Why you should get an appraisal from Victor G. Simmers, Cert Res RD614

To a lot of us, an appraisal just looks like another fee on the break-sheet for a mortgage or refinance. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation processes that may appear to be cheaper than an appraisal. But is getting a mortgage the only reason to get an appraisal? Are there additional situations when the services of a certified, independent real estate professional might be helpful? You bet there are.


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Let Victor G. Simmers, Cert Res RD614 help you appeal your tax assessment in Polk County

It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Victor G. Simmers, Cert Res RD614 is your best evidence. At Victor G. Simmers, Cert Res RD614, we're capable of assisting you in appealing your tax assessment.

Let Victor G. Simmers, Cert Res RD614 help you lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance plan that almost all lenders ask home owners to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the property. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is damaging because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Victor G. Simmers, Cert Res RD614 can give you a statement regarding the value of your home. The expense of the appraisal can generally be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a very heartbreaking event for the parties involved, and it is often even more complicated by the burdensome decision of who gets the home. It's a good idea to get an appraisal from Victor G. Simmers, Cert Res RD614 so both parties are entirely aware of the true market value of their property, regardless of the situation.

If the parties wish to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Settling an estate with peace of mind

The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans do not have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. A home or other property often makes up a disproportionate 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 walk away knowing they've gotten a fair deal.

Victor G. Simmers, Cert Res RD614 can help you with relocating to or from Polk County

Employee relocation is a more than just an inconvenience, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest employees that are moving to provide feedback on the positive attributes of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Don't sell out short or keep your home on the market too long.

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees depend on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, 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 too long, costing you hassle and money.