Reasons to get an appraisal

Thousands of people in Georgia buy, sell or refinance their home every month. Many of these transactions have a simple line item for an appraisal. And even though there are an increasing number of automated home valuation systems that may seem more cost-effective than an appraisal, nearly all lenders still need a local expert because the stakes are incredibly high. Is getting a mortgage the only reason to get an appraisal? Are there more cases when the services of a certified, independent real estate professional might come in handy? You bet there are.

Let ALL METRO ATLANTA APPRAISAL CO. assist you in lowering your mortgage payment

Challenge your tax assessment in Fayette County

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 determined by a past assessment of your home, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. At ALL METRO ATLANTA APPRAISAL CO., we're qualified to assist you in challenging your tax assessment.

Remove PMI to lower your mortgage payment

When the amount being loaned to the buyeris more than 80% of the actual value of the home, most lenders ask buyers to buy this additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, ALL METRO ATLANTA APPRAISAL CO. can produce a statement regarding the value of your home. The expense of the appraisal can often be offset 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 take make a divorce settlement less stressful

A divorce can be a particularly horrible ordeal for both parties, and it is often even more complicated by the hard decision of who maintains the home. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from ALL METRO ATLANTA APPRAISAL CO., regardless of the situation.

The parties will have a a good idea of what price to set, if they wish 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 assessment.

Ascertain a fair and accurate valuation for 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 fullest degree of discretion.

Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. 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 vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Move to or from Fayette County through an employee relocation program

Employee relocation is a stressful event, and we understand. We take great care in setting up an accommodating appointment time for the appraisal inspection. During our intensive inspection, we encourage relocating employees to provide remarks on the positive features of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered.

Close on your home quickly — for an accurate price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your asking price. 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 are based on our efforts to finish the appraisal report.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. 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 are one the market.

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