There are lots of reasons consumers call on BC HOME APPRAISALSTo a lot of people, an appraisal just looks like a line item on the settlement sheet for a home sale or refinance. Most lenders still call for a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may seem cheaper than an appraisal. You might assume that getting a mortgage is the only reason to get an appraisal, but there are additional instances when the services of a licensed, independent real estate professional might come in handy.
Let BC HOME APPRAISALS help you dispute your tax assessment in Maricopa CountyIt's likely you're paying too much in property taxes if you live in an area where property values have depreciated. Property taxes are based upon a previous assessment of your home, so if prices are less than what they used to be in your area, you can challenge your assessment and save money. An appraisal from BC HOME APPRAISALS is your best evidence when building your case. We're qualified to assist you in challenging your tax assessment.
PMI removal to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is a supplemental insurance plan that almost all lenders ask homeowners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Since the additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to get rid of PMI, BC HOME APPRAISALS will produce a statement regarding the value of your home. The cost of the appraisal can usually be offset in just a few months because you'll no longer be paying the PMI.
Divorce settlement with less stressA divorce is often complicated by the troublesome decision of who keeps the home, and it can be a very heartbreaking event for both parties. It's a good idea to get an appraisal from BC HOME APPRAISALS so both parties are entirely aware of the true market value of their property, regardless of the circumstances.
The parties will have a better idea of what price to set, if they want 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.
Accurate and fair estate liquidation with help from BC HOME APPRAISALS settling an estateThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We ensure the utmost 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 affairs, unlike many wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the precise value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
BC HOME APPRAISALS can help you with relocating to or from Maricopa CountyMoving due to a job change is a more than just an inconvenience, and we understand. That's why we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information regarding any new sales or listings in their neighborhood that they want considered during our detailed process.
Let BC HOME APPRAISALS assist you in selling your home quickly at the right priceWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision when determining your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to complete the appraisal.
On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long properties stay on the market. So, getting a professional appraisal is a trusted way to decide 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 for an extended amount of time.