Let David Hesidenz Appraisals attend to your appraisal needs

Thousands of people in Pennsylvania purchase, sell or refinance their home every year. Many of these transactions consist of a simple line item for an appraisal. Even though there are a growing number of automated home valuation processes that might appear to be more prudent than an appraisal, the majority of lenders still need a local expert because the stakes are very high. Is getting a mortgage the only reason you should get an appraisal? Are there other cases when the services of a certified, independent real estate professional might be beneficial? Absolutely.

Let David Hesidenz Appraisals help you lower your mortgage payment

Challenge your tax assessment in Butler County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your house, so if prices are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from David Hesidenz Appraisals is your best evidence when building your case. At David Hesidenz Appraisals, we're equipped to assist you in challenging your tax assessment.

Eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that nearly all lenders ask homebuyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. Since the additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

David Hesidenz Appraisals can provide you with a statement regarding the value of your home, and the expense of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce can be a very traumatic event for both parties, and it is often even more complicated by the difficult decision of who keeps the property. 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 house, regardless of the situation.

The parties will have a good idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Determine an accurate and fair valuation for estate liquidation

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Move to or from Butler County through an employee relocation program

We are familiar with the stress involved with an employee relocation. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered during our intensive inspection.

Close on your home promptly — at an accurate price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling 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 finish the appraisal report.

On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. 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 properties are one the market.

Let David Hesidenz Appraisals help you sell your home quickly at the right price