Let Appraisal Professionals attend to your appraisal needs

Thousands of people in Texas buy, sell or refinance their home every month. A lot of these transactions consist of a simple line item for an appraisal. Almost all lenders still call in a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation methods that may appear to be more practical than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there also instances when the services of a licensed, independent real estate professional might be helpful? Absolutely.

Let Appraisal Professionals assist you in lowering your mortgage payment

Contest your tax assessment in Hays County

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 appealing your tax assessment.

PMI removal to reduce your mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, almost all lenders ask home owners to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often lumped into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Appraisal Professionals will give you a statement regarding the value of your home. The cost of the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce can be an especially daunting experience for both parties, and it is often more complicated by the burdensome decision of who gets the property. Regardless of the situation, it's a good idea to get an appraisal from Appraisal Professionals so both parties are completely aware of the true market value of their home.

The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Determine an accurate and fair valuation for estate liquidation

Losing a loved one is a difficult 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these issues. A home or other property often makes up an unequal 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 walk away knowing they've received a fair deal.

Move to or from Hays County through an employee relocation program

We understand the headaches associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide feedback on the positive attributes of their property, along with information about any new sales or listings in their area that they want considered.

Close on your home promptly — at an accurate price

Whether you choose 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 regarding your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a trusted 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.

Let Appraisal Professionals help you sell your home quickly at the right price