Reasons to get an appraisal from All State Appraisal Partners, Inc.

Thousands of people in North Carolina buy, sell or refinance their home each month. Many of these transactions contain a simple line item for an appraisal. Practically all lenders still call in a local expert because the stakes are very high, even though there are a developing number of automated home valuation methods that may seem cheaper than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there other cases when the services of a licensed, independent real estate professional could be helpful? You bet there are.

Let All State Appraisal Partners, Inc. help you lower 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 determined by a previous assessment of your home, so if prices have gone down in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment.

Eliminating PMI for mortgage payments

When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, many lenders ask home buyers to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. More often than not, this added payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, 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.

All State Appraisal Partners, Inc. can produce a statement regarding the value of your home, and the cost of the home valuation can usually be recovered in little time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the difficult decision of who maintains the property, and it can be a particularly horrible event for both parties. 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 need to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation

The death of 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 residential property involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to take care of these issues. And since a home or other property often makes up a disproportionate 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.

Relocate to or from Iredell County through an employee relocation program

We are familiar with the stress involved with an employee relocation. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide input on the positive characteristics of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered.

Close on your home quickly — at the right price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate 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. assist you in selling your home quickly at the right price

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