Let Appraisal Professionals attend to your appraisal needs
Thousands of people in Texas buy, sell or refinance their home each month. Many of these transactions have a simple line item for an appraisal. Nearly all lenders still call for a local expert because the stakes are so high, even though there are a growing number of automated home valuation methods that might appear less expensive than an appraisal. You might believe that obtaining a mortgage is the only reason you should get an appraisal, but there are other cases when the services of a certified, independent real estate professional could be beneficial.
Dispute your tax assessment
If you live in an area where the property value has depreciated, 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 challenging your tax assessment.
PMI removal to reduce a mortgage payment
When the amount being loaned to the buyeris more than 80% of the actual value of the property, almost all lenders ask home owners to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Very often, this added payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. 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 do away with PMI, Appraisal Professionals can give you a statement regarding the value of your home. The cost of the home valuation can generally be regained in little time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is often complicated by the strenuous decision of who gets the property, and it can be a particularly horrible occurrence for both parties. It's a good idea to order an appraisal from Appraisal Professionals so both parties are completely aware of the true market value of their home, regardless of the situation.
If the parties wish to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation
Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocate to or from Hays County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide feedback on the positive features of their property, along with information about any new sales or listings in their neighborhood that they want considered.
Sell your home promptly — at the right price
A professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to complete the appraisal report.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a reliable way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.