Why you should get an appraisal from David Hesidenz AppraisalsTo a lot of people, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Nearly all lenders still need a local expert because the stakes are very high, even though there are an increasing number of automated home valuation methods that might appear less expensive than an appraisal. Is obtaining a mortgage the only reason you should get an appraisal? Are there also instances when the services of a certified, independent real estate professional could be beneficial? You bet. 
Challenge your tax assessment in Butler CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your house, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homeowneris more than 80% of the actual value of the property, nearly all lenders ask buyers to purchase this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is bad because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. If you'd like to eliminate PMI, David Hesidenz Appraisals can produce a statement regarding the value of your home. The cost of the appraisal can often be recovered in a short amount of time because you'll no longer be paying the PMI. Order your appraisal from David Hesidenz Appraisals today Order todaySettle a divorce with fewer hang-upsA divorce is often complicated by the troublesome decision of who maintains the house, and it can be an especially traumatic ordeal for both parties. It's a good idea to order an appraisal from David Hesidenz Appraisals so both parties are completely aware of the true market value of their home, regardless of the circumstances. If the parties wish to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Ascertain an accurate and fair valuation for estate liquidationThe loss of 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 residential property involved. We guarantee 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 do not have dedicated estate planners or executors to take care of these matters, unlike many wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Butler County for workEmployee relocation can be a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide input on the positive features of their property, along with information regarding any new sales or listings in their neighborhood that they want considered. Sell your home quickly — for the right priceA professional appraisal will help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and and aren't related to the sales price. 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 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, because we're experts in knowing how long houses are one the market. 
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