Let Allatoona Appraisal attend to your appraisal needs
To many, an appraisal just looks like another cost in the long list of items for a home sale or refinance. Practically all lenders still want a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation methods that might appear to be more economical than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there additional times when the services of a licensed, independent real estate professional could be beneficial? You bet.
Challenge your tax assessment in Cobb County
If you are in an area where property values have 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 disputing your tax assessment.
Eliminating PMI for mortgage payments
When the amount being loaned to the homeowneris more than 80% of the actual value of the real estate, most lenders ask buyers to take out this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Allatoona Appraisal can give you a statement regarding the value of your home. 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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Settle a divorce with less stress
A divorce can be a very horrible event for both parties, and it is often more complicated by the strenuous decision of who maintains the property. It's a good idea to get an appraisal from Allatoona Appraisal so both parties are completely aware of the true market value of their house, regardless of the situation.
The parties will have a a good idea of what price to set, if they want 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.
Determine a fair and accurate valuation for estate liquidation
The loss of 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 real estate involved. We ensure the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these matters. And since 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 essential importance to ensuring disputing parties leave knowing they've received a fair deal.
Move to or from Cobb County for work
Employee relocation is a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive features of their property, along with information about any new sales or listings in their neighborhood that they want considered during our detailed inspection.
Sell your home quickly — for the right price
Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining 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 properties are one the market.