Let Hixon & Associates, LLC (334) 215-0388 take care of your appraisal needs
To a lot of us, an appraisal is simply one more thing in the long list of items for a mortgage or refinance. While there are an increasing number of automated home valuation systems that may appear to be more economical than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. You might assume that obtaining a mortgage is the only basis for getting an appraisal, but there are more situations when the services of a certified, independent real estate professional could be beneficial.
Contest your tax assessment
It's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your home, so if values have declined in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At Hixon & Associates, LLC (334) 215-0388, we're capable of assisting you in appealing your tax assessment.
PMI removal to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask homebuyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. This extra payment is often bundled into the monthly mortgage payment and is soon forgotten. PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with 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 home valuation can often be recovered in just a few months because you'll no longer be paying the PMI.
Order your appraisal from Hixon & Associates, LLC (334) 215-0388 todayOrder today
Get a clear valuation on a home for divorce settlements
A divorce is a particularly daunting event for the parties involved, and it is often more complicated by the troublesome decision of who gets the house. So both parties are entirely aware of the true market value of their house, it's a good idea to order an appraisal from Hixon & Associates, LLC (334) 215-0388, regardless of the circumstances.
If the parties want to sell the home, they'll have a clearer picture 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 evaluation.
Fair and accurate estate liquidation
The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee 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 manage these issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate 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 leave knowing they've received a fair deal.
Relocate to or from Montgomery County through an employee relocation program
We are familiar with the headaches associated with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide feedback on the positive features of their property, as well as information about any current sales or listings in their area that they want considered.
Sell your home quickly — for an accurate price
A professional appraisal will help you make a more informed decision when determining your asking price, whether you want 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 are calculated 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 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 houses stay on the market.