Reasons to order an appraisal from Appraisal ProfessionalsTo a lot of people, an appraisal just looks like a line item in the long list of items for a home purchase or refinance. The majority of lenders still call in a local expert because the stakes are very high, even though there are an increasing number of automated home valuation systems that may appear to be more cost-effective than an appraisal. You might think that getting a mortgage is the only reason to acquire an appraisal, but there are additional cases when the services of a certified, independent real estate professional could be beneficial. 
Dispute your tax assessment in Hays CountyIf you live 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. At Appraisal Professionals, we're equipped to assist you in appealing your tax assessment. PMI removal to reduce your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the property, nearly all lenders ask home buyers to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to get rid of PMI, Appraisal Professionals will provide you with a statement regarding the value of your home. The price you paid for the appraisal can often be regained in little time because you'll no longer be paying the PMI. Order your appraisal from Appraisal Professionals today Order todayDivorce settlement with fewer hang-upsA divorce is a very daunting experience for the parties involved, and it is often further complicated by the difficult decision of who maintains the home. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from Appraisal Professionals, regardless of the situation. The parties will have a clearer picture of what price to set, if they want 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 a fair and accurate valuation for estate liquidationLosing a loved one is a hard 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, guaranteeing the utmost degree of discretion. Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these issues. A home or other property often makes up an uneven share of the total estate value, so knowing the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal. Relocate to or from Hays County for workEmployee 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. During our intensive inspection, we encourage relocating employees to provide input on the positive aspects of their property, along with information about any recent sales or listings in their area that they want considered. Sell your home promptly — at an accurate priceWhether 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 when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price. We determine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long housesstay on the market. So, seeking 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. 
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