6 Reasons to choose an appraisal from David Hesidenz Appraisals
To many, an appraisal is simply another cost in the long list of items for a mortgage or refinance. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation processes that might appear cheaper than an appraisal. Is getting a mortgage the only basis for getting an appraisal? Are there additional times when the services of a licensed, independent real estate professional might come in handy? Absolutely.
Challenge your tax assessment
If you reside in an area where the property value has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.
Eliminating PMI for mortgage payments
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that most lenders ask homeowners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, David Hesidenz Appraisals can give you a statement regarding the value of your home. The expense of the appraisal can usually 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 a particularly horrible experience for the parties involved, and it is often more complicated by the strenuous 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 completely aware of the true market value of their house.
The parties will have a a good idea of what price to set, if they need 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
Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property 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).
Most Americans don't have dedicated estate planners or executors to handle these affairs, unlike wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Relocate to or from Butler County for work
We are aware of the headaches involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide feedback on the positive attributes of their property, as well as information regarding any recent sales or listings in their neighborhood that they want considered.
Close on your home promptly — for an accurate price
A professional appraisal will help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price.
We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a trusted way to decide 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.