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Wednesday, June 22, 2016

Understanding The Home Appraisal Process

What is a Home Appraisal?

what is a home appraisalA home appraisal is an estimate of a home’s value. To find out a home’s value the appraiser is looking at the key characteristics of the property including location, square footage, number of bedrooms and bathrooms, condition of the home, current recently sold comparables that are close in proximity and health and safety issues.

Why Do I Need a Home Appraisal?

Home Appraisals for buyers: When buying a home in St. Louis or St. Charles County areas and throughout the U.S., mortgage borrowers will be required by their financial institution to complete a home appraisal in order to be qualified for a mortgage loan on the property. 

Home Appraisals for Sellers: Sometimes an appraisal before listing your home for sale can provide valuable insight as to the pricing.

When Do I Get a Home Appraisal?

What can make a home appraisal a tense time for all parties in a sales transaction is when they are performed. The buyer’s financial institution orders the appraisal from an independent party after you've negotiated a price, agreed to buy or sell the house and signed the contract. So it's in everyone's best interest that the appraisal is close to the price that both seller and buyer have agreed on.

What is the Cost of a Home Appraisal?

cost of home appraisal in missouriIn Missouri a home appraisal can cost $300-$400. The cost usually falls on the buyer but can sometimes be negotiated when closing on the home.

How Long Does The Appraisal Process Take?

An appraisal should be requested soon after all parties sign the home sale contract. Once an appraisal is performed, underwriters can request additional information about the house than they could in past years, and gathering that data and photos can take up to a few weeks.

What Can I Do To Improve a Home Appraisal?

As a homebuyer, there is nothing you can do to help a home appraisal. As a seller, there are a few things that can help:

    how to improve a home appraisal
  • Make the property as pleasing as possible by cleaning the home and trimming the yard.
  • Make any necessary fixes to the property.
  • Make a list of repairs and improvements that have been done to the house over the past several years. Note anything you can think of and give the list to the appraiser. The appraiser will decide what is important to the value.

How Do I Order a Home Appraisal?

When you buy a home with The Boehmer Team, we work with your lender to get them the information needed to order the home appraisal for you. This is just one more way we make your sales transaction smoother.

The Boehmer Team is Here to Help

The Boehmer Team is a team of experienced agents working to assist homebuyers and sellers in the St. Louis and St. Charles County areas of Missouri. We know how to make a daunting home buying process a great experience. We are always available for your questions about the home buying and selling process. You can find more great information online at

Additional References:

Thursday, June 9, 2016

Find A Home With Good Schools in St. Louis or St. Charles County Missouri

St. Louis and St. Charles County Missouri have numerous well-rated, high-performing schools to choose from. This makes buying a home in a different area of the city or county less risky for those with children. Yet you still want to make sure you pick a neighborhood with schools that are just right for you and your family.

Finding schools near a home for sale in St. Louis

How do you find out what schools are near a home for sale in the St. Louis or St. Charles County Area?

Any time you look at a home for sale on, the elementary, middle and high schools associated with that home appear with the listing information.

How do you find out the stats and ratings of schools near a St. Louis or St. Charles County area home for sale?

The Missouri Department of Elementary and Secondary Education has a comprehensive website to help. 

The District and School Information page delves into the details of all Missouri Schools with at least 11 attendees. You can find out district enrollment rates, drop out rates and graduation rates. You can also learn district demographics, attendance rates, student to staff ratios and more.

st louis area schools near real estateOr you can check the quick link to a page showing all Missouri assessment program results per school district. Want to find out which schools have a higher percentage of students proficient or advanced on the required assessments like math, science, social studies and English? This is a great page to check.

Another resource is St. Louis Magazine, which publishes a comprehensive guide to the region’s schools, from kindergarten through college. It is a great place to find information on public and private schools in one convenient package.

How do you find what private schools are near a St. Louis or St. Charles area home for sale?

Private Schools info for St. Louis and St. Charles County Missouri
Missouri department of education offers a lot of great information. But what if you prefer private schools? In addition to information on public schools, the Schools page on offers links to the Catholic Education Office of St. Louis, the Lutheran Elementary School Association, the Central Agency for Jewish Education and Independent Schools of St. Louis. 

Choosing the best school then finding the best home for sale near it.

If the school is the top priority over the location of your home, you’ll first want to get to work on finding the best school for your kids. First read the Top 10 Questions You Should Ask When Choosing a School to help you decide what aspects of a school are most important to you. Then use the robust features to search homes by school on by clicking the School Search button.  You can narrow your search by beds, bath, price range and many other options such as fencing, pool, the age of the home and more.

high schools information for st louis or st charles county missouri

Always Double Check

Sometimes school district boundaries change or a listing agent accidentally gets the schools wrong for a particular home they’ve listed. Before you select a home based on a particular school, call the school district to verify the home is still within the district boundaries. Or if you work with The Boehmer Team when buying a home, they will verify the schools for you.

Need help finding a home near the school you desire? Contact The Boehmer Team today.