Why you should hire an appraiser

Every year, thousands of people in Florida purchase, sell or refinance their home. Many of these transactions consist of a simple line item for an appraisal. Nearly all lenders still call for a local expert because the stakes are so high, even though there are an increasing number of automated home valuation processes that might seem cheaper than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are other times when the services of a certified, independent real estate professional could be beneficial.

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Dispute your tax assessment in Osceola County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from Appraisal Options, Inc. is your best evidence when building your case. At Appraisal Options, Inc., we're capable of assisting you in disputing your tax assessment.

PMI removal to reduce a mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the home, almost all lenders ask home buyers to purchase 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 unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Appraisal Options, Inc. will provide you with a statement regarding the value of your home. The cost of the home valuation can usually be offset in little time because you'll no longer be paying the PMI.

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Divorce settlement with less stress

A divorce can be an especially traumatic ordeal for both parties, and it is often further complicated by the burdensome decision of who gets the property. It's a good idea to get an appraisal from Appraisal Options, Inc. so both parties are fully aware of the true market value of their home, regardless of the circumstances.

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

Ascertain a fair and accurate valuation for estate liquidation

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Move to or from Osceola County for work

Employee relocation can be a stressful event, and we understand. That's why we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, as well as information regarding any new sales or listings in their area that they want considered during our thorough inspection.

Sell your home promptly — at an accurate price

A professional appraisal will help you make a more informed 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. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long housesstay on the market. So, getting a professional appraisal is a reliable way to decide 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.

Let Appraisal Options, Inc. help you sell your home quickly at the right price