Reasons to choose an appraisal from Appraisal Associates & ConsultantsThousands of people in SW Florida purchase, sell or refinance their home every year. Most of these transactions involve a simple line item for an appraisal. While there are a developing number of automated home valuation systems that might appear to be less expensive than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. Is getting a mortgage the only reason to get an appraisal? Are there more situations when the services of a licensed, independent real estate professional could be beneficial? Of course there are. 
Contest your tax assessment in Collier or Lee CountyIt's possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your real estate, so if values have gone down in your neighborhood, you can appeal your assessment and save money. An appraisal from Appraisal Associates & Consultants is your best evidence when building your case. At Appraisal Associates & Consultants, we're equipped to assist you in appealing your tax assessment. Eliminating PMI for mortgage paymentsPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to get rid of PMI, Appraisal Associates & Consultants will give you a statement regarding the value of your home. The cost of the home valuation can often be recovered in a short amount of time because you'll no longer be paying the PMI. Order an appraisal from Appraisal Associates & Consultants Order todayDivorce settlement with fewer hang-upsA divorce can be a very daunting event for both parties, and it is often further complicated by the strenuous decision of who keeps the house. Regardless of the circumstances, it's a good idea to get an appraisal from Appraisal Associates & Consultants so both parties are completely aware of the true market value of their home. If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Accurate and fair estate liquidationThe death of a loved one is a difficult 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion. Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these matters. And since a home or other property often makes up an unequal share of the total estate value, understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Move to or from Collier or Lee County through an employee relocation programEmployee relocation can be a stressful event, and we understand. That's why 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 attributes of their property, as well as information about any recent sales or listings in their neighborhood that they want considered. Close on your home quickly — at the right priceWhether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they depend on our efforts to finish the appraisal report. On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. 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, because we're experts in knowing how long properties stay on the market. 
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