Reasons to get an appraisal from David Hesidenz Appraisals

Every year, thousands of people in Pennsylvania buy, sell or refinance their home. Many of these transactions contain a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are very high, even though there are an increasing number of automated home valuation systems that may appear less expensive than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there more instances when the services of a certified, independent real estate professional could come in handy? Of course there are.

Let David Hesidenz Appraisals assist you in lowering your mortgage payment

Appeal your tax assessment

If you reside in an area where the property value has declined, 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 challenging your tax assessment.

Eliminate PMI to lower your mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, nearly all lenders ask home owners to purchase this added insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the additional 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 - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

David Hesidenz Appraisals will produce a statement regarding the value of your home, and 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 fewer hang-ups

A divorce is an especially daunting event for the parties involved, and it is often more complicated by the hard decision of who gets the home. 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 house.

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

Accurate and fair 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 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).

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocate to or from Butler County through an employee relocation program

Employee relocation is a stressful event, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered during our thorough inspection.

Sell your home quickly — at the right price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will 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, unlike 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 things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted 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 properties are one the market.

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