Let Grantham Appraisal & Realty, Inc. handle your appraisal needs
To a lot of us, an appraisal just looks like a line item in the long list of items for a home sale or refinance. And even though there are an increasing number of automated home valuation systems that may seem more prudent than an appraisal, practically all lenders still need a local expert because the stakes are so high. You might believe that obtaining a mortgage is the only basis for getting an appraisal, but there are more situations when the services of a certified, independent real estate professional might be helpful.
Contest your tax assessment in Muscogee County
If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in appealing your tax assessment.
PMI removal to reduce your mortgage payment
When the amount being loaned to the homeowneris more than 80% of the actual value of the property, most lenders ask home buyers to buy this additional insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this extra payment is bundled into the monthly mortgage payment and is soon forgotten. This is unfortunate because PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to eliminate PMI, Grantham Appraisal & Realty, Inc. can give you a statement regarding the value of your home. The expense of the home valuation can often be offset in a short amount of time because you'll no longer be paying the PMI.
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Get a fair valuation on a home for divorce settlements
A divorce can be an especially horrible ordeal for both parties, and it is often more complicated by the difficult decision of who maintains the house. So both parties are entirely aware of the true market value of their house, it's a good idea to get an appraisal from Grantham Appraisal & Realty, Inc., regardless of the situation.
If the parties need to sell the home, they'll have a clearer picture of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Accurate and fair estate liquidation
The death 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 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).
Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Move to or from Muscogee County through an employee relocation program
Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. During our detailed inspection, we encourage relocating employees to provide input on the positive aspects of their property, along with information about any current sales or listings in their area that they want considered.
Sell your home quickly — for the right price
Whether you want to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what price the house sells for, apart from real estate agents. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price.
On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long propertiesare on the market. So, seeking a professional appraisal is a trusted way to decide 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.