Let National Home Appraisal Corporation take care of your appraisal needs
To many, an appraisal is simply a line item in the long list of items for a home purchase or refinance. While there are a growing number of automated home valuation systems that may appear to be more cost-effective than an appraisal, the majority of lenders still want a local expert because the stakes are very high. Is obtaining a mortgage the only reason to get an appraisal? Are there additional instances when the services of a licensed, independent real estate professional might be helpful? You bet there are.
Appeal your tax assessment in Worcester County
If you reside in an area where the property value has declined, 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 disputing your tax assessment.
Remove PMI to lower your mortgage payment
When the amount being loaned to the home buyeris more than 80% of the actual value of the property, nearly all lenders ask homebuyers to take out this supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level. 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.
National Home Appraisal Corporation will provide you with a statement regarding the value of your home, and the expense of the appraisal can often be offset in just a few months because you'll no longer be paying the PMI.
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Divorce settlement with less stress
A divorce is an especially traumatic event for the parties involved, and it is often further complicated by the troublesome decision of who keeps the property. Regardless of the circumstances, it's a good idea to order an appraisal from National Home Appraisal Corporation so both parties are entirely aware of the true market value of their home.
If the parties wish to sell the home, they'll have a a good 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.
Ascertain an accurate and fair valuation for estate liquidation
Losing a loved one is a hard 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 maximum degree of discretion.
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to manage these affairs. And since a home or other property often makes up an uneven share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Relocate to or from Worcester County for work
We are familiar with the stress involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide remarks on the positive aspects of their property, as well as information regarding any new sales or listings in their area that they want considered.
Sell your home promptly — for an accurate price
Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.
On a daily basis, we analyze the difference in value items like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted 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, because we're experts in knowing how long houses stay on the market.