World Savings Bank Has World Savings Bank Appraised Your Home For Significantly Less Than You Expected?
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    What is World Savings Bank      So Afraid Of?
  Across the nation home values have depreciated. This has terrified many lenders that survived the Real Estate Crash of the early 1990's. Are some of these lenders now low-balling appraised values or outright slashing them through a process referred to as an 'Appraisal Review'? Some believe the idea is that by pro-actively reducing a home's value the lender can build in the predicted value-crash in order to minimize lending risk.
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Am I Eligible For A Free Appraisal?
Yes, All World Savings Customers Are Eligible For A Free Appraisal
 
Yes, all World Savings Bank customers are eligible to receive a free appraisal. This appraisal will reveal the true market value of your home---you may even discover that your home is worth 10% or more than World Savings appraised it for...
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What if I Have a Prepayment Penalty?
If you are in a World Savings Loan with a prepayment penalty there is good news...
  Many past World Savings Bank customers will likely discover that they have enough equity to consolidate all debts, pay the prepayment expense, and still significantly lower their mortgage payments...you'll be amazed at how different your mortgage payment looks when it is based on the full vaue of your home...
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Are You Still Wondering Why World Savings Appraised Your Home For So Much Less Than Expected?

Then you should know that many lending professionals believe World Savings undervalues homes by 10% or more...

What does that mean for you? Higher interest rates & less cash out.

  • A lower appraised value means some people were provided 2nd Mortgages when a larger 1st Mortgage based on a higher appraised value would have been sufficient
  • These unnecessary 2nd Mortgages are at higher interest rates and therefore cost you more money every single month
  • Lower appraised values mean you may not have been able to get all the cash out you needed--or still need--to consolidate debt or for any other reason
  • Lower appraised values can mean individuals in Option Arm, Pick-A-Pay or Neg-Am programs may have been given higher-than-necessary 'Start Rates'--often over 2%
  • Lower appraised values result in a higher 'Loan to Value'. This is an important Risk Factor Bankruptcy Chapter 7 lenders use in determining interest rates. Higher 'Loan to Values' are considered riskier and are therefore given higher interest rates

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If you are considering buying a home you can begin your search on this free Nationwide MLS service. Local individuals can also find a California Real Estate agent through this company...Local home buyers can begin their quest with the assistance of the NorcoRealEstateGuide, located at this page: Norco California Real Estate . Local home buyers can obtain their prequalification through any lender, simply request a quote. Those looking for can use this Bankruptcy Chapter 7 agency to gather valuable information related to the home buying and selling process begin your investigation here. Brokers looking to grow should research options. We sincerely hope that you appreciate the quality of service in all of our real estate and lending services.
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