Let Accuracy Matters Appraisals take care of your appraisal needs
To a lot of us, an appraisal is simply another cost on the break-sheet for a mortgage or refinance. The majority of lenders still want a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation methods that might appear to be less expensive than an appraisal. Is securing a mortgage the only reason to get an appraisal? Are there additional times when the services of a certified, independent real estate professional might be beneficial? Absolutely.
Challenge your tax assessment
If you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in appealing your tax assessment.
Removing PMI for mortgage payments
Private Mortgage Insurance, or PMI, is an additional insurance plan that nearly all lenders ask homebuyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Most often, this added payment is lumped into the monthly mortgage payment and is soon forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Accuracy Matters Appraisals can provide you with a statement regarding the value of your home. The price you paid for the appraisal can usually be offset in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with fewer hang-ups
A divorce is often complicated by the strenuous decision of who gets the home, and it can be a very traumatic experience for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Accuracy Matters Appraisals so both parties are completely aware of the true market value of their property.
If the parties wish 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.
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 requires 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).
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an uneven 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 received a fair deal.
Relocate to or from Rio Grande County through an employee relocation program
We know the headaches involved with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, along with information about any current sales or listings in their area that they want considered during our detailed inspection.
Close on your home promptly — for an accurate price
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they rest on our efforts to complete the appraisal report.
On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesare 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.