Why you should hire an appraiser

Thousands of people in buy, sell or refinance their home every year. Most of these transactions contain a simple line item for an appraisal. While there are a growing number of automated home valuation processes that might appear to be cheaper than an appraisal, practically all lenders still call for a local expert because the stakes are so high. You might think that getting a mortgage is the only reason to acquire an appraisal, but there are other cases when the services of a certified, independent real estate professional could come in handy.

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Contest your tax assessment

It's possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a past assessment of your house, so if values have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment.

Getting rid of your PMI for mortgage payments

When the amount being loaned to the homeowneris more than 80% of the actual value of the property, many lenders ask homeowners to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, will produce a statement regarding the value of your home. The price you paid for the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.

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Divorce settlement with fewer hang-ups

A divorce is a particularly traumatic ordeal for the parties involved, and it is often further complicated by the burdensome decision of who gets the property. Regardless of the circumstances, it's a good idea to get an appraisal from so both parties are completely aware of the true market value of their house.

The parties will have a clearer picture of what price to set, if they need 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 liquidation

The death 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 residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest 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 a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Fairfax City County for work

We are familiar with the stress associated with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide remarks on the positive characteristics of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Sell your home quickly — at the right price

A professional appraisal can help you make a more informed decision regarding your selling price, whether you decide to sell your home on your own or with the help of a real estate agent. Apart from 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 depend on our efforts to complete the appraisal report.

On a daily basis, we analyze the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking 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, because we're experts in knowing how long homes stay on the market.

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