Copyright
2009
Next
Generation
Financial
Services,
a
Division
of
1st
Mariner
Bank
At
NGFS
we
strongly
suggest
that
you
work
with
your
NGFS
Loan
Consultant
to
do
all
that
you
can
to
learn
about
the
property
values
in
your
area
before
incurring
any
counseling
and/or
appraisal
costs
in
order
to
avoid
the
disappointment
being
experienced
by
some.
H
ELPFUL
I
NFORMATION
T
O
H
AVE
W
HEN
E
STIMATING
T
HE
V
ALUE
O
F
Y
OUR
H
OME
Here
are
the
most
common
ways
to
gather
information
to
help
you
get
an
idea
of
what
your
property
value
might
be:
1.
Ask
at
least
two
local
Realtors
–
Contact
at
least
two
different
realtors
who
are
familiar
with
the
market
area,
don’t
forget
to
ask
about
foreclosures
and
short
sales
in
your
local
area
as
they
have
an
impact
on
your
home’s
value.
Remember
the
properties
must
be
of
a
similar
type,
same
number
of
bedrooms
and
bathrooms,
lot
size,
etc).
First
Local
Realtor
Estimate
‐
_______________________________
Second
Local
Realtor
Estimate
‐
_______________________________
2.
Check
the
county
tax
records
to
see
what
value
has
been
credited
to
your
home
for
the
calculation
of
your
property
taxes.
Ask
if
they
have
the
ability
to
give
you
comparable
sales
figures
for
the
last
30
–
90
days
(as
some
counties
have
recently
started
computing
this
figure).
County
Tax
Value
‐
_______________________________
County
Tax
Comparables
‐
_______________________________
3.
Check
the
most
recent
sales
of
similar
properties
(same
type,
bedroom
and
bathroom
count,
lot
size,
etc.)
on
the
internet.
Website
Estimate
‐
_______________________________
The
above
information
can
be
used
as
a
reference
to
help
you
develop
an
idea
of
what
value
may
be
assigned
to
your
home
as
it
is
similar
to
the
information
an
appraiser
will
use
when
establishing
the
estimated
value
they
will
give
to
your
home.
Note:
While
you
may
be
justifiably
proud
of
upgrades
you
have
made
to
your
home,
we
suggest
you
do
not
add
any
additional
value
for
upgrades
that
you
have
made
as
most
items
may
not
be
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