Why you should get an appraisal from ASAP Appraisal Services, Inc.
Thousands of people in Arizona buy, sell or refinance their home every year. Many of these transactions contain a simple line item for an appraisal. And while there are a budding number of automated home valuation systems that may seem more economical than an appraisal, almost all lenders still need a local expert because the stakes are very high. You might believe that securing a mortgage is the only reason to acquire an appraisal, but there are more times when the services of a licensed, independent real estate professional might come in handy.
Dispute your tax assessment in Maricopa County
It's probable 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 house, so if values have gone down in your area, you can appeal your assessment and save money. An appraisal from ASAP Appraisal Services, Inc. is your best evidence when building your case. At ASAP Appraisal Services, Inc., we're qualified to assist you in appealing your tax assessment.
PMI removal to reduce your mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask buyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the property. More often than not, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to get rid of PMI, ASAP Appraisal Services, Inc. can give you a statement regarding the value of your home. The expense of the appraisal can often be offset in a short amount of time because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce can be a particularly horrible ordeal for both parties, and it is often even more complicated by the challenging decision of who keeps the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from ASAP Appraisal Services, Inc., regardless of the situation.
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 assessment.
Ascertain a fair and accurate valuation for estate liquidation
The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.
Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Relocate to or from Maricopa County for work
We are aware of the stress associated with an employee relocation. We take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide input on the positive attributes of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered.
Sell your home quickly — at the right price
A professional appraisal will help you make a more informed decision regarding your selling 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 determine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, obtaining a professional appraisal is a trusted way to decide what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.