A state certified real estate appraisal means an analysis, opinion or conclusion relating to the nature, quality and value of a subject property. This can help a buyer in a "down" market and it can also help a seller when listing their home. This is also a requirement from the bank, the bank wants to in writing that should a borrower default the property is worth the loan amount. Don’t be afraid of appraisals they can work for both parties in the transaction…plus you cannot avoid them =)
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