Let Filson's Real Estate Appraisal Services, Inc. take care of your appraisal needs
To a lot of people, an appraisal just looks like one more thing in the long list of items for a mortgage or refinance. While there are a growing number of automated home valuation systems that may seem less expensive than an appraisal, practically all lenders still call in a local expert because the stakes are very high. You might think that securing a mortgage is the only basis for getting an appraisal, but there are other times when the services of a licensed, independent real estate professional could be beneficial.
Dispute your tax assessment in Fulton County
It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. An appraisal from Filson's Real Estate Appraisal Services, Inc. is your best evidence when building your case. We're qualified to assist you in disputing your tax assessment.
PMI removal to reduce a mortgage payment
When the amount being loaned to the buyeris more than 80% of the actual value of the home, most lenders ask home buyers to purchase this supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that added payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. 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.
Filson's Real Estate Appraisal Services, Inc. can provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be regained in little time because you'll no longer be paying the PMI.
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Settle a divorce with fewer hang-ups
A divorce is a particularly traumatic event for the parties involved, and it is often further complicated by the difficult decision of who maintains the home. It's a good idea to order an appraisal from Filson's Real Estate Appraisal Services, Inc. so both parties are completely aware of the true market value of their house, regardless of the circumstances.
If the parties want to sell the home, they'll have a better 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 gotten a fair evaluation.
Accurate and fair estate liquidation
The loss of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property 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).
Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to handle these affairs. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal.
Move to or from Fulton County through an employee relocation program
We are aware of the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any current sales or listings in their area that they want considered during our detailed inspection.
Close on your home quickly — at an accurate price
A professional appraisal will help you make a better educated decision regarding your selling price, whether you decide to sell your home on your own or use the assistance of a real estate agent. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they depend on our efforts to complete the appraisal report.
On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homesstay on the market. So, obtaining 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.