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Let Anderson & Associates serve your appraisal needs

To a lot of us, an appraisal just looks like another fee in the long list of items for a home sale or refinance. And even though there are a growing number of automated home valuation systems that may seem cheaper than an appraisal, most lenders still need a local expert because the stakes are so high. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are more instances when the services of a licensed, independent real estate professional could come in handy.

Let Anderson & Associates help you lower your mortgage payment

Contest your tax assessment

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 based upon a previous assessment of your home, so if values are less than what they used to be in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in disputing your tax assessment.

Remove PMI to lower your mortgage payment

When the amount being loaned to the home buyeris more than 80% of the actual value of the real estate, most lenders ask homebuyers to take out this extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This additional payment is often lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Anderson & Associates will provide you with a statement regarding the value of your home. The cost of the home valuation can generally be recovered 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 take make a divorce settlement less stressful

A divorce is a particularly horrible ordeal for the parties involved, and it is often further complicated by the strenuous decision of who maintains the house. Regardless of the circumstances, it's a good idea to order an appraisal from Anderson & Associates so both parties are fully aware of the true market value of their home.

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 gotten a fair assessment.

Ascertain an accurate and fair 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 calls for an appraisal to establish Fair Market Value for the real estate involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocate to or from Clark County through an employee relocation program

We are aware of the stress associated with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, along with information regarding any new sales or listings in their area that they want considered during our thorough inspection.

Sell your home promptly — for the right price

Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees are calculated on our efforts to complete the appraisal report and not a percentage of the sales price.

We examine the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to determine what improvements will add value and what a suitable 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 Anderson & Associates assist you in selling your home quickly at the right price