Reasons to choose an appraisal from Proficient Appraisal Services, LLC
To many, 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 processes that might seem more cost-effective than an appraisal, practically all lenders still call for a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a licensed, independent real estate professional could be beneficial.
Dispute your tax assessment
It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Proficient Appraisal Services, LLC, we're qualified to assist you in disputing your tax assessment.
Remove PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance plan that many lenders ask homeowners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Most often, this added payment is lumped into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Proficient Appraisal Services, LLC will give you a statement regarding the value of your home. The cost of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.
Order your appraisal from Proficient Appraisal Services, LLC todayOrder today
Settle a divorce with less stress
A divorce is a very horrible ordeal for the parties involved, and it is often further complicated by the challenging decision of who gets the property. Regardless of the situation, it's a good idea to get an appraisal from Proficient Appraisal Services, LLC so both parties are completely aware of the true market value of their home.
If the parties want 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 gotten a fair evaluation.
Accurate and fair estate liquidation
The loss 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 guarantee the highest 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 manage 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 significant importance to ensuring disputing parties leave knowing they've received a fair deal.
Move to or from Braxton 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 an accommodating appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide feedback on the positive aspects of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered.
Close on your home promptly — for the right price
A professional appraisal can help you make a more informed decision regarding your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees depend on our efforts to finish the appraisal report and and aren't related to the sales price.
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 reliable way to determine 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 houses stay on the market.