact comparables to mine on the market, the comparables they chose were “B” class homes versus my “C-” type home. In all though, I think it’s pretty strange that these things could still come in so off during these times when banks/lenders should/would be uptight. I guess it helped that I covered my rotting balcony deck with a blanket :)[/quote]

When we refi’d last year they couldn’t find any comaparables since we’d built a granny flat – and at the time had the only (legal) one within several zipcodes. We had the opposite experience of you – appraisal came in lower than we expected. We didn’t care because our LTV was so ridiculously low and we’re not planning on selling or challenging our taxes.

It’s hard for appraisers to generate good numbers if they have no similar sold comps to compare.

[UCGal]

[quote=flu]

I actually have reasons why I want the appraisal to be lower…

The underwriter paid for the appraisal, and I have a copy. It seems like since there wasn’t exact comparables to mine on the market, the comparables they chose were “B” class homes versus my “C-” type home. In all though, I think it’s pretty strange that these things could still come in so off during these times when banks/lenders should/would be uptight. I guess it helped that I covered my rotting balcony deck with a blanket :)[/quote]

When we refi’d last year they couldn’t find any comaparables since we’d built a granny flat – and at the time had the only (legal) one within several zipcodes. We had the opposite experience of you – appraisal came in lower than we expected. We didn’t care because our LTV was so ridiculously low and we’re not planning on selling or challenging our taxes.

It’s hard for appraisers to generate good numbers if they have no similar sold comps to compare.

[UCGal]

I read the comments on calculated risk a lot… Regular commenter LawyerLiz is a foreclosure attorney practicing in FL. She stated today that everything south of Palm Beach is effectively red-lined for residential mortgages. I think the housing still has a ways to go before it normalizes in FL. And it’s a judicial foreclosure state – so it may take longer to get all the foreclosures through the court system.

[quote=sdduuuude]I went to FL once. The people were nice, but I can’t live any place where the trees are taller than the mountains.[/quote]
This is my issue also. I like a varied topography that includes mountains.

[UCGal]

I read the comments on calculated risk a lot… Regular commenter LawyerLiz is a foreclosure attorney practicing in FL. She stated today that everything south of Palm Beach is effectively red-lined for residential mortgages. I think the housing still has a ways to go before it normalizes in FL. And it’s a judicial foreclosure state – so it may take longer to get all the foreclosures through the court system.

[quote=sdduuuude]I went to FL once. The people were nice, but I can’t live any place where the trees are taller than the mountains.[/quote]
This is my issue also. I like a varied topography that includes mountains.

[Author]

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