Let Hixon & Associates, LLC (334) 215-0388 attend to your appraisal needs
To a lot of us, an appraisal is simply another cost in the long list of items for a mortgage or refinance. Almost all lenders still need a local expert because the stakes are so high, even though there are a budding number of automated home valuation processes that may appear more economical than an appraisal. Is securing a mortgage the only reason to acquire an appraisal? Are there more instances when the services of a certified, independent real estate professional could come in handy? Absolutely.
Contest your tax assessment in Montgomery County
It's likely you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your home, so if prices have declined in your neighborhood, you can challenge your assessment and save money. An appraisal from Hixon & Associates, LLC (334) 215-0388 is your best evidence when building your case. At Hixon & Associates, LLC (334) 215-0388, we're qualified to assist you in disputing your tax assessment.
Remove PMI to lower your mortgage payment
When the amount being loaned to the homeowneris more than 80% of the actual value of the home, many lenders ask home buyers to purchase this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is bundled into the monthly mortgage payment and is promptly forgotten. PMI is no longer required when the remaining 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 implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Hixon & Associates, LLC (334) 215-0388 will provide you with a statement regarding the value of your home. The cost of the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI.
Order your appraisal from Hixon & Associates, LLC (334) 215-0388 todayOrder today
Get a fair valuation on a home take make a divorce settlement less stressful
A divorce is a particularly horrible event for the parties involved, and it is often further complicated by the challenging decision of who keeps the property. Regardless of the situation, it's a good idea to order an appraisal from Hixon & Associates, LLC (334) 215-0388 so both parties are fully aware of the true market value of their house.
The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Ascertain an accurate and fair valuation for estate liquidation
The loss 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 real estate involved. We ensure the utmost 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 issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate 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.
Move to or from Montgomery County through an employee relocation program
We know the stress involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide remarks on the positive attributes 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
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees rest on our efforts to complete the appraisal report and and aren't related to the sales price.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, getting 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.