Why you should get an appraisal from MARC ANTHONY GIZZI APPRAISAL & CONSULTING
To a lot of people, an appraisal just looks like a line item in the long list of items for a mortgage or refinance. And even though there are a multiplying number of automated home valuation methods that might appear less expensive than an appraisal, most lenders still call in a local expert because the stakes are so high. You might assume that getting a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a licensed, independent real estate professional could be helpful.
Challenge your tax assessment
If you reside 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 equipped to assist you in appealing your tax assessment.
PMI removal to reduce your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance policy that most lenders ask home buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This extra payment is often folded into the monthly mortgage payment and is quickly forgotten. This is damaging because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to dismiss the PMI installments 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 price you paid for the home valuation can generally be recovered in just a few months because you'll no longer be paying the PMI.
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Settle a divorce with fewer hang-ups
A divorce is often complicated by the burdensome decision of who keeps the property, and it can be a very horrible ordeal for both parties. So both parties are fully 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 circumstances.
If the parties need to sell the home, they'll have a clearer picture 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 evaluation.
Determine an accurate and fair valuation for estate liquidation
The 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 Fair Market Value for the residential property involved. We ensure 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 handle these issues, unlike many wealthy individuals. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
Relocate to or from Lee County for work
Employee relocation can be a stressful event, and we understand. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive attributes of their property, as well as information about any new sales or listings in their neighborhood that they want considered during our intensive inspection.
Sell your home promptly — for an accurate price
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report.
On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable 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, because we're experts in knowing how long houses stay on the market.