Why you should order an appraisal from Hixon & Associates, LLC (334) 215-0388

Every year, thousands of people in Alabama purchase, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. Nearly all lenders still call in a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation methods that may seem less expensive than an appraisal. Is getting a mortgage the only reason you should get an appraisal? Are there also situations when the services of a certified, independent real estate professional could be beneficial? Of course.

Let Hixon & Associates, LLC (334) 215-0388 help you lower your mortgage payment

Contest 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. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in challenging your tax assessment.

Get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask home owners to buy when the amount being loaned to the home owner is more than 80% of the actual value of the property. Oftentimes, this extra payment is lumped into the monthly mortgage payment and is soon forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

Hixon & Associates, LLC (334) 215-0388 can produce a statement regarding the value of your home, and the cost of the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI.

Order your appraisal from Hixon & Associates, LLC (334) 215-0388 today

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Get a clear valuation on a home for divorce settlements

A divorce is often complicated by the strenuous decision of who maintains the house, and it can be a very horrible event for both parties. Regardless of the situation, it's a good idea to get an appraisal from Hixon & Associates, LLC (334) 215-0388 so both parties are fully aware of the true market value of their house.

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

Ascertain a fair and accurate valuation for estate liquidation

Losing 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these issues. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Montgomery County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information about any recent sales or listings in their neighborhood that they want considered during our intensive inspection.

Close on your home promptly — for the right price

A professional appraisal will help you make a better educated decision when determining your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to finish the appraisal report and not a percentage of the sales price.

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 reliable 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.

Let Hixon & Associates, LLC (334) 215-0388 assist you in selling your home quickly at the right price