Reasons to hire an appraiser

To a lot of us, an appraisal just looks like one more thing on the settlement sheet for a home purchase or refinance. And even though there are a growing number of automated home valuation methods that might seem less expensive than an appraisal, practically all lenders still call in a local expert because the stakes are incredibly high. Is securing a mortgage the only reason you should get an appraisal? Are there additional situations when the services of a certified, independent real estate professional could be helpful? Absolutely.

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

Contest your tax assessment in Osceola County

If you are in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in appealing your tax assessment.

Get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask homebuyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This added payment is often folded into the monthly mortgage payment and is quickly forgotten. This is bad because PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Appraisal Options, Inc. will produce a statement regarding the value of your home. The price you paid for the home valuation can generally be regained in just a few months because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is a very daunting event for the parties involved, and it is often further complicated by the challenging decision of who gets the house. 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 house, regardless of the circumstances.

If the parties want 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 gotten a fair assessment.

Fair and accurate estate liquidation

The loss of a loved one is a hard 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. 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 manage these issues, unlike many wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocate to or from Osceola County through an employee relocation program

Employee relocation can be a stressful event, and we understand. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any new sales or listings in their neighborhood that they want considered.

Close on your home promptly — at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to finish the appraisal report.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. 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.

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