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Testimonials: Alameda, Oakland and East Bay California home buying, real estate listings, and homes for sale in Alameda County, CA

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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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Q	What is the world's most expensive Monopoly set?
A	San Francisco jeweler Sidney Mobell created an exclusive $2 million Monopoly set, with solid 23 carat gold houses, chimneys made of rubies and sapphires and dice with 42 full cut diamonds for spots.
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Angela McIntyre, REALTORŽ, real estate agent and broker for Alameda, Oakland and East Bay California home listings, property and land for sale - NUMBER1EXPERT(tm)

Angela McIntyre,
Gallagher & Lindsey, Inc.
2424 Central Avenue
Alameda, CA. 94501
Phone: 510-377-7733
Fax: 866-929-9228
Email: wesellalameda@NUMBER1EXPERT.com
Angela brings to Real Estate a wealth of knowledge and unsurpassed professionalism that were honed through her twenty-five years experience as a human resources director in the high tech industry. Experience that was easily translated into her Real Estate career. Her passion and empathy in working with Buyers and Sellers has made her a successful and caring RealtorŽ. Born in Italy and raised in San Franciscos North Beach, Angela relocated to the East Bay in the late 80s. Since that time, she has lived in her dream home, a floating home at Barnhill Marina, in the Alameda Estuary. In 2002, she became a Realtor and joined her husband, David McIntyre at Gallagher & Lindsey, Realtors, Inc. Together they successfully represented buyers and sellers in Alameda and the East Bay. Since Davids passing, Angela has continued in their passion of assisting buyers and sellers with achieving their dreams. Angela has continued to make her home at Barnhill Marina, and has consistently gained extensive knowledge of the varied Real Estate Markets in the East Bay: Pinole, El Cerrito, Albany, Berkeley, Oakland, Castro Valley, Hayward, and San Leandro. Angela believes in giving back to the community. She is an active member of the Alameda Association of Realtors and has been part of its leadership since 2007, when she was elected President. Currently she holds the position of Treasurer and is a voting member of the California Association of Realtors. Angela has also served as Mentor for the Buffini 100 Days to Greatness program. Her unsurpassed knowledge, passion and professionalism have repeatedly made her one of Gallagher & Lindseys most successful RealtorsŽ.

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