Why get an appraisal from David Hesidenz Appraisals?

Thousands of people in Pennsylvania purchase, sell or refinance their home each year. A lot of these transactions involve a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation systems that might seem less expensive than an appraisal, almost all lenders still call for a local expert because the stakes are incredibly high. But is securing a mortgage the only reason to get an appraisal? Are there more cases when the services of a licensed, independent real estate professional could come in handy? You bet.


	Secure appraisal ordering is easy from David Hesidenz Appraisals. Just click here

Appeal your tax assessment in Butler County

It's likely 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 prices have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from David Hesidenz Appraisals is your best evidence. We're equipped to assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that nearly all lenders ask buyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. Since the added payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI installments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, David Hesidenz Appraisals will produce a statement regarding the value of your home. The price you paid for the appraisal can usually be recovered in just a few months because you'll no longer be paying the PMI.

An appraisal from David Hesidenz Appraisals will help you settle a divorce with less stress

A divorce is a very heartbreaking ordeal for the parties involved, and it is often further complicated by the difficult decision of who gets the house. 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 home, regardless of the circumstances.

If the parties need to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation with help from David Hesidenz AppraisalsSettling an estate

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property 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 wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. 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 vital importance to ensuring disputing parties leave knowing they've gotten a fair deal.

David Hesidenz Appraisals can help you with relocating to or from Butler County

We understand the headaches involved with an employee relocation. That's why 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 aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our intensive process.

Selling your home quickly at the right price with an appraisal from David Hesidenz Appraisals

A professional appraisal can help you make a better educated decision when determining your selling price, whether you want to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to determine 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.