Reasons to order an appraisal from David Hesidenz Appraisals
Every year, thousands of people in Pennsylvania buy, sell or refinance their home. Most of these transactions involve a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are very high, even though there are a multiplying number of automated home valuation systems that might seem more prudent than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are additional cases when the services of a certified, independent real estate professional could be helpful.
Challenge your tax assessment in Butler County
If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from David Hesidenz Appraisals is your best evidence when building your case. We can assist you in disputing your tax assessment.
PMI removal to lower your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask home owners to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the home. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, David Hesidenz Appraisals will give you a statement regarding the value of your home. The price you paid for the appraisal can generally be offset in just a few months because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is an especially daunting experience for the parties involved, and it is often more complicated by the burdensome decision of who maintains the house. Regardless of the situation, it's a good idea to order an appraisal from David Hesidenz Appraisals so both parties are entirely aware of the true market value of their home.
The parties will have a clearer picture of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Determine a fair and accurate valuation for estate liquidation
The death of a loved one is a painful 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 ensure 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 matters. A home or other property often makes up an uneven 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 an honest deal.
Move to or from Butler County through an employee relocation program
We know the stress involved with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered during our detailed inspection.
Sell your home promptly — for an accurate price
Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees rest on our efforts to complete the appraisal report and not a percentage of the sales price.
On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, seeking a professional appraisal is a trusted 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.