Getting an appraisal from Certified AppraisalsThousands of people in South Carolina buy, sell or refinance their home each month. Most of these transactions consist of a simple line item for an appraisal. While there are an increasing number of automated home valuation systems that might appear more practical than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. But is getting a mortgage the only reason you should get an appraisal? Are there also times when the services of a certified, independent real estate professional might be beneficial? You bet.
Challenge your tax assessment in Horry CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Certified Appraisals is your best evidence when building your case. At Certified Appraisals, we're qualified to assist you in appealing your tax assessment.
How can you eliminate PMI to lower your mortgage payment?When the amount being loaned to the homeowner is more than 80% of the actual value of the home, most lenders ask home buyers to buy an added insurance plan. That policy is Private Mortgage Insurance, or PMI. This additional payment is often folded into the monthly mortgage payment and is promptly forgotten. This is unfortunate because PMI isn't required when the remaining balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Certified Appraisals will provide you with 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.
Divorce settlement with less stressA divorce is often complicated by the strenuous decision of who maintains the property, and it can be a particularly heartbreaking occurrence for both parties. Regardless of the situation, it's a good idea to get an appraisal from Certified Appraisals so both parties are entirely aware of the true market value of their home.
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 evaluation.
Fair and accurate estate liquidation with help from Certified AppraisalsSettling an estateThe loss 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 real estate involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans don't have dedicated estate planners or executors to manage these affairs, unlike wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the certain value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Let Certified Appraisals assist you in relocating to or from Horry CountyEmployee relocation can be a real pain, and we understand. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. During our detailed process, we recommend relocating employees to provide input on the positive features of their property, along with information regarding any recent sales or listings in their area that they want considered.
Let Certified Appraisals help you sell 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 can help you make a better educated decision regarding your asking price. With much different interests than a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price.
We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homes are on the market. So, getting a professional appraisal is a trusted 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.