Reasons to order an appraisal

To a lot of us, an appraisal is simply a line item on the break-sheet for a home purchase or refinance. And while there are a growing number of automated home valuation systems that may seem more cost-effective than an appraisal, almost all lenders still call for a local expert because the stakes are incredibly high. You might believe that securing a mortgage is the only reason to get an appraisal, but there are additional instances when the services of a certified, independent real estate professional might be beneficial.


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Dispute your tax assessment in Jefferson County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Property taxes are based upon a past assessment of your house, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Greg Easter Appraisals LLC. is your best evidence when building your case. We're capable of assisting you in disputing your tax assessment.

Removing PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that many lenders ask homebuyers to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Very often, this extra payment is folded into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to do away with the PMI payments when the balance is paid down to 78% of the original value.

If you'd like to do away with PMI, Greg Easter Appraisals LLC. can provide you with a statement regarding the value of your home. The cost of the home valuation can generally be offset in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Greg Easter Appraisals LLC.

A divorce can be a particularly traumatic ordeal for both parties, and it is often further complicated by the challenging decision of who gets the property. So both parties are completely aware of the true market value of their home, it's a good idea to get an appraisal from Greg Easter Appraisals LLC., regardless of the situation.

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

Settling an estate with peace of mind

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We ensure the fullest 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 handle these issues, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Jefferson 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 organizing an accommodating appointment time for the appraisal inspection. During our thorough process, we recommend employees that are moving to provide feedback on the positive features of their property, as well as information about any current sales or listings in their neighborhood that they want considered.

Sell your home quickly at the right price

A professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to perform the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to decide 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 - because we're experts in knowing how long homes are one the market.