Let David Hesidenz Appraisals take care of your appraisal needs

Year after year, thousands of people in Pennsylvania buy, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. Nearly all lenders still call for a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation processes that may seem less expensive than an appraisal. Is obtaining a mortgage the only basis for getting an appraisal? Are there other cases when the services of a certified, independent real estate professional could be helpful? Of course.

Let David Hesidenz Appraisals help you lower your mortgage payment

Challenge your tax assessment in Butler County

It's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your real estate, so if prices have declined in your area, you can challenge your assessment and save money. An appraisal from David Hesidenz Appraisals is your best evidence when building your case. At David Hesidenz Appraisals, we're equipped to assist you in challenging your tax assessment.

PMI removal to reduce a mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the home, most lenders ask buyers to buy this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often folded into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires 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 will provide you with a statement regarding the value of your home. The cost of the home valuation can generally be regained 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 take make a divorce settlement less stressful

A divorce is often complicated by the troublesome decision of who keeps the home, and it can be a very daunting occurrence for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from David Hesidenz Appraisals so both parties are entirely aware of the true market value of their house.

If the parties need 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 assessment.

Ascertain an accurate and fair valuation for estate liquidation

The loss of 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 ensure the fullest 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 manage these affairs. A home or other property often makes up a disproportionate 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 a fair deal.

Move to or from Butler County for work

Employee relocation is a stressful event, and we understand. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information about any current sales or listings in their neighborhood that they want considered during our detailed inspection.

Close on your home promptly — at the right price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can 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 aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.

We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable way to determine 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, because we're experts in knowing how long properties are one the market.

Let David Hesidenz Appraisals assist you in selling your home quickly at the right price