Why you should get an appraisalEach year, thousands of people in Pennsylvania purchase, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. Almost all lenders still call in a local expert because the stakes are so high, even though there are a developing number of automated home valuation methods that might appear cheaper than an appraisal. You might think that obtaining a mortgage is the only reason to get an appraisal, but there are additional instances when the services of a certified, independent real estate professional could be helpful. 
Challenge your tax assessment in Butler CountyIf you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from David Hesidenz Appraisals is your best evidence when building your case. At David Hesidenz Appraisals, we're equipped to assist you in disputing your tax assessment. PMI removal to lower your mortgage paymentWhen the amount being loaned to the buyeris more than 80% of the actual value of the property, almost all lenders ask homebuyers to buy this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases 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) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met. David Hesidenz Appraisals will provide you with a statement regarding the value of your home, and 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 an appraisal from David Hesidenz Appraisals Order onlineDivorce settlement with fewer hang-upsA divorce is often complicated by the troublesome decision of who gets the house, and it can be a very horrible event for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from David Hesidenz Appraisals so both parties are entirely aware of the true market value of their house. If the parties need to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Accurate and fair estate liquidationThe loss 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 highest 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 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 Butler County for workWe understand the stress involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information about any new sales or listings in their area that they want considered during our intensive inspection. Close on your home promptly — at an accurate priceA professional appraisal can help you make a more informed decision regarding your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report. On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a trusted 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. 
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