Let Hixon & Associates, LLC (334) 215-0388 serve your appraisal needs
To a lot of us, an appraisal just looks like one more thing in the long list of items for a home purchase or refinance. Even though there are a multiplying number of automated home valuation systems that might appear cheaper than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. You might assume that securing a mortgage is the only reason you should get an appraisal, but there are more situations when the services of a licensed, independent real estate professional could be beneficial.
Contest your tax assessment in Montgomery County
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 determined by a previous assessment of your house, so if prices have gone down in your neighborhood, you can challenge your assessment and save money. An appraisal from Hixon & Associates, LLC (334) 215-0388 is your best evidence when building your case. We're capable of assisting you in challenging your tax assessment.
PMI removal to lower a mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance policy that many lenders ask buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Since the additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is bad because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met.
Hixon & Associates, LLC (334) 215-0388 can give you a statement regarding the value of your home, and the expense of the appraisal can usually be recovered in a short amount of time because you'll no longer be paying the PMI.
Order an appraisal from Hixon & Associates, LLC (334) 215-0388Order today
Divorce settlement with less stress
A divorce is a very horrible experience for the parties involved, and it is often more complicated by the challenging decision of who maintains the property. Regardless of the situation, it's a good idea to get an appraisal from Hixon & Associates, LLC (334) 215-0388 so both parties are fully aware of the true market value of their property.
The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Determine a fair and accurate valuation for 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 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).
Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Move to or from Montgomery County for work
Employee relocation is a stressful event, and we understand. 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 attributes of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our intensive inspection.
Close on your home quickly — for an accurate price
A professional appraisal will help you make a better educated decision when determining 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 price the house sells for, apart from real estate agents. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. Seeking a professional appraisal is a trusted 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.