Reasons to get an appraisal from Appraisal Services of Brandon, Inc .
Every year, thousands of people in Florida purchase, sell or refinance their home. Most of these transactions include a simple line item for an appraisal. The majority of lenders still call in a local expert because the stakes are so high, even though there are a developing number of automated home valuation systems that might appear to be less expensive than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there additional times when the services of a licensed, independent real estate professional might be beneficial? Of course.
Challenge your tax assessment in Hillsborough County
It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are based upon a previous assessment of your house, so if prices have gone down in your area, you can challenge your assessment and save money. An appraisal from Appraisal Services of Brandon, Inc . is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.
PMI removal to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask home owners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI isn't required 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 requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.
Appraisal Services of Brandon, Inc . can provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be regained in little 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 an especially daunting event for the parties involved, and it is often further complicated by the burdensome decision of who keeps the property. It's a good idea to get an appraisal from Appraisal Services of Brandon, Inc . so both parties are completely aware of the true market value of their house, regardless of the circumstances.
The parties will have a clearer picture of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Ascertain an accurate and fair valuation for estate liquidation
The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails 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 don't have dedicated estate planners or executors to take care of these matters, unlike wealthier individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received an honest deal.
Move to or from Hillsborough County through an employee relocation program
We are aware of the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our intensive inspection.
Sell your home quickly — for the right price
A professional appraisal can help you make a better educated decision regarding your selling price, whether you want to sell your home on your own or with the help 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 aren't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal report.
We examine the difference in value items like an extra 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 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 are one the market.