"I have worked with maybe 10 realtors in my life. Stacey and Rob are by far the best I have ever worked with. I was very impressed by their knowledge, advice and guidance in both the sale I have worked with maybe 10 realtors in my life. Stacey and Rob are by far the best I have ever worked with. I was very impressed by their knowledge, advice and guidance in both the sale of my old home and purchase of my new home. They earned my trust and respect. Coldwell Banker Vanguard should be very proud to have Stacey and Rob as members of their team."
"Tom Mac Donald"
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About Appraisals >Working With Appraisers
After the buyer and seller come to a "meeting of the minds" on the price of a house, there is one more person who must be convinced that the house is worth the selling price--the mortgage company's appraiser.
The appraiser looks for three similar houses that have sold in the same area within the last several months, and compares the selling prices of these homes with the one that is now on the market. The appraiser makes adjustments to account for the differences in each property, and averages the adjusted prices of the other three homes to arrive at a final opinion of value. In subdivisions or condominium projects where there are many similar properties and numerous recent sales, the appraiser's job is relatively easy. In neighborhoods of older homes that have been renovated or remodeled over the years, it can be like comparing apples and oranges.
If the appraiser's evaluation is lower than the selling price, it can stall the transaction because the lender may decline the buyer's loan because of the discrepancy. A real estate agent can work to minimize potential delays associated with the appraisal process by helping the seller to price the home as close to fair market value as possible.
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THE CLEM GROUP Coldwell Banker Vanguard 1334 East Republic Rd Springfield, MO 65804 417-887-6664 Fax: 417-447-5779 Toll Free: 1-800-299-5554 MyRealtor@StaceyClem.com
When you choose Stacey Clem as your Realtor, you can rest assured that she will help you with every aspect of stress-free buying and selling your home or property. Call Stacey now, at 417-887-6664 or toll free at 1-800-299-5554 and let her do what she does best while you focus on your life! 
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