Let Appraisal Options, Inc. attend to your appraisal needs

Thousands of people in Florida buy, sell or refinance their home every month. Many of these transactions include a simple line item for an appraisal. Even though there are a growing number of automated home valuation methods that might appear cheaper than an appraisal, most lenders still call in a local expert because the stakes are incredibly high. Is getting a mortgage the only reason you should get an appraisal? Are there other instances when the services of a licensed, independent real estate professional might be helpful? Of course there are.

Let Appraisal Options, Inc. assist you in lowering your mortgage payment

Dispute your tax assessment

It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are determined by a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in challenging your tax assessment.

PMI removal to reduce a mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that almost all lenders ask homebuyers to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the property. This added payment is often lumped into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress passed 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.

Appraisal Options, Inc. can produce a statement regarding the value of your home, and the cost of the appraisal can often be offset in little time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is often complicated by the challenging decision of who maintains the home, and it can be a particularly traumatic experience for both parties. It's a good idea to order an appraisal from Appraisal Options, Inc. so both parties are entirely aware of the true market value of their house, regardless of the situation.

If the parties want to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike 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 walk away knowing they've received a fair deal.

Move to or from Osceola County for work

Employee relocation is a stressful event, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide remarks on the positive features of their property, along with information regarding any new sales or listings in their neighborhood that they want considered.

Close on your home promptly — for the right price

A professional appraisal will help you make a better educated decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. 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 are calculated on our efforts to finish the appraisal report.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted 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, because we're experts in knowing how long homes stay on the market.

Let Appraisal Options, Inc. assist you in selling your home quickly at the right price