Why you should hire an appraiser
To a lot of people, an appraisal is simply another fee on the settlement sheet for a home purchase or refinance. And while there are a developing number of automated home valuation methods that may appear more prudent than an appraisal, almost all lenders still call in a local expert because the stakes are so high. Is securing a mortgage the only reason to get an appraisal? Are there additional instances when the services of a certified, independent real estate professional could be helpful? Of course.
Appeal your tax assessment
If you reside 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. At ALL METRO ATLANTA APPRAISAL CO., we're capable of assisting you in challenging your tax assessment.
Eliminate PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance plan that most lenders ask homeowners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Very often, this additional payment is lumped into the monthly mortgage payment and is promptly forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
ALL METRO ATLANTA APPRAISAL CO. can produce a statement regarding the value of your home, and the price you paid for the home valuation can often be recovered in little time because you'll no longer be paying the PMI.
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Divorce settlement with less stress
A divorce is often complicated by the difficult decision of who gets the home, and it can be a very horrible ordeal for both parties. It's a good idea to get an appraisal from ALL METRO ATLANTA APPRAISAL CO. so both parties are completely aware of the true market value of their house, regardless of the situation.
The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Fair and accurate estate liquidation
Losing 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 real estate involved. We guarantee the highest 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 don't have dedicated estate planners or executors to handle these matters. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Relocate to or from Fayette County through an employee relocation program
Employee relocation can be a stressful event, and we understand. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we recommend relocating employees to provide input on the positive features of their property, along with information about any recent sales or listings in their area that they want considered.
Sell your home promptly — at the right price
A professional appraisal can help you make a more informed decision regarding your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price.
We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a trusted 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 properties stay on the market.