Reasons to hire an appraiser

To a lot of people, an appraisal is simply one more thing in the long list of items for a mortgage or refinance. Even though there are a budding number of automated home valuation methods that might appear less expensive than an appraisal, practically all lenders still call for a local expert because the stakes are so high. Is securing a mortgage the only basis for getting an appraisal? Are there more times when the services of a licensed, independent real estate professional might be helpful? Of course there are.

Let Hixon & Associates, LLC (334) 215-0388 assist you in lowering your mortgage payment

Challenge your tax assessment in Montgomery County

If you reside in an area where property values have depreciated, 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 appealing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask homebuyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Oftentimes, this extra payment is folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to get rid of PMI, Hixon & Associates, LLC (334) 215-0388 will provide you with a statement regarding the value of your home. The price you paid for the appraisal can often be recovered in a short amount of time because you'll no longer be paying the PMI.

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Settle a divorce with less stress

A divorce can be a very traumatic experience for both parties, and it is often further complicated by the hard decision of who keeps the property. It's a good idea to order an appraisal from Hixon & Associates, LLC (334) 215-0388 so both parties are entirely aware of the true market value of their property, regardless of the situation.

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

Ascertain an accurate and fair valuation for estate liquidation

Losing a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. We guarantee the utmost 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 matters, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocate to or from Montgomery County for work

We are aware of the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered during our intensive inspection.

Close on your home quickly — for the right price

A professional appraisal can help you make a more informed decision regarding your asking price, whether you choose to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value things like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted 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 properties are one the market.

Let Hixon & Associates, LLC (334) 215-0388 help you sell your home quickly at the right price