Reasons to order an appraisal
Every year, thousands of people in Pennsylvania buy, sell or refinance their home. Most of these transactions consist of a simple line item for an appraisal. And even though there are a multiplying number of automated home valuation methods that may seem more practical than an appraisal, nearly all lenders still call for a local expert because the stakes are so high. You might think that getting a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a certified, independent real estate professional might come in handy.
Challenge 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. When building your case, an appraisal from us is your best evidence. At David Hesidenz Appraisals, we're qualified to assist you in appealing your tax assessment.
Remove 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, almost all lenders ask homeowners to take out this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, 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.
If you'd like to get rid of PMI, David Hesidenz Appraisals will provide you with a statement regarding the value of your home. The cost of the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.
Order an appraisal from David Hesidenz AppraisalsOrder today
Divorce settlement with fewer hang-ups
A divorce is often complicated by the hard decision of who gets the home, and it can be an especially daunting event for both parties. So both parties are fully aware of the true market value of their property, it's a good idea to order an appraisal from David Hesidenz Appraisals, regardless of the circumstances.
The parties will have a better 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 gotten a fair assessment.
Accurate and fair estate liquidation
The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the real estate involved. We ensure 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 do not have dedicated estate planners or executors to take care of these matters, unlike many wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Move to or from Butler County through an employee relocation program
Employee relocation is a stressful event, and we understand. We take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any new sales or listings in their area that they want considered.
Sell your home promptly — at an accurate price
A professional appraisal can help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to finish the appraisal report.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, obtaining a professional appraisal is a trusted way to determine what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.