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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Connecticut Home Group, a proven Danbury, Candlewood Lake, Sherman and New Milford, Connecticut NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
About Appraisals >Three Caballeros

When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.

Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.

This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.

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Real Estate Trivia
Q 
Exactly how many islands are included in the group called the 1000 Islands?

A 
There are actually 1,864 islands in the 80-mile stretch in the St. Lawrence River, between Ontario, Canada and New York State.
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The Connecticut Home Group, REALTOR®, real estate agent and broker for Danbury, Candlewood Lake, Sherman and New Milford, Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Keith B. Evans and the
Connecticut Home Group

Keller Williams CT Realty
50 North Street
Danbury, CT 06810
Direct: (203) 312-9445
Fax: (203) 748-8401
Toll Free: (800) 748-8408 x7012
kevans@kw.com

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