6 Reasons you should order an appraisal from All State Appraisal Partners, Inc.

Every year, thousands of people in North Carolina purchase, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. Most lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that may seem more cost-effective than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there other times when the services of a licensed, independent real estate professional could be beneficial? Of course there are.

Let All State Appraisal Partners, Inc. assist you in lowering your mortgage payment

Challenge your tax assessment in Iredell County

It's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a previous assessment of your home, so if prices have gone down in your area, you can appeal your assessment and save money. An appraisal from All State Appraisal Partners, Inc. is your best evidence when building your case. We're equipped to assist you in challenging your tax assessment.

Get rid of PMI to lower your mortgage payment

When the amount being loaned to the home owneris more than 80% of the actual value of the property, nearly all lenders ask home buyers to purchase this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this extra payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

All State Appraisal Partners, Inc. will provide you with a statement regarding the value of your home, and the expense of the home valuation can often be recovered in little time because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce is often complicated by the difficult decision of who gets the home, and it can be an especially traumatic occurrence for both parties. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from All State Appraisal Partners, Inc., regardless of the situation.

If the parties need to sell the home, they'll have a better 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 received a fair assessment.

Ascertain a fair and accurate 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 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).

Most Americans do not have dedicated estate planners or executors to handle these matters, unlike wealthier individuals. 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 vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocate to or from Iredell County for work

Employee relocation is a stressful event, and we understand. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide remarks on the positive attributes of their property, along with information about any recent sales or listings in their area that they want considered.

Sell your home quickly — at an accurate price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Obtaining 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, because we're experts in knowing how long houses stay on the market.

Let All State Appraisal Partners, Inc. help you sell your home quickly at the right price

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