Let David Hesidenz Appraisals take care of your appraisal needs

Thousands of people in Pennsylvania purchase, sell or refinance their home every month. Many of these transactions include a simple line item for an appraisal. Practically all lenders still need a local expert because the stakes are so high, even though there are an increasing number of automated home valuation processes that might appear to be more cost-effective than an appraisal. You might believe that getting 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 be helpful.

Let David Hesidenz Appraisals help you lower your mortgage payment

Appeal your tax assessment

If you live in an area where the value of property 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're qualified to assist you in disputing your tax assessment.

PMI removal to reduce a mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that nearly all lenders ask homeowners to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. Seeing that additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, David Hesidenz Appraisals can provide you with a statement regarding the value of your home. The cost of the appraisal can generally 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 fewer hang-ups

A divorce can be a particularly daunting experience for both parties, and it is often even more complicated by the challenging decision of who keeps the property. So both parties are completely aware of the true market value of their property, it's a good idea to order an appraisal from David Hesidenz Appraisals, regardless of the situation.

If the parties need to sell the home, they'll have a better 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 received a fair assessment.

Ascertain 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 entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee 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 don't have dedicated estate planners or executors to take care of these issues. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received an honest deal.

Relocate to or from Butler County through an employee relocation program

We are aware of the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive features of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Close on your home promptly — at the right price

A professional appraisal will help you make a more informed decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees rest on our efforts to finish the appraisal report and and aren't related to the sales price.

We examine 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 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 homes stay on the market.

Let David Hesidenz Appraisals help you sell your home quickly at the right price