Reasons to choose an appraisal from David Hesidenz Appraisals
Thousands of people in Pennsylvania purchase, sell or refinance their home each month. Most of these transactions have a simple line item for an appraisal. Almost all lenders still call in a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation processes that may appear more prudent than an appraisal. You might think that getting a mortgage is the only reason you should get an appraisal, but there are additional situations when the services of a certified, independent real estate professional might be helpful.
Challenge your tax assessment in Butler County
If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At David Hesidenz Appraisals, we're equipped to assist you in appealing your tax assessment.
PMI removal to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask homeowners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Most often, this extra payment is bundled into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to eliminate 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 will provide you with a statement regarding the value of your home. The cost of the home valuation 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 less stress
A divorce is often complicated by the troublesome decision of who gets the house, and it can be a particularly daunting occurrence for both parties. It's a good idea to get an appraisal from David Hesidenz Appraisals so both parties are fully aware of the true market value of their property, regardless of the situation.
If the parties want to sell the home, they'll have a a good 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 gotten a fair evaluation.
Fair and accurate estate liquidation
The death of a loved one is a difficult 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 maximum 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 manage these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value 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 Butler County for work
Employee relocation is a stressful event, and we understand. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide input on the positive characteristics of their property, along with information about any recent sales or listings in their area that they want considered.
Close on your home quickly — at the right price
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price.
We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesare on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.