Let West Valley Appraisal Services take care of your appraisal needs
To a lot of us, an appraisal is simply one more thing on the break-sheet for a mortgage or refinance. And while there are a multiplying number of automated home valuation systems that might appear to be more prudent than an appraisal, the majority of lenders still need a local expert because the stakes are incredibly high. Is securing a mortgage the only reason to acquire an appraisal? Are there other times when the services of a licensed, independent real estate professional could be beneficial? Of course there are.
Dispute your tax assessment in Maricopa County
If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. At West Valley Appraisal Services, we're equipped to assist you in appealing your tax assessment.
Eliminate PMI to lower your mortgage payment
When the amount being loaned to the buyeris more than 80% of the actual value of the real estate, nearly all lenders ask buyers to buy this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI becomes unnecessary when the remainder 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 passed by the United States Congress that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
West Valley Appraisal Services can produce a statement regarding the value of your home, and the cost of the appraisal can generally be recovered in a short amount of time because you'll no longer be paying the PMI.
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Get a clear valuation on a home take make a divorce settlement less stressful
A divorce is an especially traumatic ordeal for the parties involved, and it is often more complicated by the hard decision of who gets the property. So both parties are entirely aware of the true market value of their home, it's a good idea to get an appraisal from West Valley Appraisal Services, regardless of the circumstances.
The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Ascertain a fair and accurate valuation for estate liquidation
The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the maximum degree of discretion.
Most Americans do not have dedicated estate planners or executors to take care of these affairs, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received an honest deal.
Relocate to or from Maricopa County for work
We are aware of the headaches associated with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide remarks on the positive features of their property, along with information about any recent sales or listings in their area that they want considered.
Sell your home quickly — for the right price
A professional appraisal can help you make a better educated decision when determining your selling price, whether you want to sell your home on your own or with the help of a real estate agent. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees rest on our efforts to finish the appraisal report and and aren't related to the sales price.
We examine 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 housesare on the market. So, getting a professional appraisal is a trusted way to determine 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.