Why you should order an appraisal from All State Appraisal Partners, Inc.
To a lot of people, an appraisal is simply one more thing on the break-sheet for a home purchase or refinance. And while there are a growing number of automated home valuation systems that may seem more cost-effective than an appraisal, nearly all lenders still call in a local expert because the stakes are very high. Is getting a mortgage the only reason to acquire an appraisal? Are there additional cases when the services of a licensed, independent real estate professional could be helpful? Absolutely.
Contest your tax assessment
If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from All State Appraisal Partners, Inc. is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.
PMI removal to reduce a mortgage payment
When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, many lenders ask home buyers to take out this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. This extra payment is often lumped into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.
All State Appraisal Partners, Inc. will produce a statement regarding the value of your home, and the cost of the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with less stress
A divorce can be a particularly traumatic ordeal for both parties, and it is often even more complicated by the hard decision of who gets the house. 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, regardless of the circumstances.
If the parties wish 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.
Determine a fair and accurate valuation for estate liquidation
The death 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.
Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. And since a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.
Move to or from Iredell County through an employee relocation program
Employee relocation is a stressful event, and we understand. That's why we take great care in establishing 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 neighborhood that they want considered during our detailed inspection.
Sell your home quickly — for the right price
Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can 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 amount the house sells for. Our fees aren't related to the sales price, but rather they are calculated on our efforts to finish the appraisal report.
We analyze the difference in value things 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 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 homes are one the market.
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