Why you should get an appraisal

Thousands of people in Georgia buy, sell or refinance their home every year. A lot of these transactions have a simple line item for an appraisal. Most lenders still need a local expert because the stakes are so high, even though there are a growing number of automated home valuation methods that might appear less expensive than an appraisal. Is securing a mortgage the only basis for getting an appraisal? Are there more instances when the services of a certified, independent real estate professional might come in handy? You bet there are.

Let ALL METRO ATLANTA APPRAISAL CO. help you lower your mortgage payment

Challenge 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. We can assist you in appealing your tax assessment.

Getting rid of your PMI for mortgage payments

When the amount being loaned to the homebuyeris more than 80% of the actual value of the home, most lenders ask buyers to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) 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, ALL METRO ATLANTA APPRAISAL CO. will produce a statement regarding the value of your home. The cost of the appraisal can often be recovered in just a few months because you'll no longer be paying the PMI.

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Get a clear valuation on a home for divorce settlements

A divorce is a very traumatic event for the parties involved, and it is often even more complicated by the difficult decision of who keeps the property. Regardless of the situation, it's a good idea to order an appraisal from ALL METRO ATLANTA APPRAISAL CO. so both parties are entirely aware of the true market value of their property.

The parties will have a better 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 received a fair evaluation.

Fair and accurate estate liquidation

The death of a loved one is a difficult 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. 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 do not have dedicated estate planners or executors to handle 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 gotten an honest deal.

Relocate to or from Fayette County for work

We are aware of the stress involved with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide input on the positive features of their property, along with information about any current sales or listings in their neighborhood that they want considered.

Sell your home promptly — for the right price

Whether you choose 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. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they rest on our efforts to complete the appraisal report.

We examine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable 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 houses stay on the market.

Let ALL METRO ATLANTA APPRAISAL CO. assist you in selling your home quickly at the right price