Reasons to get an appraisal

To many, an appraisal is simply another cost in the long list of items for a mortgage or refinance. While there are a developing number of automated home valuation methods that may appear to be more economical than an appraisal, practically all lenders still call for a local expert because the stakes are very high. You might believe that getting a mortgage is the only basis for getting an appraisal, but there are other situations when the services of a certified, independent real estate professional might be beneficial.


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Dispute your tax assessment in Lyon County

It's likely you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your house, so if prices are less than what they used to be in your area, you can appeal your assessment and save money. When building your case, an appraisal from A-Plus Appraisal Service is your best evidence. We're qualified to assist you in disputing your tax assessment.

A-Plus Appraisal Service can help you get rid of PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that almost all lenders ask home owners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the home. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to remove the PMI installments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, A-Plus Appraisal Service will give you a statement regarding the value of your home. The price you paid for the home valuation can often be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from A-Plus Appraisal Service

A divorce is often complicated by the troublesome decision of who gets the house, and it can be a particularly traumatic ordeal for both parties. It's a good idea to get an appraisal from A-Plus Appraisal Service so both parties are entirely aware of the true market value of their property, regardless of the situation.

The parties will have a a good idea of what price to set, if they need to sell the home. 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 with A-Plus Appraisal ServiceSettling an estate

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike many wealthy individuals. And since a home or other property often makes up an uneven share of the total estate value, knowing the precise value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Lyon County

Moving due to a job change is a real pain. We know where you're coming from. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough process, we recommend relocating employees to provide remarks on the positive characteristics of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price

Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision when determining your asking price. Separate from a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are calculated on our efforts to perform the appraisal report and and aren't related to the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes are on the market. So, getting a professional appraisal is a reliable way to determine 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 too long, costing you time and money.