6 Reasons to order an appraisal from

To many, an appraisal just looks like another cost in the long list of items for a home sale or refinance. Most lenders still call for a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that might appear more practical than an appraisal. You might think that obtaining a mortgage is the only reason to acquire an appraisal, but there are other situations when the services of a licensed, independent real estate professional might be beneficial.

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Appeal your tax assessment

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your house, so if prices have gone down in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At , we're qualified to assist you in challenging your tax assessment.

Eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the real estate. This additional payment is often folded into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, will give you a statement regarding the value of your home. The price you paid for the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce is a very horrible ordeal for the parties involved, and it is often even more complicated by the hard decision of who keeps the house. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from , regardless of the circumstances.

The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Determine a fair and accurate valuation for estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocate to or from Carolina County through an employee relocation program

We know the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any recent sales or listings in their area that they want considered during our detailed inspection.

Close on your home quickly — for an accurate price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties stay on the market.

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