Reasons to order an appraisal from David Hesidenz Appraisals

Each year, thousands of people in Pennsylvania purchase, sell or refinance their home. Many of these transactions have a simple line item for an appraisal. Even though there are a growing number of automated home valuation methods that may appear less expensive than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason to get an appraisal, but there are other instances when the services of a licensed, independent real estate professional could be beneficial.

Let David Hesidenz Appraisals assist you in lowering your mortgage payment

Appeal your tax assessment

It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a previous assessment of your house, so if values have gone down in your neighborhood, you can challenge your assessment and save money. 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.

PMI removal to reduce your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance policy that many lenders ask homebuyers to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. This extra payment is often lumped into the monthly mortgage payment and is quickly forgotten. PMI is unnecessary when the remaining balance 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 eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, David Hesidenz Appraisals can produce a statement regarding the value of your home. The expense of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

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Get a fair valuation on a home take make a divorce settlement less stressful

A divorce can be a particularly horrible ordeal for both parties, and it is often even more complicated by the hard decision of who maintains 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 property, regardless of the situation.

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

Accurate and fair estate liquidation

The death of a loved one is a hard 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these issues, unlike many wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Butler County through an employee relocation program

We are familiar with the stress involved with an employee relocation. We take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide input on the positive aspects of their property, as well as information about any recent sales or listings in their area that they want considered.

Close on your home promptly — at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to complete the appraisal report.

We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable 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 properties stay on the market.

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