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The value of real estate has depreciated in most areas across the USA as you probably know. If your home is in an urban area most lenders will only accept comparables within a one mile radius, in a suburban area they will accept comparbles within a five mile radius, within a rural area they will accept comparables within a ten mile radius. Most comparables have to be within the past six months of the appraisal or no more than within one year. Lenders also have other guidelines in regards to square footage variances, lot size variance, age variances, room-bedroom and bath count variances, etc. If there are no comparables within the past six months to a year, which in this market may be not. You should see if your lender will accept older comparables up to three years old, if not I will search for other lenders that will accept your appraisal because some lenders will accept a further distance radius if there are no comparables found within the normal radius guidelines. I hope this helps. ATH (623) 237-3561
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