Why you should hire an appraiser

To a lot of people, an appraisal is simply another fee in the long list of items for a home purchase or refinance. While there are a budding number of automated home valuation methods that may seem cheaper than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are more situations when the services of a certified, independent real estate professional might come in handy.

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

Appeal your tax assessment

If you live in an area where the property value has 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 capable of assisting you in disputing 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 homebuyers to purchase when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, All State Appraisal Partners, Inc. will produce a statement regarding the value of your home. The cost of the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is a very traumatic event for the parties involved, and it is often more complicated by the hard decision of who keeps the home. Regardless of the situation, it's a good idea to order an appraisal from All State Appraisal Partners, Inc. so both parties are fully aware of the true market value of their home.

The parties will have a better idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation

The loss of a loved one is a hard 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).

Most Americans don't have dedicated estate planners or executors to handle these matters, unlike wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away 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 a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our intensive inspection.

Close on your home quickly — for the right price

A professional appraisal will help you make a better educated decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. 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 items like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted 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 properties are one the market.

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

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