6 Reasons to order an appraisal from David Hesidenz AppraisalsTo a lot of people, an appraisal is simply a line item in the long list of items for a home sale or refinance. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that may appear to be more cost-effective than an appraisal. Is getting a mortgage the only reason to acquire an appraisal? Are there additional situations when the services of a certified, independent real estate professional could be beneficial? Of course. 
Challenge your tax assessment in Butler CountyIf you reside 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. We can assist you in appealing your tax assessment. Eliminate PMI to lower your mortgage paymentWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, most lenders ask home buyers to take out this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress passed 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, David Hesidenz Appraisals can give you a statement regarding the value of your home. The price you paid for the appraisal can usually 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 onlineSettle a divorce with less stressA divorce is a very horrible experience for the parties involved, and it is often more complicated by the burdensome decision of who gets the home. So both parties are completely aware of the true market value of their home, it's a good idea to get an appraisal from David Hesidenz Appraisals, regardless of the situation. The parties will have a a good idea 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 gotten a fair evaluation. Fair and accurate estate liquidationThe loss of a loved one is a hard 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion. Most Americans don't have dedicated estate planners or executors to take care of these matters, unlike many wealthy individuals. 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 essential importance to ensuring disputing parties leave knowing they've received a fair deal. Move to or from Butler County for workEmployee relocation is a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, along with information about any current sales or listings in their neighborhood that they want considered during our thorough inspection. Sell your home quickly — for the right priceWhether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they depend 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. Seeking a professional appraisal is a trusted way to determine 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 properties stay on the market. 
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