Let Anderson & Associates serve your appraisal needs
To a lot of people, an appraisal is simply one more thing on the break-sheet for a home sale or refinance. Nearly all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that might appear more cost-effective than an appraisal. You might assume that securing a mortgage is the only reason to get an appraisal, but there are more instances when the services of a certified, independent real estate professional might be helpful.
Dispute your tax assessment
If you live in an area where the value of property has declined, 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 disputing your tax assessment.
Getting rid of your PMI for mortgage payments
Private Mortgage Insurance, or PMI, is an extra insurance policy that many lenders ask homebuyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This additional payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
Anderson & Associates will give you a statement regarding the value of your home, and the cost of the home valuation can usually be regained 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 often complicated by the burdensome decision of who maintains the house, and it can be a particularly horrible occurrence for both parties. So both parties are fully aware of the true market value of their property, it's a good idea to get an appraisal from Anderson & Associates, regardless of the situation.
If the parties want 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 gotten a fair assessment.
Accurate and fair estate liquidation
The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for 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 utmost degree of discretion.
Unlike wealthy individuals, most Americans do not have dedicated estate planners or executors to manage these issues. And seeing that a home or other property often makes up an uneven 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.
Move to or from Clark County for work
Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we recommend relocating employees to provide remarks on the positive features of their property, along with information regarding any new sales or listings in their area that they want considered.
Sell your home quickly — for an accurate price
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 regarding your selling price. 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 analyze the difference in value items like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a reliable way to determine 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 homes are one the market.