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Yep. Wait until late mid January. :( We settled a house last year on December 14. Opened for 2 weekends before Christmas, had two applications, both very bad quality. We took it off the market over the break, advertised again 3 weeks later and had a choice of good applications within a...

Banks valuation is based on hard costs. First they value the land. They then look at the building contract to determine that the builder isn't charging to much. They add the figure on the building contract to the land value and you've got your result of $975,000. This is known as a hard cost...