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Find out why I am a Top Real Estate Expert. Call me: Off:530-620-7108. Cell:209-337-8172
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Diane Broussard is one of The Top
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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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Diane Broussard
RE/MAX Gold
P.O. Box 588
Mount Aukum, CA 95656
Home Office: 530-620-7108
Cell: 209-337-8172
Business: Diane@ThinkDiane.com
Diane's Email: Diane@ranchandvines.com
DRE License#: 01085991
Diane Broussard and her team are committed to excellence in service and results. Diane specializes in horse property,ranches and estates in El Dorado and Sacramento Counties. Diane is a member of the RE/MAX Gold and Platinum Clubs and El Dorado County Top Achievers as well as a Top Listing and Selling Agent in the top 5% of El Dorado County Agents. In 2006 Diane entered the Remax Hall of Fame.
Diane has been a top sales achiever since 1990. She owned and operated her own Remax Gold Office in Diamond Springs and Mt. Aukum until 2009. Currently Diane works out of the Cameron Park North RE/MAX GOLD office. Her experience in real estate sales and previous years in land development provide her with the knowledge she needs to give her clients the best guidance in buying a home or buying land to build a new home.
Diane is always free to call for guidence or advise on any real estate matter. Stop by and say, hello, when passing through Cameron Park.    
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