Let Appraisal Professionals serve your appraisal needs

To many, an appraisal just looks like another fee on the settlement sheet for a home purchase or refinance. Even though there are a multiplying number of automated home valuation processes that might appear more economical than an appraisal, practically all lenders still call in a local expert because the stakes are very high. You might believe that obtaining a mortgage is the only reason to acquire an appraisal, but there are other instances when the services of a certified, independent real estate professional might come in handy.

Let Appraisal Professionals assist you in lowering your mortgage payment

Contest your tax assessment

It's quite possible 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 real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. At Appraisal Professionals, we're equipped to assist you in disputing your tax assessment.

Eliminating PMI for mortgage payments

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is damaging because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

Appraisal Professionals will give you a statement regarding the value of your home, and the expense of the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce is a very daunting experience for the parties involved, and it is often even more complicated by the troublesome decision of who maintains the home. It's a good idea to order an appraisal from Appraisal Professionals so both parties are fully 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 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

The loss of a loved one is a difficult 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 utmost 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 don't have dedicated estate planners or executors to take care of these issues. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Move to or from Hays County for work

Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, as well as information about any current sales or listings in their area that they want considered during our detailed inspection.

Close on your home quickly — for the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. Apart from 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 rest on our efforts to finish the appraisal report.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to determine what improvements will add value and what a suitable 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 houses stay on the market.

Let Appraisal Professionals assist you in selling your home quickly at the right price