Let A.M.O. Appraisals, Inc. serve your appraisal needs
To many, an appraisal is simply another fee in the long list of items for a home sale or refinance. Almost all lenders still need a local expert because the stakes are very high, even though there are a growing number of automated home valuation systems that might seem cheaper than an appraisal. Is getting a mortgage the only reason to get an appraisal? Are there more cases when the services of a licensed, independent real estate professional might be helpful? You bet.
Appeal your tax assessment
If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from A.M.O. Appraisals, Inc. is your best evidence when building your case. At A.M.O. Appraisals, Inc., we're capable of assisting you in challenging your tax assessment.
Remove PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is a supplemental insurance plan that most lenders ask homeowners to purchase when the amount being loaned to the homeowner is more than 80% of the actual value of the home. Very often, this extra payment is folded into the monthly mortgage payment and is quickly forgotten. This is unfavorable because PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.
A.M.O. Appraisals, Inc. will provide you with a statement regarding the value of your home, and the cost of the home valuation can usually be regained in a short amount of time because you'll no longer be paying the PMI.
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Divorce settlement with less stress
A divorce can be a very horrible event for both parties, and it is often further complicated by the troublesome decision of who keeps the house. So both parties are fully aware of the true market value of their home, it's a good idea to order an appraisal from A.M.O. Appraisals, Inc., 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.
Fair and accurate estate liquidation
The death of a loved one is a painful 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 utmost degree of discretion.
Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal.
Move to or from Collier County for work
Employee relocation is a stressful event, and we understand. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our intensive inspection, we suggest relocating employees to provide remarks on the positive features of their property, along with information regarding any new sales or listings in their neighborhood that they want considered.
Close on your home promptly — for an accurate price
A professional appraisal can help you make a more informed decision when determining your asking price, whether you decide to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they rest on our efforts to complete the appraisal report.
We examine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. 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 are one the market.