Reasons to get an appraisal from Hixon & Associates, LLC (334) 215-0388

To many, an appraisal just looks like a line item in the long list of items for a home purchase or refinance. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation processes that may appear to be less expensive than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there more instances when the services of a licensed, independent real estate professional might be beneficial? Absolutely.

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

Challenge your tax assessment

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a previous assessment of your real estate, so if prices have gone down in your area, 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 equipped to assist you in challenging your tax assessment.

Get rid of PMI to lower your mortgage payment

When the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, nearly all lenders ask homeowners to buy this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Hixon & Associates, LLC (334) 215-0388 can produce a statement regarding the value of your home. The cost of the home valuation can usually be recovered in just a few months because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce is a very daunting ordeal for the parties involved, and it is often more complicated by the challenging decision of who keeps the property. So both parties are completely aware of the true market value of their house, it's a good idea to get an appraisal from Hixon & Associates, LLC (334) 215-0388, regardless of the circumstances.

The parties will have a clearer picture of what price to set, if they wish 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.

Determine an accurate and fair valuation for estate liquidation

The death of a loved one is a difficult 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).

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Move to or from Montgomery County through an employee relocation program

We know the headaches involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide remarks on the positive attributes of their property, along with information regarding any current sales or listings in their area that they want considered.

Sell your home promptly — for the right price

A professional appraisal will help you make a more informed decision when determining your selling price, whether you want to sell your home on your own or with the help of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price.

We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, getting a professional appraisal is a reliable 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.

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