Reasons to order an appraisal from CFour Appraisals, Inc.
To many, an appraisal just looks like one more thing on the break-sheet for a home sale or refinance. Even though there are a multiplying number of automated home valuation methods that might seem more economical than an appraisal, nearly all lenders still call for a local expert because the stakes are incredibly high. Is getting a mortgage the only reason you should get an appraisal? Are there also situations when the services of a licensed, independent real estate professional might be helpful? You bet.
Challenge your tax assessment in Brazoria County
It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are determined by a previous assessment of your real estate, so if prices have declined in your neighborhood, you can appeal your assessment and save money. An appraisal from CFour Appraisals, Inc. is your best evidence when building your case. 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 home owneris more than 80% of the actual value of the home, many lenders ask home buyers to take out this added insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this additional payment is bundled into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress 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, CFour Appraisals, Inc. can provide you with a statement regarding the value of your home. The price you paid for the home valuation can usually be offset 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 property, and it can be a particularly horrible occurrence for both parties. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from CFour Appraisals, Inc., regardless of the circumstances.
The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Determine a fair and accurate valuation for 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. 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 wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these issues. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received a fair deal.
Relocate to or from Brazoria County through an employee relocation program
Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our thorough inspection.
Close on your home quickly — for the right price
Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price.
On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to decide 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 homes stay on the market.