Try and get to the total bad credit home loan cost, including the closing fees, application fees, any other charges, interest charged, amortization and loan fees etc.
The appraiser is more objective and compares age, size, and cost-identifiable features in your home against other real estate properties, which have been sold in the area.
You could list your home with a traditional real estate company and pay 6-7% commission or you could try selling on your own "for sale buy owner".
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