Why obtain an appraisal from SOUTHERN OHIO APPRAISERS LLC?

To a lot of people, an appraisal just looks like another cost in the long list of items for a mortgage or refinance. Practically all lenders still need a local expert because the stakes are so high, even though there are a growing number of automated home valuation processes that might appear to be more economical than an appraisal. But is getting a mortgage the only reason to get an appraisal? Are there additional situations when the services of a licensed, independent real estate professional might be beneficial? Of course.


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Let SOUTHERN OHIO APPRAISERS LLC help you dispute your tax assessment in Highland County

It's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a previous assessment of your home, so if prices have declined in your neighborhood, you can appeal your assessment and save money. An appraisal from SOUTHERN OHIO APPRAISERS LLC is your best evidence when building your case. We're qualified to assist you in appealing your tax assessment.

Removing PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that almost all lenders ask buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate. More often than not, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. This is bad because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

SOUTHERN OHIO APPRAISERS LLC will give you a statement regarding the value of your home, and the cost of the appraisal can often be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the difficult decision of who maintains the property, and it can be a particularly traumatic occurrence for both parties. It's a good idea to order an appraisal from SOUTHERN OHIO APPRAISERS LLC so both parties are fully aware of the true market value of their property, regardless of the situation.

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 received a fair evaluation.

Accurate and fair 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 Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. 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 significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Highland County

Employee relocation can be a real pain. We know where you're coming from. That's why we take great care in organizing an accommodating appointment time for the appraisal inspection. During our intensive process, we suggest employees that are moving to provide input on the positive aspects of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from SOUTHERN OHIO APPRAISERS LLC

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees depend on our efforts to complete the appraisal report and not a percentage of 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 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 homes are one the market.