Let David Hesidenz Appraisals serve your appraisal needs
To a lot of us, an appraisal is simply another fee on the break-sheet for a home sale or refinance. And even though there are a multiplying number of automated home valuation methods that might appear to be more prudent than an appraisal, practically all lenders still need a local expert because the stakes are very high. Is obtaining a mortgage the only reason to acquire an appraisal? Are there additional times when the services of a certified, independent real estate professional might be helpful? Absolutely.
Appeal your tax assessment in Butler County
If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from David Hesidenz Appraisals is your best evidence when building your case. At David Hesidenz Appraisals, we're capable of assisting you in disputing your tax assessment.
Eliminating PMI for mortgage payments
When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, many lenders ask buyers to purchase this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, David Hesidenz Appraisals can give you a statement regarding the value of your home. The cost of the home valuation can usually be offset in little time because you'll no longer be paying the PMI.
Get your appraisal from David Hesidenz AppraisalsOrder today
Settle a divorce with fewer hang-ups
A divorce is often complicated by the difficult decision of who gets the property, and it can be a very daunting experience for both parties. Regardless of the situation, it's a good idea to get an appraisal from David Hesidenz Appraisals so both parties are completely aware of the true market value of their home.
The parties will have a better idea of what price to set, if they want to sell the home. 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 painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate 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 don't have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. 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 significant importance to ensuring disputing parties walk away knowing they've received an honest deal.
Move to or from Butler County for work
We are familiar with the stress involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information regarding any new sales or listings in their area that they want considered during our intensive 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. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.
We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable 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, because we're experts in knowing how long houses are one the market.