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Five thoughts. 1)Having worked for banks and wholesale lenders both as a loan officer and as an appraiser I think in house appraisers tend to be as realistic in their opinions of value as most fee.
Home Price Guide Toy. Toy. Toy collectors have special clubs, magazines, and shows. Toys are designed to entice children, and today they have attracted new interest among adults who are still children at heart. Collectors are interested not only in the toy, but also in the history that it.
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So it sounds like you are dealing with a USDA loan and not a FHA loan. But todays value of the property is whatever a similar home would be worth today. The borrower should provide you a copy of a letter from the USDA of exactly what is to be discussed and disclosed in your appraisal.
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Putting high end granite counters in a Q5 home is an over improvement, but a typical market expectation in a Q3 home. Cheap granite or tile counters is market accepted in a Q4 or Q 5, would be an under improvement and hurt value in a Q3. And so on.
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