Why you should get an appraisal
To a lot of people, an appraisal is simply another cost on the settlement sheet for a mortgage or refinance. Almost all lenders still want a local expert because the stakes are so high, even though there are a budding number of automated home valuation systems that may appear to be less expensive than an appraisal. You might assume that securing a mortgage is the only reason you should get an appraisal, but there are other cases when the services of a certified, independent real estate professional might come in handy.
Contest your tax assessment in Barnstable County
If you are in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Barnstable/Plymouth Appraisal Services is your best evidence when building your case. We can assist you in disputing your tax assessment.
Get rid of PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance plan that nearly all lenders ask homeowners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. This additional payment is often bundled into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
Barnstable/Plymouth Appraisal Services can provide you with a statement regarding the value of your home, and the expense of the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is often complicated by the challenging decision of who maintains the home, and it can be an especially daunting occurrence for both parties. Regardless of the situation, it's a good idea to order an appraisal from Barnstable/Plymouth Appraisal Services so both parties are entirely aware of the true market value of their property.
If the parties wish 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 evaluation.
Determine a fair and accurate valuation for estate liquidation
The death of a loved one is a painful 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. We guarantee the maximum 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 take care of these issues, unlike many wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Relocate to or from Barnstable 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 input on the positive features of their property, along with information about any new sales or listings in their area that they want considered during our thorough inspection.
Close on your home quickly — at the right price
A professional appraisal can help you make a more informed decision when determining your selling price, whether you decide 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 depend on our efforts to finish the appraisal report.
We analyze 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 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 homes are one the market.