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Home values by address

 

Use our Free Home Values tool to see how much equity you have in your home or set the price to sell your home. Enter the address of your house, condo, or other real estate property above, and you'll get a value estimation and a list of the homes (or "comps" as they are known in the real estate industry) that have recently sold in your area. Look up home values by address - and find out what the home values are in your neighborhood, town, or state. Our Home Values estimator is a great resource if you're considering a future move or just want to check on the home values of your favorite celebrities. Start here to get the information you need.


Latest Home Values News:

Each market has reacted differently to the real estate downturn with some local markets performing better than others. California, Florida, Nevada and Arizona have had their home values drop by as much as 30% or more in certain areas. The number of homes where borrowers owe more on their mortgage than the house is worth is slightly down from last year's 11.3 million. It's estimated that 24% of all residences currently have negative equity. The good news from public reports is that unemployment and negative equity are relatively stable in the first quarter of 2011. Tax credits and inventories are also helping home values remain above their lowest point last year.




If you are thinking about refinancing or getting a home equity loan, start by getting a free home values estimation from SmartQuote.com. Check home values by address if you are in the market to buy a home to get an idea of what type of offer you should make. Check your home value online for free before starting the mortgage lending process. Home values can be impacted by the number of foreclosures in your area. A few nearby foreclosures can drag home values down and you should be aware of this as you begin your search for a home loan.


As a rule, lenders are maxing out their loan to value (LTV) ratios at about 80% for conventional loans. FHA or government backed loans will go to a 90% or higher depending on your situation. The maximum loan to value ratio you're going to qualify for is largely dependent upon your credit score. The higher your credit score, the lower your minimum equity requirement and that also means a lower down payment. In order to do business with a regulated lender, you need a minimum credit score of 500. At 500, only subprime lenders will do business with you, and they will generally only go up to about 70 percent of the value of the home. A few will go to 80 percent, but this is hard to find and may cost you in the long run. True subprime lending is basically non-existent because the investors behind today's lenders are no longer willing to loan money and take on risk


For refinance loans, Fannie Mae and Freddie Mac do offer a 125% of value refinance option for people whose original loan was underwritten in accordance with FHA standards. For most, the basic terms for refinance loans are limited to about 80% loan to value. As long as your debt to income ratio (DTI) is within guidelines and your loan to value (LTV) is within these parameters, you stand an excellent chance of getting a loan.


By shopping around, you will save money and get relevant information about the status of todays market. Use SmartQuote's Mortgage Rate Calculator as another helpful tool for estimating your home price range.