Let MARC ANTHONY GIZZI APPRAISAL & CONSULTING handle your appraisalTo a lot of us, an appraisal is simply a line item in the long list of items for a mortgage or refinance. Almost all lenders still call in a local expert because the stakes are so high, even though there are a developing number of automated home valuation systems that might seem more prudent than an appraisal. But is securing a mortgage the only reason to get an appraisal? Are there also cases when the services of a licensed, independent real estate professional could be beneficial? You bet there are.
Dispute your tax assessment in Lee CountyIf you reside in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from MARC ANTHONY GIZZI APPRAISAL & CONSULTING is your best evidence. We're qualified to assist you in disputing your tax assessment.
Eliminating PMI will lower your mortgage paymentWhen the amount being loaned to the homebuyer is more than 80% of the actual value of the home, most lenders ask home buyers to take out an added insurance policy. That policy is Private Mortgage Insurance, or PMI. Since the additional payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) requiring 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, MARC ANTHONY GIZZI APPRAISAL & CONSULTING will give you a statement regarding the value of your home. The price you paid for the home valuation can often be offset in just a few months because you'll no longer be paying the PMI.
An appraisal from MARC ANTHONY GIZZI APPRAISAL & CONSULTING will help you settle a divorce with less stressA divorce is often complicated by the strenuous decision of who maintains the house, and it can be a very traumatic event for both parties. So both parties are fully aware of the true market value of their home, it's a good idea to get an appraisal from MARC ANTHONY GIZZI APPRAISAL & CONSULTING, regardless of the situation.
The parties will have a clearer picture of what price to set, if they wish to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.
Settling an estate with peace of mindThe death of a loved one is a difficult 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 maximum 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 matters, unlike wealthy individuals. And seeing that a home or other property often makes up an uneven share of the total estate value, understanding the correct value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Relocating to or from Lee CountyWe are familiar with the stress involved with an employee relocation. We take great care in setting up a convenient appointment time for the appraisal inspection. During our intensive process, we recommend employees that are moving to provide input on the positive attributes of their property, as well as information about any new sales or listings in their area that they want considered.
Don't sell out short or let your home stay on the market too long.A professional appraisal can help you make a more informed decision when determining your selling price, whether you choose 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 aren't contingent upon the value we report, but rather they are based on our efforts to complete the appraisal.
On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homes are 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.