Let MARC ANTHONY GIZZI APPRAISAL & CONSULTING serve your appraisal needs
To a lot of people, an appraisal is simply a line item on the settlement sheet for a mortgage or refinance. And even though there are a budding number of automated home valuation methods that might appear to be more practical than an appraisal, nearly all lenders still need a local expert because the stakes are very high. You might believe that getting a mortgage is the only reason you should get an appraisal, but there are additional instances when the services of a certified, independent real estate professional might be helpful.
Dispute your tax assessment
It's quite possible you're paying too much in property taxes if you live in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your house, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. We're capable of assisting you in appealing your tax assessment.
Get rid of PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask home owners to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the home. Seeing that extra payment is usually folded into the monthly mortgage payment, it is often forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
MARC ANTHONY GIZZI APPRAISAL & CONSULTING will provide you with a statement regarding the value of your home, and the expense of the appraisal can generally be regained in just a few months because you'll no longer be paying the PMI.
Order an appraisal from MARC ANTHONY GIZZI APPRAISAL & CONSULTINGOrder online
Settle a divorce with fewer hang-ups
A divorce can be a particularly horrible ordeal for both parties, and it is often even more complicated by the troublesome decision of who maintains the property. So both parties are entirely aware of the true market value of their home, it's a good idea to order an appraisal from MARC ANTHONY GIZZI APPRAISAL & CONSULTING, regardless of the situation.
If the parties want to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Determine a fair and accurate valuation for 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the highest degree of discretion.
Unlike wealthy 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 an unequal share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten an honest deal.
Move to or from Lee County through an employee relocation program
Employee relocation is a stressful event, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, as well as information about any current sales or listings in their area that they want considered during our intensive inspection.
Sell your home promptly — at an accurate price
Whether 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 more informed decision when determining your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to complete the appraisal report and and aren't related to the sales price.
We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long propertiesstay on the market. So, seeking a professional appraisal is a reliable 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.