Why you should order an appraisal from Advanced Appraisal Services

Every year, thousands of people in Texas buy, sell or refinance their home. A lot of these transactions contain a simple line item for an appraisal. Practically all lenders still call in a local expert because the stakes are incredibly high, even though there are a growing number of automated home valuation systems that may seem less expensive than an appraisal. You might believe that getting a mortgage is the only basis for getting an appraisal, but there are additional instances when the services of a certified, independent real estate professional could be beneficial.


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Let Advanced Appraisal Services help you challenge your tax assessment in Bexar County

It's possible you're paying too much in property taxes if you live in an area where property values have declined. Property taxes are determined by a past 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 Advanced Appraisal Services is your best evidence when building your case. At Advanced Appraisal Services,we can assist you in appealing your tax assessment.

Advanced Appraisal Services can help you do away with PMI to lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the property, almost all lenders ask homeowners to purchase an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. This extra payment is often folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI is no longer required 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 implemented by the United States Congress requiring 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 eliminate PMI, Advanced Appraisal Services will give you a statement regarding the value of your home. The cost of the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Advanced Appraisal Services

A divorce is often complicated by the hard decision of who maintains the home, and it can be a particularly heartbreaking ordeal for both parties. It's a good idea to get an appraisal from Advanced Appraisal Services so both parties are fully aware of the true market value of their home, regardless of the circumstances.

If the parties wish 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.

Settling an estate with peace of mind

The death of a loved one is a painful 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these issues, unlike wealthier individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the correct value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received a fair deal.

Relocating to or from Bexar County?

We know the headaches involved with an employee relocation. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive aspects of their property, along with information about any current sales or listings in their area that they want considered during our thorough process.

Let Advanced Appraisal Services help you sell your home quickly at the right price

Whether you decide 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 regarding your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are calculated on our efforts to perform the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Getting 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 - because we're experts in knowing how long homes are one the market.

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