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While the housing market is showing many positive signs of stabilization, foreclosures and short sales are still affecting home values and leading to lower appraisals in many neighborhoods. As a Member of the Top 5 in Real Estate Network®, I am often asked for advice on refinancing not only in our Westchester County but for our relocation clients as well. If you are considering refinancing your home, there are several steps you should take to help ensure a better appraisal. Heeding these important tips can improve your refinancing options and save you time and money.