Why you should get an appraisal from David Hesidenz Appraisals

Year after year, thousands of people in Pennsylvania purchase, sell or refinance their home. A lot of these transactions involve a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation methods that might appear cheaper than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there also situations when the services of a certified, independent real estate professional might be helpful? Of course there are.

Let David Hesidenz Appraisals help you lower your mortgage payment

Challenge your tax assessment

If you reside in an area where property values have 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 equipped to assist you in challenging your tax assessment.

PMI removal to reduce your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that most lenders ask home buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Oftentimes, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, David Hesidenz Appraisals will produce a statement regarding the value of your home. The price you paid for the home valuation can generally be recovered 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 is a very horrible experience for the parties involved, and it is often further complicated by the strenuous decision of who gets the property. Regardless of the situation, 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 property.

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

Accurate and fair estate liquidation

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike many wealthy 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 essential importance to ensuring disputing parties walk away 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 organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide remarks on the positive features of their property, along with information about any current sales or listings in their area that they want considered.

Close on your home promptly — for an accurate price

A professional appraisal will help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated 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. Obtaining a professional appraisal is a reliable way to decide 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 David Hesidenz Appraisals assist you in selling your home quickly at the right price