Let Appraisal Services of Brandon, Inc . handle your appraisal needs
To a lot of people, an appraisal just looks like another fee in the long list of items for a home purchase or refinance. Practically all lenders still call for a local expert because the stakes are so high, even though there are a growing number of automated home valuation processes that may appear to be more cost-effective than an appraisal. You might believe that getting a mortgage is the only basis for getting an appraisal, but there are additional instances when the services of a certified, independent real estate professional might come in handy.
Challenge your tax assessment
If you are in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Appraisal Services of Brandon, Inc . is your best evidence when building your case. At Appraisal Services of Brandon, Inc ., we're qualified to assist you in challenging your tax assessment.
Getting rid of your PMI for mortgage payments
Private Mortgage Insurance, or PMI, is an added insurance policy that many lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the home. Seeing that additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
Appraisal Services of Brandon, Inc . can produce a statement regarding the value of your home, and the expense of the appraisal can usually be regained in a short amount of time because you'll no longer be paying the PMI.
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Get a fair valuation on a home for divorce settlements
A divorce is often complicated by the troublesome decision of who keeps the property, and it can be an especially daunting ordeal for both parties. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from Appraisal Services of Brandon, Inc ., regardless of the circumstances.
If the parties want to sell the home, they'll have a a good 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 gotten a fair evaluation.
Determine a fair and accurate valuation for estate liquidation
The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for 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 do not have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. 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 walk away knowing they've gotten a fair deal.
Move to or from Hillsborough County for work
Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide remarks on the positive aspects of their property, along with information regarding any recent sales or listings in their area that they want considered.
Sell your home quickly — for the right price
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted way to determine 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.