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About Home Appraisal

What is a home appraisal? An appraisal is a written document by a Licensed Appraiser hired by your Lender you put a mortgage on a home.

The Appraiser’s responsibility is to make sure the home is worth what you are paying for it and the Lender is loaning on it. It might surprise you to know that your down payments may also be taken into consideration. The Appraisal is not necessarily the value of what the home is worth.

The major determining factor is based on sales in the neighborhood of similar homes in size, condition, and style, for the previous six to twelve months. These figures are derived from the same MLS system that REALTORS® use.

If your home purchase is a non-qualifying assumption or a cash sale, an appraisal is not required and in most cases, one is not done.

However in highly competetive markets where multiple offers are the rule, and offers above list are common, the mortgage lenders appraisal policies can become a dominant factor in making a succesful offer. In such cases, it is not uncommon practice for a motivated buyer to offer to pay the differece between his offerred price and appraiser's value

Jane Clark - Best McKinney Realtor

What do you get when you cross an extrodinary talent for meeting people, with 20 years of experience in Collin County Real Estate? Throw in boundless enthusiasm, season with a touch of unstoppable energy and stir in bunch of battle tested Collin County Real Estate Knowledge and you would wind up with Jane Clark

When you first meet Jane Clark, you can’t help noticing her warm smile and her open and friendly nature. Probably the next thing you will feel is her contagious enthusiasm for her work and her passion for helping clients reach the goals of their real estate transaction. Jane has an uncanny ability to listen and drill down to what’s really important to her clients and to make that the focus of her marketing program. You will soon understand why Jane Clark quickly became a top producing Keller Williams Realtor with some serious experience in Collin County Real Estate.

Listing Agent Jane Clark

kw-mckinney-realtor-jane-clarkThe listing agent is Jane Clark from Keller Williams Mckinney's Top Producing Jane Clark Realty Group LLC. She is a certified Luxury Home Specialist. Jane was nominated to the top 1000 Realtors in the United States by Keller Williams CEO,Marc Willis . She is the top producer for KW McKinney and a top 5 Elite Producer for the entire NTNMM multi state region. The Jane Clark Realty Group is the Top Producing Real Estate Group for Northern Collin County. She won D Magazines widely acclaimed Best Realtor Award every year since 2006. Jane has been voted the Best Realtor in the McKinney Allen Corridor by the readers of Living Magazine.KellerWilliams Realty Sec Logo GRY

Looking for a new home?

Jane Clark "One of the Most Trusted Names in Collin County Luxury Real Estate"


One on One with Jane

As an award-winning agent and one of the most trusted names in Collin County Luxury Real Estate, McKinney Realtor Jane Clark built her reputation on a philosophy she embraced when she started in 1998.
Jane Clark grew her business by focusing on people, principles and long term relationships.It's what she does best!

Award Winning Strategy

"When I first became a Realtor, I made a conscious decision to embrace a philosophy I call "Doing the Right Thing Creates the Right Results". It is tempting to take short cuts when you are struggling in situations with immediate, adverse consequences. But with a solid belief system in place, it is easy to choose the right path, you already know exactly what you will do."

The Power of Listening

“At the beginning of Jane's career She realized that she was in the service business, not the sales business. A critical component of serving her customers is listening. It is essential to Identify the Client's priorities and determine what’s important in their lives. Buying or selling a home is an emotional process, and understanding all the different parts of the transaction from your customer’s viewpoint is priceless.“

Meet Keelie Cristales

Keelie Cristales

Keelie Cristales, Transaction Coordinator

Keelie Cristales joined Jane Clark Realty Group as the Transaction Coordinator in December 2017. She brings with her several years of Real Estate experience as a Licensed Assistant and REALTOR. Keelie believes that communication is the key to a successful Real Estate Transaction and that Customer Service is key to a strong client relationship..

Her dedication to customer service and satisfaction is apparent in the care she takes of each transaction. With her knowledge and years of experience, Keelie handles customer needs with quality and efficiency. Her main objective is to make your real estate experience as simple as possible ensuring all aspects are handled in a timely, professional manner with communication being a top priority. Keelie shares The Jane Clark Realty Groups commitment and dedication to superior Service and complete client satisfaction..

Keelie is a seventh generation McKinney Native, a licensed and certified Realtor, and a member of the National Association of Realtors. She enjoys spending time with her husband and 3 children. .

Contact Keelie for assistance in any aspect of your real estate transaction.

What Is a Repair Amendment

You may need to think about repair amendments during the course of buying a home, typically during the option period and after your inspection. Your agent will prepare your repair amendments for you, but as a buyer, it pays to understand how to write an effective repair amendment as the language used in them can have serious effects down the road. Understanding both how to write a repair amendment with negotiations and the final outcome in mind, as well as how to write them so that what you want is really what you get, can save you a lot of time and hassle later down the road. Remember, these repair amendments become part of the contract and performance of the items contained within them is serious business. Many real estate lawsuits center around the repairs agreed to and made and whether or not they were sufficient. Know what goes into the repair amendment before you sign so you can avoid any issues that could effect your purchase.

Negotiating Repairs

After your inspection and your review of the inspection report, you’ll probably have a laundry list of items that you want fixed in order for you to continue with the purchase of this home. We understand anyone’s desire to have everything perfect in their new home, but the reality is that all homes have items that can or should be fixed. Even the inspection on a brand new home will turn up items that need corrected. The goal here is to come up with a list of items that the seller needs to fix…and that they will agree to.

Since no home is ever perfect, you’re going to need to take a look at the inspection report and decide what matters to you most and what can be negotiated by both parties to create the magical win-win situation. Simply sending over an inspection report and saying “fix everything” will more than likely get you a denial from the seller. So how do you determine what to ask for and what not to ask for?

You want to take a look at the big picture. What items do you feel are the so-called “deal killers” – those items that you cannot see past and will cause you to walk away from the home in an instant. Typically, we see these are big ticket items like roofs and HVAC units or health and safety issues such as faulty wiring or items that create a risk of fire, electrocution, or explosion (think leaking gas).

Every homebuyer is different though and what you might consider a no-go, the next homebuyer might not even flinch at. It all depends on your needs and your comfort level.

As well as your needs, you’ll need to consider where the seller is coming from. Did they just take a really low offer from you on the home? Are they trying to move quickly due to a relocation? Are the facing foreclosure or perhaps they just need to sell because they don’t have the money? There are so many factors to consider and your real estate agent can help you see some of the potential pitfalls to the negotiation before they even happen. Remember, the goal is to get the seller to repair items, not bury them in so much that they refuse to do anything.

Writing Repair Amendments

Our biggest tips to writing repair amendments are simple: be specific, don’t overuse words and don’t under explain what you need, and let the inspection report do the talking.

Be specific. We’ve seen cases where repair amendments said something along the lines of “have sprinkler system checked.” The seller did exactly that. They paid to have someone come out and inspect the sprinkler system…and nothing more. There were issues with the sprinkler system (in this particular case a broken pipe under a sidewalk which was causing a major loss of water) and because of the language in the inspection report, the seller merely confirmed what everyone already knew, the sprinkler system needed repair. The two strongest words you can use in a repair amendment are repair and replace.

Over/under explaining things. Be succinct in your wording. Don’t become a junior inspector or plumber or electrician. Let the experts determine what is wrong and fix it. Sometimes people try to use a lot of big words or even legalese to make the repair amendment sound official. You want to write clearly and in simple, plain language to get to the heart of what it is you want done.

Let the inspection report do the talking. Quote items in the inspection report and give reference numbers for pages or sections of the report where the item appears. Let the inspector’s words inform what needs done.

Remember, that all repairs must be done by a licensed person if the trade requires a license (plumbing and electrical are two examples) or by someone regularly employed in a trade that reflects what they are doing. In other words, if you hire a handyman to fix items on a repair amendment, they need to be a handyman as their regular job, not just Uncle Bob who says he can fix it. These two requirements can be overruled if agreed to by both parties and put into writing.

The more precise you are with repair amendments, the better your results will be. Remember to think items through as well, what are the consequences of the action you’re requesting? We see a lot of arguments over removing items like TV brackets. If someone requests “remove TV brackets” on a repair amendment, they might get exactly that. What’s left when you remove TV brackets? Big holes and mismatched paint. You may want to use something more along the lines of “remove TV brackets and repair, patch, texture, and paint to match current walls” so that you have a more detailed explanation of what you want done. Remember, there is no “they should have known what I meant” clause in contracts.