Let Amerappraise, LLC serve your appraisal needs
Thousands of people in Delaware purchase, sell or refinance their home every year. Many of these transactions consist of a simple line item for an appraisal. And while there are a multiplying number of automated home valuation methods that might appear to be more cost-effective than an appraisal, nearly all lenders still want a local expert because the stakes are very high. Is getting a mortgage the only reason you should get an appraisal? Are there also cases when the services of a licensed, independent real estate professional could come in handy? You bet.
Dispute your tax assessment
If you reside in an area where the property value has declined, it's possible you're paying too much in property taxes. An appraisal from Amerappraise, LLC is your best evidence when building your case. At Amerappraise, LLC, we're capable of assisting you in appealing your tax assessment.
Remove PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance plan that most lenders ask home owners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. Seeing that extra payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is bad because PMI isn't necessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
Amerappraise, LLC will produce a statement regarding the value of your home, and the expense of the appraisal can usually be recovered in just a few months because you'll no longer be paying the PMI.
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Settle a divorce with less stress
A divorce is often complicated by the hard decision of who maintains the property, and it can be a very horrible experience for both parties. It's a good idea to get an appraisal from Amerappraise, LLC so both parties are completely aware of the true market value of their house, regardless of the circumstances.
If the parties need 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 received a fair evaluation.
Fair and accurate estate liquidation
The death 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 manage these matters, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.
Relocate to or from New Castle County for work
We know the stress involved with an employee relocation. We take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed inspection, we recommend relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any current sales or listings in their area that they want considered.
Close on your home promptly — at an accurate price
A professional appraisal will help you make a more informed decision regarding your selling price, whether you decide to sell your home on your own or with the help 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 a percentage of the sales price, but rather they are calculated on our efforts to finish the appraisal report.
We determine the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesstay on the market. So, seeking a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.