Reasons to consider an appraisal from Appraisal Professionals
Thousands of people in Texas purchase, sell or refinance their home every year. A lot of these transactions include a simple line item for an appraisal. And while there are a budding number of automated home valuation processes that may appear to be more practical than an appraisal, the majority of lenders still want a local expert because the stakes are so high. Is obtaining a mortgage the only basis for getting an appraisal? Are there more instances when the services of a certified, independent real estate professional could be helpful? Absolutely.
Appeal your tax assessment in Hays County
If you live in an area where the property value has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.
Eliminate PMI to lower your mortgage payment
When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to purchase this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is lumped into the monthly mortgage payment and is soon forgotten. This is bad because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Appraisal Professionals can provide you with a statement regarding the value of your home. The expense of the appraisal can often be regained in just a few months because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce can be a very horrible experience for both parties, and it is often more complicated by the troublesome decision of who maintains the home. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Appraisal Professionals, 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 gotten a fair evaluation.
Ascertain an accurate and fair valuation for estate liquidation
The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Relocate to or from Hays County through an employee relocation program
Employee relocation is a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.
Sell your home promptly — at the right price
Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees rest on our efforts to complete the appraisal report and not a percentage of the sales price.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to decide 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 are one the market.