Reasons someone would hire Anderson & Associates

Each year, thousands of people in Washington purchase, sell or refinance their home. Many of these transactions include a simple line item for an appraisal. While there are a developing number of automated home valuation processes that may seem more prudent than an appraisal, almost all lenders still want a local expert because the stakes are so high. But is obtaining a mortgage the only reason you should get an appraisal? Are there other times when the services of a licensed, independent real estate professional might come in handy? You bet.


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Challenge your tax assessment in Clark County

It's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are determined by a past assessment of your home, so if values have declined in your area, you can appeal your assessment and save money. When building your case, an appraisal from Anderson & Associates is your best evidence. We're equipped to assist you in challenging your tax assessment.

Eliminating PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that most lenders ask home owners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Very often, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

Anderson & Associates will produce a statement regarding the value of your home, and the expense of the home valuation can usually be regained in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a very traumatic experience for both parties, and it is often more complicated by the burdensome decision of who gets the house. So both parties are entirely aware of the true market value of their property, it's a good idea to order an appraisal from Anderson & Associates, regardless of the situation.

The parties will have a good idea of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Accurate and fair 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 Market Value for the real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these matters. A home or other property often makes up an unequal 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 received a fair deal.

Anderson & Associates can assist you in relocating to or from Clark County

We understand the headaches associated with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any new sales or listings in their area that they want considered during our thorough process.

Let Anderson & Associates assist you in selling your home quickly at the right price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value we report, but rather they rest on our efforts to complete the appraisal.

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 houses stay on the market. So, obtaining a professional appraisal is a reliable 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.