Reasons to order an appraisal from All State Appraisal Partners, Inc.
To a lot of people, an appraisal is simply another fee on the settlement sheet for a mortgage or refinance. While there are a multiplying number of automated home valuation processes that might seem more cost-effective than an appraisal, most lenders still want a local expert because the stakes are very high. Is getting a mortgage the only basis for getting an appraisal? Are there other situations when the services of a certified, independent real estate professional might be beneficial? Of course.
Appeal your tax assessment in Iredell County
If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At All State Appraisal Partners, Inc., we're equipped to assist you in disputing your tax assessment.
Eliminate PMI to lower your mortgage payment
When the amount being loaned to the home buyeris more than 80% of the actual value of the property, nearly all lenders ask homebuyers to buy this added insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often bundled into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress passed 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.
All State Appraisal Partners, Inc. can give you a statement regarding the value of your home, and the price you paid for the appraisal can often be offset in little time because you'll no longer be paying the PMI.
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Get a clear valuation on a home for divorce settlements
A divorce is an especially horrible experience for the parties involved, and it is often even more complicated by the hard decision of who maintains the property. It's a good idea to order an appraisal from All State Appraisal Partners, Inc. so both parties are entirely aware of the true market value of their home, regardless of the situation.
If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Fair and accurate estate liquidation
Losing a loved one is a difficult 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. 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 significant importance to ensuring disputing parties leave knowing they've received an honest deal.
Move to or from Iredell County through an employee relocation program
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. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered during our intensive inspection.
Sell your home quickly — at the right 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 rest on our efforts to finish 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. Getting a professional appraisal is a reliable way to determine 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, because we're experts in knowing how long houses stay on the market.
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