Let Elite Appraisal Services handle your appraisal needs
To many, an appraisal just looks like a line item in the long list of items for a home purchase or refinance. The majority of lenders still need a local expert because the stakes are so high, even though there are a developing number of automated home valuation systems that might appear more economical than an appraisal. Is obtaining a mortgage the only reason to get an appraisal? Are there more cases when the services of a certified, independent real estate professional could be helpful? You bet there are.
Dispute your tax assessment in Brazoria County
It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your house, so if prices 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. At Elite Appraisal Services, we're qualified to assist you in appealing your tax assessment.
Get rid of PMI to lower your mortgage payment
When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, many lenders ask homeowners to purchase this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often lumped into the monthly mortgage payment and is quickly forgotten. This is damaging because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked 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 get rid of PMI, Elite Appraisal Services will produce a statement regarding the value of your home. The price you paid for the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.
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Get a fair valuation on a home for divorce settlements
A divorce is often complicated by the difficult decision of who gets the property, and it can be a very daunting occurrence for both parties. Regardless of the situation, it's a good idea to order an appraisal from Elite Appraisal Services so both parties are fully aware of the true market value of their home.
If the parties need 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 evaluation.
Ascertain a fair and accurate valuation for estate liquidation
The death of a loved one is a painful 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, guaranteeing the fullest degree of discretion.
Unlike many wealthy individuals, most Americans do not 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 value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Relocate to or from Brazoria County for work
Employee relocation is 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 suggest relocating employees to provide input on the positive features of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.
Sell your home promptly — for the right price
Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesare on the market. So, getting a professional appraisal is a trusted way to determine 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.