Reasons to choose an appraisal from Hixon & Associates, LLC (334) 215-0388
To many, an appraisal is simply one more thing on the settlement sheet for a mortgage or refinance. And even though there are a multiplying number of automated home valuation processes that may appear less expensive than an appraisal, nearly all lenders still want a local expert because the stakes are so high. Is obtaining a mortgage the only reason to get an appraisal? Are there other instances when the services of a certified, independent real estate professional could be helpful? You bet there are.
Contest your tax assessment
If you are in an area where the value of property has declined, it's possible you're paying too much in property taxes. An appraisal from Hixon & Associates, LLC (334) 215-0388 is your best evidence when building your case. We're capable of assisting you in challenging your tax assessment.
Removing PMI for mortgage payments
When the amount being loaned to the home owneris more than 80% of the actual value of the home, nearly all lenders ask buyers to purchase this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining 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 invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Hixon & Associates, LLC (334) 215-0388 will give you a statement regarding the value of your home. The cost of the appraisal can usually be recovered in a short amount of time 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 traumatic ordeal for both parties, and it is often more complicated by the challenging decision of who maintains the home. 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 property.
If the parties need to sell the home, they'll have a better idea 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 evaluation.
Accurate and fair estate liquidation
The death of a loved one is a painful 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 guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. And since a home or other property often makes up an uneven share of the total estate value, understanding the true value 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 Montgomery County through an employee relocation program
We know the headaches involved with an employee relocation. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any recent sales or listings in their area that they want considered.
Sell your home quickly — for 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 more informed decision regarding your selling price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated 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 homesstay on the market. So, obtaining a professional appraisal is a reliable way to decide what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.