Let David Hesidenz Appraisals serve your appraisal needs

Every year, thousands of people in Pennsylvania purchase, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may appear less expensive than an appraisal. You might think that obtaining a mortgage is the only basis for getting an appraisal, but there are other cases when the services of a certified, independent real estate professional might be helpful.

Let David Hesidenz Appraisals help you lower your mortgage payment

Dispute your tax assessment in Butler County

If you are in an area where property values have declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment.

PMI removal to reduce your mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the property, most lenders ask home buyers to take out this added insurance policy. That policy is Private Mortgage Insurance, or PMI. More often than not, this extra payment is lumped into the monthly mortgage payment and is promptly forgotten. This is unfavorable because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.

David Hesidenz Appraisals can give you a statement regarding the value of your home, and the cost of the home valuation can often be regained in a short amount of time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is often complicated by the challenging decision of who keeps the home, and it can be a very traumatic ordeal for both parties. Regardless of the situation, it's a good idea to order an appraisal from David Hesidenz Appraisals so both parties are completely aware of the true market value of their property.

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 gotten a fair assessment.

Accurate and fair estate liquidation

The loss of a loved one is a painful 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. 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 don't have dedicated estate planners or executors to manage these affairs, unlike wealthier individuals. And since a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocate to or from Butler County through an employee relocation program

We understand the stress associated with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, along with information regarding any new sales or listings in their area that they want considered.

Sell your home promptly — at the right price

Whether you want 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 regarding your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they rest on our efforts to complete the appraisal report.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to decide 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, because we're experts in knowing how long homes are one the market.

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