Let Barnstable/Plymouth Appraisal Services attend to your appraisal needs
To a lot of us, an appraisal is simply one more thing in the long list of items for a home sale or refinance. And while there are an increasing number of automated home valuation processes that may seem more prudent than an appraisal, nearly all lenders still need a local expert because the stakes are very high. You might believe that securing a mortgage is the only reason to get an appraisal, but there are additional cases when the services of a certified, independent real estate professional might be helpful.
Challenge your tax assessment in Barnstable County
If you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from Barnstable/Plymouth Appraisal Services is your best evidence when building your case. We can assist you in appealing your tax assessment.
PMI removal to lower your mortgage payment
When the amount being loaned to the home owneris more than 80% of the actual value of the property, almost all lenders ask home owners to take out this added insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.
Barnstable/Plymouth Appraisal Services will provide you with a statement regarding the value of your home, and the expense of the appraisal can generally 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 is often complicated by the burdensome decision of who gets the house, and it can be a particularly daunting ordeal for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Barnstable/Plymouth Appraisal Services 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 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 gotten a fair evaluation.
Fair and accurate estate liquidation
Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee 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 many wealthy 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 significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Relocate to or from Barnstable County for work
Employee relocation is a stressful event, and we understand. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any current sales or listings in their neighborhood that they want considered during our thorough inspection.
Close on your home promptly — at the right price
A professional appraisal will help you make a better educated 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. Apart from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.
We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting 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, because we're experts in knowing how long houses are one the market.