Why you should order an appraisal from David Hesidenz Appraisals

Thousands of people in Pennsylvania buy, sell or refinance their home each year. Most of these transactions involve a simple line item for an appraisal. While there are a developing number of automated home valuation methods that might appear to be more prudent than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. Is obtaining a mortgage the only reason you should get an appraisal? Are there also instances when the services of a certified, independent real estate professional might be beneficial? You bet.

Let David Hesidenz Appraisals help you lower your mortgage payment

Challenge your tax assessment in Butler County

It's possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a past assessment of your real estate, so if prices have gone down in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.

Eliminating PMI for mortgage payments

When the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, most lenders ask home buyers to purchase this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this added payment is folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss 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 can give you a statement regarding the value of your home. The cost of the appraisal can generally be regained in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce is a particularly horrible ordeal for the parties involved, and it is often more complicated by the burdensome decision of who maintains the home. It's a good idea to get an appraisal from David Hesidenz Appraisals so both parties are entirely aware of the true market value of their house, regardless of the situation.

The parties will have a clearer picture 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.

Fair and accurate 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. 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 walk away knowing they've received an honest 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 establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our detailed inspection.

Sell your home quickly — at an accurate price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price.

We analyze 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 housesstay on the market. So, obtaining a professional appraisal is a trusted 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.

Let David Hesidenz Appraisals assist you in selling your home quickly at the right price