Reasons you should order an appraisal from ASAP Appraisal Group
To a lot of people, an appraisal is simply a line item on the break-sheet for a mortgage or refinance. Practically all lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation processes that might appear more cost-effective than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there also situations when the services of a licensed, independent real estate professional could be beneficial? Of course.
Challenge your tax assessment in Polk County
It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are determined by a previous assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in appealing your tax assessment.
Removing PMI for mortgage payments
Private Mortgage Insurance, or PMI, is an added insurance policy that most lenders ask buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the property. More often than not, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, ASAP Appraisal Group will provide you with a statement regarding the value of your home. The price you paid for the home valuation can often be recovered in little time 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 even more complicated by the hard decision of who gets the house. Regardless of the circumstances, it's a good idea to order an appraisal from ASAP Appraisal Group so both parties are entirely aware of the true market value of their property.
The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Determine an accurate and fair valuation for estate liquidation
The loss of a loved one is a difficult 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 guarantee 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 many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these issues. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Move to or from Polk County for work
Employee relocation can be a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide feedback on the positive attributes of their property, along with information about any new sales or listings in their area that they want considered.
Sell your home quickly — for an accurate price
Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. 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 homes stay on the market.