Why you should get an appraisal from Anderson & Associates
Thousands of people in Washington buy, sell or refinance their home every month. Many of these transactions consist of a simple line item for an appraisal. And even though there are a growing number of automated home valuation systems that might appear more economical than an appraisal, practically all lenders still call in a local expert because the stakes are incredibly high. You might assume that obtaining a mortgage is the only reason you should get an appraisal, but there are other times when the services of a licensed, independent real estate professional could come in handy.
Dispute your tax assessment in Clark County
If you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from Anderson & Associates is your best evidence when building your case. We can assist you in challenging your tax assessment.
Removing PMI for mortgage payments
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask home buyers to buy when the amount being loaned to the buyer 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. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.
Anderson & Associates can produce a statement regarding the value of your home, and the expense of the home valuation can generally be offset 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 for divorce settlements
A divorce is an especially horrible ordeal for the parties involved, and it is often more complicated by the troublesome decision of who gets the home. Regardless of the circumstances, it's a good idea to get an appraisal from Anderson & Associates so both parties are fully aware of the true market value of their property.
The parties will have a clearer picture 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 evaluation.
Fair and accurate estate liquidation
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 Fair 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).
Most Americans do not have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Move to or from Clark County through an employee relocation program
Employee relocation can be a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive characteristics of their property, along with information regarding any recent sales or listings in their area that they want considered.
Sell your home quickly — at an accurate price
Whether you want 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 regarding your asking price. Unlike 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 finish the appraisal report and not a percentage of the sales price.
We determine 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, seeking a professional appraisal is a trusted way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.