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All agents are NOT alike! Find out why we are top real estate experts. Call us: 732-735-5114. Monmouth and Ocean County listings are linked below.
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Get Free Bay Head, Spring Lake and Brick School Reports From Local Experts, Quickly by Email NEW JERSEY SCHOOL REPORT CARD WEB SITE SPRING LAKE HEIGHTS BOROUGH Everyone offers free school reports. We do too! Plus we offer more. As top Bay Head, Spring Lake and Brick REALTORS®, we can tell you things about the schools that no report generated by a computer will ever know. Remember, we consult with people moving to the Bay Head, Spring Lake and Brick, New Jersey area on a daily basis. It's our job to know, and our job to tell you. Call us for a first-hand experience of the local schools. Or fill out this form to send us a message right now. It's free and without obligation. We'll get back to you immediately with a phone call, a free report, or a brochure from a local school... What ages are your children? We'll tell you what your choices are for schools in Bay Head, Spring Lake and Brick. It's our job to help! There's no obligation, and we promise to get back to you quickly... 
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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 |
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
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| A |
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S. |
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