Apply for down payment assistance.

Visit https://louisvilleky.gov/government/housing/down-payment-assistance-program to see the rules

Please ensure that you carefully review the Down Payment Assistance Program Handbook and other applicant resources before you begin the application process.

About the Down Payment Assistance Program: The program provides homebuyers with down payment and closing cost assistance for purchasing a home in the Louisville Metro area. The assistance can be applied to the purchase of either an existing or newly constructed home. The program is available to low- to moderate-income homebuyers and is not limited to first-time homebuyers, but prospective homebuyers may not currently own a home.

Eligibility: To be eligible for the program, a household’s income must be at or below 80% of the area median income. Homebuyers must also be pre-approved for a mortgage from a local financial institution, have no unpaid collections, past due balances, or un-discharged bankruptcies (except medical collections up to $10,000), have at least $2,000 in savings, and not have owned a home in the 12 months prior to applying. The homes eligible for assistance must meet the Home Ownership Value Limits listed in the program guidelines.

Goals: The goals of the program include encouraging homeownership throughout Louisville Metro that is economical to low-moderate income consumers in order to assist in preventing future foreclosures. The program also aims to encourage mixed-income neighborhoods, de-concentrate poverty, encourage homeownership in Russell – the Neighborhood Revitalization Strategy Area, assist homebuyers to become informed consumers in order to successfully navigate real estate transactions, and encourage reinvestment in vacant and abandoned properties.

How to Apply:

To apply, complete homebuyer counseling from a HUD-approved counseling agency, then apply to the Down Payment Assistance Program, receive a letter of eligibility, engage a realtor, submit a home purchase packet including executed sales contract and primary loan documents to the Metro, receive a conditional commitment letter from the Metro stating the amount of assistance available to purchase the home, coordinate with Metro Office of Housing inspector, and then close on the home. Please allow 45 days for Metro review and verification

Apply here

https://portal.neighborlysoftware.com/louisvilleky/Participant#

Louisville KY

Many people want to be homeowners, but trying to save up the down payment is the number one reason why many people don’t buy. I am a local Realtor for Totally About Houses. I know the many down payment assistant programs that are available for you.

Call me (502) 334-1497 and let me get you connected to one of the programs. You don’t need to be a first time home buyer. Let’s talk about it.There are a variety of down payment assistance programs available to help homebuyers with the upfront costs of buying a home. Some of the most common programs include:

1. FHA Loan Down Payment –

The Federal Housing Administration (FHA) offers loans with low down payment requirements (as little as 3.5% of the purchase price) and flexible credit requirements. In addition, many state and local agencies provide down payment assistance for FHA loans.

Another wonderful perk is that FHA may offer lower interest rates than conventional loans.

2. VA Loans –

The U.S. Department of Veterans Affairs (VA) offers zero-down-payment loans to eligible veterans, servicemembers, and surviving spouses. These loans are available through private lenders, and may also include closing cost assistance.

3. USDA Loans with $0 Down Payment-

The U.S. Department of Agriculture (USDA) offers loans with zero down payment requirements to homebuyers in rural areas. These loans have lower credit requirements than conventional loans and may also include financing for home repairs.

4. State and Local Programs –

Many state and local housing finance agencies offer down payment assistance programs for low- and moderate-income homebuyers. These programs may provide grants, loans, or other forms of financial assistance, and may be available to both first-time and repeat homebuyers.

5. Employer-assisted Housing Programs –

Some employers offer down payment assistance to their employees as part of their benefits package. These programs may provide grants, low-interest loans, or matching funds to help employees purchase a home.

It is important to research the various programs available in your area and to consult with a mortgage lender or housing counselor to determine which programs may be right for you.

You may be unsure why it is important of getting pre-approved . Well, let me tell you, if you’re looking to buy a house, this is the first step. Thus, it’s essential to have a clear idea of your budget before you begin the house-hunting process. Getting pre-approved for a mortgage can be a helpful tool, giving you a firm understanding of what you can afford and allowing you to act quickly when you find the right property.

What is a pre-approval?

A mortgage pre-approval is written confirmation from a lender that you qualify for a mortgage up to a specific amount. To obtain a pre-approval, you’ll need to provide information to a lender about your financial situation, including your income, employment history, credit score, and debt.

A pre-approval is not a guarantee that you will be approved for a mortgage. The lender will need to verify your information when you apply for a mortgage formally. However, having a pre-approval from a lender can make you a more attractive buyer to sellers. It shows that you’re serious about buying a home and have taken steps to secure financing.

Why get pre-approved?

Getting pre-approved can provide you with several benefits, including:

1. Knowing your budget: A pre-approval can help you determine the maximum amount of money you can borrow and, subsequently, the price range of properties you can afford.

2. Streamlining the buying process: With a pre-approval, you can move quickly when you find the perfect home. You won’t have to wait for funding once your offer is accepted, as the pre-approval process has already been completed.

3. Negotiating power: A pre-approval can give you an advantage in a competitive market. If you’re pre-approved, sellers know you have financing in place, and you’re a serious buyer.

4. Identifying issues: If you’re not approved for a mortgage, a pre-approval will alert you to any potential issues in your credit or finances that need to be addressed before proceeding with the house hunt.

Overall, a pre-approval can save you time and stress in the home buying process and give you an idea of what price point you should be shopping at.

Steps to Getting Pre-approved

Getting pre-approved is a relatively straightforward process and typically involves four basic steps:

1. Selecting a lender: Start by researching lenders in your area and their mortgage products. You can talk to a mortgage broker who can work with multiple lenders as well.

2. Gathering your financial information: To apply for a pre-approval, you will need to provide the lender with key information about your financial situation. This information typically includes your income, employment history, credit score, and debt.

3. Completing a mortgage application: You will need to complete a mortgage application with your chosen lender. You can typically do this online or over the phone.

4. Getting pre-approved: This process can take anywhere from a few hours to several days, depending on the lender. Once the lender reviews your information and verifies your creditworthiness, they will provide you with a pre-approval letter detailing the maximum amount you can borrow, along with the terms of the mortgage.

What to look for in a pre-approval letter

When you receive your pre-approval letter, it will contain essential information about your loan and its terms, including the maximum amount you can borrow, the interest rate and the length of the mortgage (often 15 or 30 years). Review this letter carefully to ensure you understand the terms of the loan.

It’s also important to note that a pre-approval letter is not a guarantee of financing. Your mortgage still needs to go through the underwriting process once you have an accepted offer on a property.

Things to keep in mind with pre-approvals

While pre-approvals are a helpful tool in the home buying process, there are a few things to keep in mind:

1. Your pre-approved mortgage amount isn’t necessarily what you should spend. Just because the lender says you can borrow a specific amount doesn’t mean that you should. Consider other expenses like property taxes, insurance, maintenance, and repairs that add to the cost of owning a home.

2. A pre-approval doesn’t guarantee you’ll get a mortgage. While a pre-approval is helpful, it’s not a done deal. Your lender will still need to verify your financial information before approving your mortgage formally.

3. You can still shop around for a mortgage once pre-approved. Just because you’ve been pre-approved doesn’t mean that you can’t explore other options. You can still shop around for the best mortgage rates and terms once you’re ready to start the process in earnest.

Conclusion

If you’re in the market for a new home, it’s a good idea to get pre-approved for a mortgage. A pre-approval can provide you with a clear idea of your budget, streamline the buying process, and give you an advantage in a competitive market.

Talk to potential lenders to see who can offer the best terms and rates on your mortgage. Once pre-approved, you’ll want to weigh those offers against each other before selecting the one that works best for your financial situation and personal preferences. Don’t forget to get the free buyer’s guide to alert you about the other steps to buying a house.

Sign up to get a Free 10 Step Buyers Guide

Looking for expert guidance on the home buying process? I’ve got you covered! I have put together a comprehensive Free 10 Step Buyer’s Guide that outlines the exact steps you need to take to buy your dream home, and it’s all completely free!

This brochure will guide you through important steps like getting pre-approved for a mortgage, searching for the perfect home, and navigating the negotiation and closing process. It’s like having a personal guide to home buying that fits in your pocket!

To receive your Free 10 Step Buyers Guide, simply provide us with your information and we’ll mail it out to you within 3 business days. Don’t settle for uncertainty when it comes to one of the biggest purchases of your life – get our expert guide and take the first step towards owning your dream home today! This brochure is available for all Kentucky residents. Alternatively, I can hand it to you during our 1st home showing. Either way, fill out the form so I can get your information to serve you better.

I have Innovative Market Expertise, but allow me to explain,

As a realtor, having market expertise is crucial to providing the best service possible to clients. With my extensive knowledge and understanding of the local real estate market, I am able to provide valuable insights and advice to clients regarding the buying or selling process.

I am constantly staying up-to-date on market trends and fluctuations in the area, which allows me to help clients navigate the market with confidence and make informed decisions. Whether it’s determining the optimal pricing strategy for a property or identifying the best neighborhoods. My market expertise is an invaluable asset that sets me apart as a realtor. With me by their side, clients can trust that they are getting the most accurate and comprehensive information available.

For current market status, click here

Difference Since October 2022

Since last year, Louisville has remained a Seller’s Market. Louisville is a Seller Housing Market, which means prices tend to be higher and homes sell faster.

Louisville Housing Market Place

Why Should You List with Me?

As an expert Realtor,

I bring a range of values to my sellers when it comes to selling their property. Here are 30  values

1. Market expertise:

I have in-depth knowledge of the local real estate market and can provide insights on pricing, trends, and competition.

2. Pricing guidance:

I  help sellers determine the optimal listing price based on market conditions and comparable sales.

3. Marketing strategies:

I develop and execute effective marketing plans to attract potential buyers to the property.

4. Professional networking:

I have access to a network of other real estate professionals, including buyers’ agents, which can help in finding potential buyers.

5. Negotiation skills:

I an experienced and an expert Realtor at negotiatubg and am an advocate for sellers and secure the best possible terms and price.

6. Time-saving:

I handle the time-consuming tasks of scheduling showings, coordinating with buyers’ agents, and managing paperwork.

7. Objective advice:

I provide unbiased advice and guidance throughout the selling process.

8. Staging and presentation:

I  offer suggestions on how to stage and present the property to maximize its appeal to potential buyers.

9. Wide exposure:

I list properties on multiple listing services (MLS) and online platforms, ensuring broad exposure to potential buyers.

10. Screening buyers:

I pre-screen potential buyers to ensure they are qualified and serious about purchasing.

11. Market analysis:

I provide sellers with comprehensive market analysis reports to help them make informed decisions.

12. Legal protection:

I help navigate complex legal documents and ensure compliance with local regulations and disclosure requirements. As a Realtor, I do advise all legal documents be reviewed by an attorney.

13. Professional photography:

I arrange for high-quality photography and virtual tours to showcase the property effectively.

14. Open houses and showings:

I organize and host open houses and private showings to attract potential buyers.

15. Feedback and market updates:

I provide regular updates on market activity, buyer feedback, and any necessary adjustments to the selling strategy.

16. Transaction management:

I oversee the entire transaction process, including inspections, appraisals, and contingencies.

17. Emotional support:

I provide support and guidance during what can be a stressful and emotional process for sellers.

18. Local knowledge:

I have extensive knowledge of the neighborhood, schools, amenities, and other factors that can impact the property’s value.

19. Pricing accuracy:

I help sellers avoid overpricing or underpricing their property, ensuring a fair market value.

20. Access to resources:

I have access to a wide range of resources, including professional photographers, home stagers, and contractors, to enhance the property’s appeal.

21. Market exposure:

I leverage their marketing channels and connections to expose the property to a larger pool of potential buyers.

22. Market timing:

I advise sellers on the best time to list their property based on market conditions and buyer demand.

23. Confidentiality:

I maintain confidentiality and protect sellers’ privacy during the selling process.

24. Local advertising:

I advertise the property in locally

25. Comparative market analysis:

I provide sellers with a comparative market analysis (CMA) to help them understand the value of their property in relation to similar properties in the area.

26. Contract expertise:

I am well-versed in contract negotiations and can ensure that sellers’ interests are protected.

27. Problem-solving:

I am skilled at identifying and resolving issues that may arise during the selling process.

28. Post-sale assistance:

I provide guidance and support even after the sale is complete, assisting with any post-sale concerns or questions.

29. Market exposure beyond local buyers:

I have connections with out-of-town or international buyers, expanding the potential buyer pool.

30. I give Sellers Peace of mind:

Ultimately, as a Realtor I provide sellers with peace of mind, knowing that they have a professional guiding them through the selling process.

31. Free Professional Home Cleaning

As part of the listing contract, your house can be professionally by cleaned by a cleaning services.

What are you waiting for? Call 502 417-3463

or fill out this form…

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A subdivision is a large tract of land that is subdivided into smaller lots for residential or commercial purposes.

Learn about 8 Benefits and Disadvantages of Living in a Subdivision

Benefits of a subdivision:

1. Increased housing options:

Subdivisions offer more housing options for people, which can be beneficial for both buyers and sellers.

2. Infrastructure development:

Subdivisions necessitate the development of infrastructure such as roads, utilities, and amenities to support the new community.

3. Improved property value:

Subdivisions can lead to a rise in property values since they bring in new residents and promote economic growth in the area.

4. Better organization:

A well-designed subdivision can offer a more structured and organized community plan, resulting in better planning and a more cohesive neighborhood.

Disadvantages of a subdivision:

1. Environmental impact:

Subdivisions often necessitate the destruction of natural habitats and wildlife, causing damage to the environment.

2. Limited space:

Subdivisions by definition divide a large piece of land into smaller lots, limiting the amount of green space in the surrounding area.

3. Traffic congestion:

The development of a subdivision can lead to increased traffic, leading to more pollution and congestion in the area.

4. Financial strain:

The development of a subdivision necessitates the acquisition of land and construction, which can be costly, making it difficult for smaller developers to compete.

See Louisville Subdivisions For Sale

Visit BetsyVila.com to Network – Promote your business to my audience; its free

The mortgage calculator will help you find out how much you can afford based on your income and estimate monthly mortgage payments. It can also calculate the total interest paid over the life of the loan. As well as determine how much home one can afford based on the income and expenses. Use it to compare different mortgage options and terms. Aso for analyzing the impact of making extra payments or refinancing on the overall mortgage loan.

Mortgage Calculator

You might just like to type in your figures. This one might be more straightforward for you.

Other uses for the above mortgage calculators would be planning a budget for buying a home and managing mortgage expenses. It can be used for understanding the effect of down payment and interest rate on the overall mortgage payment. When you need to consider the affordability and feasibility of different houses and mortgage options, this calculator is also very useful.  You can also evaluate the benefits of different loan types, such as fixed-rate mortgages or adjustable-rate mortgages.

Don’t forget to use it to determine whether mortgage insurance is required and how it affects the monthly payment. It is important to compare the costs and benefits of different mortgage lenders and refinancing options, this mortgage calculator will be very handy for that too. You can use it for planning additional expenses such as property taxes and homeowner’s insurance. Lastly, use it for forecasting the impact of changes in interest rates or property value on mortgage payments.

Search properties for sale to see what you can buy

https://BestieRealtor/mls

Warning – 20 Home Valuation Tool Shortcomings

The shortcomings are limitations of online home valuation tools, and it’s important for homeowners to understand these limitations when considering using them. Here are some warnings about the most common limits of online home evaluation tools:

Warning! You Could Lose Money Trusting Online Home Valuation Tools

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Use the above quick home valuation tool to see what I mean. To get an accurate valuation, more information is needed.

1.Home Valuation Tools Only give Estimates:

Online home evaluation tools provide a rough estimate of a home’s value based on publicly available data and algorithms. They do not account for the unique features and characteristics of a home or the local market. As a result, they may provide a less accurate estimate of a home’s value.

 

2. Home Valuation Tools Lacks personalization:

Online home evaluation tools do not factor in the specific needs or preferences of a seller. They cannot provide personalized recommendations on how to improve a home’s value or how to best sell it.

 

3. Home Valuation Tools have Limited scope:

Online home evaluation tools only consider data that is publicly available, such as recent sales data, tax assessments, and public records. They cannot account for off-market transactions or other factors that may impact a home’s value, such as neighborhood trends or future development.

4. Home Valuation Tools have Varying algorithms:

Different online home evaluation tools may use different algorithms to calculate a home’s value, meaning that estimates from different tools may vary widely. This can lead to confusion and uncertainty for homeowners.

5. Home Valuation Tools have Legal concerns:

Depending on the state or country, some online home evaluation tools may not be legally allowed to provide home valuations or may be required to include disclaimers about their accuracy. Homeowners should be aware of these legal concerns before using online home evaluation tools.

6. Home Valuation Tools can provide Inaccurate data:

Some online home evaluation tools may use incomplete or outdated public data, which can lead to inaccurate valuations. Additionally, they may not have access to information about recent renovations or upgrades that could positively impact the home’s value.

7. Home Valuation Tools have Limited market insights:

Online home evaluation tools may not consider the nuances of a local real estate market, such as fluctuations in buyer demand or recent changes in zoning laws. This limited view of the market can result in an inaccurate valuation that doesn’t reflect current market trends.

8. Home Valuation Tools are not inspected:

Online home evaluation tools cannot take into account the condition of a home, which is an important factor in determining its value. A home that’s in poor condition, for example, may have a lower value than a similar home that’s been well-maintained.

9. Home Valuation Tools give an Incomplete picture:

An online home valuation tool may not consider specific factors that influence the value of a home, such as the view, the quality of the neighborhood, or the style and age of the home.

10. Home Valuation Tools have Heavy reliance on data:

While data is a key component of assessing a home’s value, online home evaluation tools may rely too heavily on data, without considering the intangible qualities of a home that can influence its value. Things like curb appeal, layout, and natural light are just a few examples of factors that data alone cannot accurately capture.

11. Home Valuation Tools Lack of context:

Online home evaluation tools do not provide context about the assumptions they make when generating a home valuation. For example, an online tool may assume certain market conditions or factors that are not immediately apparent to the user. This lack of context can result in an inaccurate valuation.

12. Home Valuation Tools have Limited flexibility:

Online home evaluation tools may not provide the flexibility to adjust assumptions or input information that could affect a home’s value. This can result in an estimate that does not match the reality of the property or the market.

13. Home Valuation Tools contain Human error:

Online home evaluation tools rely on algorithms and technology to generate a home valuation, and as such, they are subject to the same potential for error as any other technology. Bugs, programming errors, or outdated data can all lead to inaccurate valuations.

14. Home Valuation Tools Lack of transparency:

Some online home evaluation tools may not provide transparent information about the data and assumptions they use to generate a home valuation. This lack of transparency can make it difficult for users to assess the accuracy of the estimate.

15. Home Valuation Tools have No negotiation:

Online home evaluation tools do not factor in the potential for negotiation that may be present in a real estate transaction. This can lead to an overestimation or underestimation of a home’s value, depending on the goals of the buyer and seller.

16. Home Valuation Tools have Limited scope of data:

Online home evaluation tools may only have access to data from a limited number of sources, which can limit the accuracy of the estimate. For example, they may only consider data from recent home sales, without factoring in other local factors that can affect home values, such as new developments, changes in zoning laws, or shifts in the local economy.

17. Home Valuation Tools have Limited local expertise:

Some online home evaluation tools may not have access to local market experts, who can provide insights about the unique factors that influence home values in a specific area or neighborhood. This can limit their ability to provide accurate valuations for certain properties.

18. Home Valuation Tools are No substitute for professional advice:

While online home valuation tools can provide a helpful starting point, they cannot replace the insights and expertise of a professional real estate agent or appraiser. Homeowners who are serious about selling their property should seek out professional advice to ensure they get the best possible price for their home.

19. Home Valuation Tools give Incomplete comparisons:

To estimate the value of a home, online evaluation tools may compare it to other homes that have sold recently in the area. However, these comparisons may not take into account the specific features or characteristics of the home that make it unique. As a result, the estimate may be less accurate than if an appraiser or real estate agent had made the comparison.

20 Home Valuation Tool have Privacy concerns:

Homeowners who rely on online home evaluation tools to estimate the value of their property may be required to provide personal information, such as their name, email address, or phone number. This information may be shared with third-party vendors or used for marketing purposes, which can be a concern for homeowners who value their privacy.

In summary, while online home evaluation tools can be a helpful resource for homeowners who are looking to get an estimate of their home’s value it is important to keep in mind their limitations. Homeowners who want a more accurate valuation or personalized advice on selling their property should consult a professional real estate agent or appraiser. Online home valuation tools can provide quick and easy estimates of a home’s value. Home owners should consider these limitations.

Homeowners should use these tools as a starting point as they explore their options for selling their home, and work with a real estate agent or professional to obtain a more accurate valuation. Overall, while online home evaluation tools can provide a helpful starting point for homeowners who are curious about their home’s value. It should not be relied on as the sole source of information. Homeowners should still seek the advice of a local real estate professional. Real Estate agents can provide a more personalized and accurate estimate of a home’s value based on the unique characteristics of the property and the local market.

Zillow.com, Redfin.com & Realtor.com are popular online Home Valuation Estimators, use with caution & only for General Estimation and understand their limits.

Get a No Obligation Home Evaluation from a Realtor

Read this article which compares Home Valuation Tools to Appraisals & Realtor’s CMA

https://lavillaproperties.com/what-is-my-home-worth/

Factors that impact home value:

Most owners wonder “what is my home worth?” The Location, size, condition, amenities, and market trends are some of the factors that can influence the value of a home. You have options for finding the value of your house, but you need to weigh your options wisely.

What is my home worth? 3 Valuation methods to find out

There are several methods that can be used to determine the value of a home, such as a comparative market analysis (CMA), automated valuation model (AVM), or appraisals.

1. AI, Home Valuation Tools or automated valuation model (AVM):

You on a Realtor’s website looking for the Value of your home. I am legally required to give you an accurate picture of the value of your home based on real data and I can take into consideration many factors which online home valuations tools miss. I highly recommend that you DO NOT BASE the value of your home or even estimate it using online tools. If I were looking for deals in the market, I would look for home sellers that priced their homes using home valuation online tools. I know that they likely under valued their home, sometimes, hugely so and it would be to my benefit.

In general, home value estimates provided by automated tools are meant to be used as a general guide and starting point for homeowners and buyers. They should not be considered a final valuation or a substitute for a professional appraisal or analysis by a licensed real estate agent. It is also important to note that some online home value estimators may be more accurate than others, and that their accuracy may vary depending on factors such as the location, type, and age of the property. Homeowners should research the accuracy and reliability of any online home value estimator they use before making any decisions based on the estimated value provided.

In summary, while it is legal for automated tools to provide an estimate of your home’s value, homeowners should not rely solely on these estimates when making important decisions such as setting a selling price or applying for a mortgage. They should seek out professional advice from a licensed appraiser or real estate agent to ensure an accurate valuation of their property.

2. Licensed Appraisal to Determine Your Home’s Value:

If you need an official & legal value of your home for financial purposes, then use an appraisal. An appraisal is typically done for the benefit of the lender, not the seller, to assess the value of the property in relation to the loan amount. The cost of an appraisal is paid by the seller or the buyer. The resulting appraisal report may not necessarily reflect the price that potential buyers are willing to pay.

Read the above line one more time.

3. Licensed Real Estate Agent to Determine Your Home’s Value:

When it comes to pricing your home for selling it, it is generally better to use the services of a real estate agent to get the most money. As a Real Estate agent, I have extensive knowledge and expertise in the local market, which allows me to provide an accurate estimate of what your home is worth.

Working with the wrong real estate agent who doesn’t give you a proper CMA or Home Valuation could also put you at the same risk as using online tools. I want to give you a free Home Valuation at no cost or obligation to you and provide to you real insight so you can make an informed decision.  If you need to know the value of your home so you can price it in the market, then use me a licensed real estate agent.

Real estate agents use multiple sources of information and their experience to determine the market value of a property. They typically analyze data on recently sold homes, current market trends, and the local economy to arrive at a price that they believe will attract potential buyers while providing the maximum benefit to the seller.

In addition, real estate agents can use pricing strategies to help you sell your home for the most money. They may suggest starting with a higher price and gradually lowering it until the property sells, or setting a lower initial price to generate more buyer interest and potentially start a bidding war.

Appraisals Summary:

Overall, while an appraisal can provide a ballpark estimate of a property’s value, a real estate agent’s knowledge of the local market and their pricing strategies can help you sell your home for the most money possible.

More on Online Valuation Tools:

Also read my article about the Shortcomings of Home Valuation Tools

https://lavillahomesales.com/warning-20-home-valuation-tool-shortcomings/

call (502) 417-3463 or send me a message click here

The choice is yours

In summary, while both appraisers and real estate agents can provide insight into a property’s value, the difference between the two lies in their approach.

Appraisers provide an objective and independent analysis of a property’s value, while real estate agents provide their professional opinion based on their experience and local market knowledge and can reflect the price potential buyers are willing to pay. Online automated valuations tools typically come with disclaimers about their limits when providing you an “instant” value because it may not even be legal.